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	25.45	28.69	30.75	74.37	26.41
Investment Securities	13.24	34.31	44.16	47.46	45.76
Trading Asset Securities	3.01	7.55	5.23	8.01	-
Mortgage-Backed Securities	9.28	10.6	13.04	15.94	22.8
Total Investments	25.53	52.47	62.43	71.41	68.57
Gross Loans	1,112	1,048	922.24	743.8	628.18
Allowance for Loan Losses	-13.01	-12.58	-12.31	-11.66	-9.56
Net Loans	1,099	1,035	909.93	732.14	618.62
Property, Plant & Equipment	13.14	14.71	10.66	7.66	6.71
Accrued Interest Receivable	4.14	4.03	3.95	3.17	2.25
Restricted Cash	97.18	105.24	43.65	65.95	170.58
Long-Term Deferred Tax Assets	2.08	1.51	2.57	2.65	1.45
Other Real Estate Owned & Foreclosed	0.11	0.46	0.67	0.34	0.03
Other Long-Term Assets	12.07	11.75	11.59	10.21	6.97
Total Assets	1,279	1,255	1,078	968.98	902.51
Interest Bearing Deposits	933.38	936.32	731.24	673.9	580.34
Institutional Deposits	3.73	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	2.01	1.57	38.6	1.49	8.18
Current Portion of Leases	0.45	-	-	-	-
Accrued Interest Payable	0.03	0.55	0.1	0.15	0.25
Long-Term Debt	18.52	18.48	19.67	19.63	19.59
Long-Term Leases	2.52	3.15	0.36	0.64	0.3
Pension & Post-Retirement Benefits	3.07	2.05	1.51	1.25	-
Other Long-Term Liabilities	5.97	6.44	5.53	4.08	5.31
Total Liabilities	1,154	1,146	982.71	884.36	828.3
Common Stock	32.2	31.68	31.08	30.4	29.68
Retained Earnings	92.98	78.62	67.31	58.39	44.84
Comprehensive Income & Other	-0.57	-1.57	-2.74	-4.17	-0.31
Shareholders' Equity	124.61	108.73	95.66	84.62	74.21
Total Liabilities & Equity	1,279	1,255	1,078	968.98	902.51
Total Debt	23.5	23.2	58.64	21.76	28.07
Net Cash (Debt)	4.96	13.04	-22.66	60.62	-1.66
Net Cash Growth	-61.92%	-	-	-	-
Net Cash Per Share	0.63	1.67	-2.92	7.87	-0.22
Filing Date Shares Outstanding	7.8	7.72	7.68	7.65	7.57
Total Common Shares Outstanding	7.8	7.72	7.68	7.65	7.57
Book Value Per Share	15.97	14.08	12.46	11.07	9.80
Tangible Book Value	124.61	108.73	95.66	84.62	74.21
Tangible Book Value Per Share	15.97	14.08	12.46	11.07	9.80

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