Summit Bank Group Balance Sheet

Financials in millions USD. Fiscal year is January - December.

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Cash & Equivalents	119.7	28.69	30.75	74.37	26.41
Investment Securities	27.31	34.31	44.16	47.46	45.76
Trading Asset Securities	-	7.55	5.23	8.01	-
Mortgage-Backed Securities	-	10.6	13.04	15.94	22.8
Total Investments	27.31	52.47	62.43	71.41	68.57
Gross Loans	1,114	1,048	922.24	743.8	628.18
Allowance for Loan Losses	-12.8	-12.58	-12.31	-11.66	-9.56
Net Loans	1,102	1,035	909.93	732.14	618.62
Property, Plant & Equipment	29.84	14.71	10.66	7.66	6.71
Accrued Interest Receivable	-	4.03	3.95	3.17	2.25
Restricted Cash	-	105.24	43.65	65.95	170.58
Long-Term Deferred Tax Assets	-	1.51	2.57	2.65	1.45
Other Real Estate Owned & Foreclosed	0.12	0.46	0.67	0.34	0.03
Other Long-Term Assets	0	11.75	11.59	10.21	6.97
Total Assets	1,279	1,255	1,078	968.98	902.51
Interest Bearing Deposits	937.11	936.32	731.24	673.9	580.34
Institutional Deposits	-	3.61	9.99	1.77	1.66
Non-Interest Bearing Deposits	184.73	173.96	175.72	181.45	212.67
Total Deposits	1,122	1,114	916.94	857.12	794.67
Short-Term Borrowings	-	1.57	38.6	1.49	8.18
Current Portion of Leases	-	0.32	-	-	-
Accrued Interest Payable	-	0.55	0.1	0.15	0.25
Long-Term Debt	18.52	18.48	19.67	19.63	19.59
Long-Term Leases	-	2.83	0.36	0.64	0.3
Pension & Post-Retirement Benefits	-	2.05	1.51	1.25	-
Other Long-Term Liabilities	13.54	6.44	5.53	4.08	5.31
Total Liabilities	1,154	1,146	982.71	884.36	828.3
Common Stock	124.65	31.68	31.08	30.4	29.68
Retained Earnings	-	78.62	67.31	58.39	44.84
Comprehensive Income & Other	-	-1.57	-2.74	-4.17	-0.31
Shareholders' Equity	124.65	108.73	95.66	84.62	74.21
Total Liabilities & Equity	1,279	1,255	1,078	968.98	902.51
Total Debt	18.52	23.2	58.64	21.76	28.07
Net Cash (Debt)	101.18	13.04	-22.66	60.62	-1.66
Net Cash Growth	676.12%	-	-	-	-
Net Cash Per Share	12.89	1.67	-2.92	7.87	-0.22
Filing Date Shares Outstanding	7.74	7.72	7.68	7.65	7.57
Total Common Shares Outstanding	7.74	7.72	7.68	7.65	7.57
Book Value Per Share	16.11	14.08	12.46	11.07	9.80
Tangible Book Value	124.65	108.73	95.66	84.62	74.21
Tangible Book Value Per Share	16.11	14.08	12.46	11.07	9.80

Source: S&P Global Market Intelligence. Banks template. Financial Sources.