Seneca Bancorp Balance Sheet

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

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep '25 Sep 30, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020
Cash & Equivalents	14.29	6.79	3.92	4.43	3.53	3.98
Investment Securities	48.56	40.73	28.87	31.71	36.06	33.09
Mortgage-Backed Securities	8.47	5.76	6.57	7.36	7.74	8.17
Total Investments	57.03	46.48	35.44	39.07	43.8	41.26
Gross Loans	216.6	204.23	198.5	174.61	151.94	161.53
Allowance for Loan Losses	-1.79	-1.8	-2.05	-1.89	-1.9	-1.64
Net Loans	214.81	202.43	196.46	172.72	150.04	159.89
Property, Plant & Equipment	11.16	8.8	5.85	5.65	5.8	5.21
Goodwill	0.41	0.41	0.41	-	-	-
Other Intangible Assets	0.47	0.58	0.74	-	-	-
Accrued Interest Receivable	1.57	1.25	1.16	1.04	0.92	0.99
Other Real Estate Owned & Foreclosed	-	-	-	0.13	0.04	0.68
Other Long-Term Assets	13.18	10.84	9.75	8.97	8.42	6.63
Total Assets	316.46	280.94	256.73	234.47	215.16	221.53
Interest Bearing Deposits	163.46	141.63	135.66	133.25	119.08	115.52
Institutional Deposits	38	38.3	28.5	25.5	14.6	15.4
Non-Interest Bearing Deposits	36.67	30.64	29.56	25.5	26.39	25
Total Deposits	238.13	210.57	193.71	184.25	160.07	155.92
Short-Term Borrowings	5.81	2	2	-	1.3	-
Current Portion of Long-Term Debt	2	7.5	6	7.5	-	7.25
Long-Term Debt	-	-	-	-	-	7.2
Federal Home Loan Bank Debt, Long-Term	32.75	31.75	27.5	17.5	23.65	23.65
Pension & Post-Retirement Benefits	0.21	0.19	0.17	0.15	0.17	0.14
Long-Term Deferred Tax Liabilities	-	0.75	0.53	-	1.01	0.82
Other Long-Term Liabilities	13.14	4.31	4.16	4.04	4.61	3.67
Total Liabilities	292.04	257.08	234.08	213.44	190.81	198.65
Common Stock	0.01	0.01	0.01	0.01	0.01	0.01
Additional Paid-In Capital	8.16	8.12	8.05	7.97	7.92	7.88
Retained Earnings	22.51	22.38	21.67	20.91	19.29	17.51
Treasury Stock	-1.56	-1.56	-1.49	-1.04	-0.97	-0.58
Comprehensive Income & Other	-4.72	-5.09	-5.58	-6.82	-1.89	-1.94
Shareholders' Equity	24.41	23.86	22.65	21.03	24.36	22.88
Total Liabilities & Equity	316.46	280.94	256.73	234.47	215.16	221.53
Total Debt	40.57	41.25	35.5	25	24.95	38.1
Net Cash (Debt)	-26.27	-34.47	-31.58	-20.57	-21.42	-34.12
Net Cash Per Share	-15.23	-20.22	-18.22	-11.68	-12.01	-19.02
Filing Date Shares Outstanding	1.73	1.72	1.73	1.76	1.78	1.78
Total Common Shares Outstanding	1.78	1.72	1.73	1.76	1.78	1.78
Book Value Per Share	13.72	13.86	13.10	11.93	13.66	12.82
Tangible Book Value	23.54	22.86	21.5	21.03	24.36	22.88
Tangible Book Value Per Share	13.22	13.28	12.43	11.93	13.66	12.82

Updated Sep 30, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.