SBNC 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	276.29	285.34	105.62	139.84	185.52
Investment Securities	1,730	978.99	843.08	695.38	952.25
Trading Asset Securities	-	0.51	0.6	-	-
Mortgage-Backed Securities	-	708.95	783.61	866.63	858.67
Total Investments	1,730	1,688	1,627	1,562	1,811
Gross Loans	3,428	3,249	3,109	2,850	2,440
Allowance for Loan Losses	-36.1	-34.25	-33.04	-35.83	-29.31
Net Loans	3,392	3,215	3,076	2,815	2,410
Property, Plant & Equipment	-	63.82	64.31	67.7	69.56
Goodwill	-	26.65	26.65	26.65	26.65
Other Intangible Assets	-	-	-	-	0.01
Loans Held for Sale	-	12.43	3.85	2.98	15.13
Accrued Interest Receivable	-	17.8	16.78	14.69	12.03
Long-Term Deferred Tax Assets	-	-	-	27.76	-
Other Real Estate Owned & Foreclosed	-	-	-	-	0.09
Other Long-Term Assets	185.19	65.5	52.63	61.6	58.99
Total Assets	5,584	5,386	4,988	4,727	4,591
Interest Bearing Deposits	3,216	2,781	2,543	2,615	2,452
Institutional Deposits	-	318	187.9	65.5	81.5
Non-Interest Bearing Deposits	1,423	1,345	1,407	1,446	1,386
Total Deposits	4,638	4,444	4,138	4,126	3,919
Short-Term Borrowings	-	162.5	225.5	208.06	63.67
Current Portion of Leases	-	0.83	-	-	-
Long-Term Debt	133.85	79.33	79.22	88.99	88.87
Federal Home Loan Bank Debt, Long-Term	-	30	60	-	-
Long-Term Leases	-	2.22	3.4	3.7	4.23
Long-Term Deferred Tax Liabilities	-	99.37	68.76	-	34.83
Other Long-Term Liabilities	86.43	-36.23	-46.68	15.53	13.25
Total Liabilities	4,859	4,782	4,528	4,442	4,124
Preferred Stock, Non-Redeemable	1.69	1.71	1.73	1.74	1.8
Total Preferred Equity	1.69	1.71	1.73	1.74	1.8
Common Stock	0.38	0.38	0.38	0.39	0.4
Retained Earnings	812.1	752.13	601.69	461.33	440.62
Comprehensive Income & Other	-89.16	-150.57	-143.82	-179.17	24.12
Total Common Equity	723.32	601.95	458.26	282.55	465.14
Shareholders' Equity	725.01	603.65	459.98	284.28	466.94
Total Liabilities & Equity	5,584	5,386	4,988	4,727	4,591
Total Debt	133.85	274.87	368.12	300.76	156.78
Net Cash (Debt)	142.43	10.98	-261.9	-160.92	28.75
Net Cash Growth	1196.84%	-	-	-	-84.71%
Net Cash Per Share	1880.24	143.88	-3371.83	-2049.43	360.12
Filing Date Shares Outstanding	0.08	0.08	0.08	0.08	0.08
Total Common Shares Outstanding	0.08	0.08	0.08	0.08	0.08
Book Value Per Share	9618.59	7926.27	5968.57	3620.40	5861.32
Tangible Book Value	723.32	575.3	431.61	255.9	438.48
Tangible Book Value Per Share	9618.59	7575.37	5621.48	3278.94	5525.41

Updated Dec 31, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.