Seneca Bancorp 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	5.33	6.79	3.92	4.43	3.53
Investment Securities	37.72	40.73	28.87	31.71	36.06
Mortgage-Backed Securities	10.92	5.76	6.57	7.36	7.74
Total Investments	48.64	46.48	35.44	39.07	43.8
Gross Loans	227.95	204.23	198.5	174.61	151.94
Allowance for Loan Losses	-1.92	-1.8	-2.05	-1.89	-1.9
Net Loans	226.03	202.43	196.46	172.72	150.04
Property, Plant & Equipment	13.19	8.8	5.85	5.65	5.8
Goodwill	0.41	0.41	0.41	-	-
Other Intangible Assets	0.43	0.58	0.74	-	-
Accrued Interest Receivable	1.48	1.25	1.16	1.04	0.92
Other Real Estate Owned & Foreclosed	-	-	-	0.13	0.04
Other Long-Term Assets	13.34	10.84	9.75	8.97	8.42
Total Assets	312.11	280.94	256.73	234.47	215.16
Interest Bearing Deposits	164.11	141.63	135.66	133.25	119.08
Institutional Deposits	38.1	38.3	28.5	25.5	14.6
Non-Interest Bearing Deposits	32.22	30.64	29.56	25.5	26.39
Total Deposits	234.43	210.57	193.71	184.25	160.07
Short-Term Borrowings	1	2	2	-	1.3
Current Portion of Long-Term Debt	9.81	-	6	7.5	-
Federal Home Loan Bank Debt, Long-Term	24.75	39.25	27.5	17.5	23.65
Pension & Post-Retirement Benefits	0.22	0.19	0.17	0.15	0.17
Long-Term Deferred Tax Liabilities	0.95	0.75	0.53	-	1.01
Other Long-Term Liabilities	8.2	4.31	4.16	4.04	4.61
Total Liabilities	279.36	257.08	234.08	213.44	190.81
Common Stock	0.02	0.01	0.01	0.01	0.01
Additional Paid-In Capital	15.19	8.12	8.05	7.97	7.92
Retained Earnings	22.55	22.38	21.67	20.91	19.29
Treasury Stock	-	-1.56	-1.49	-1.04	-0.97
Comprehensive Income & Other	-5	-5.09	-5.58	-6.82	-1.89
Shareholders' Equity	32.75	23.86	22.65	21.03	24.36
Total Liabilities & Equity	312.11	280.94	256.73	234.47	215.16
Total Debt	35.57	41.25	35.5	25	24.95
Net Cash (Debt)	-30.24	-34.47	-31.58	-20.57	-21.42
Net Cash Per Share	-17.29	-20.22	-18.22	-11.68	-12.01
Filing Date Shares Outstanding	1.66	1.72	1.73	1.76	1.78
Total Common Shares Outstanding	1.66	1.72	1.73	1.76	1.78
Book Value Per Share	19.68	13.86	13.10	11.93	13.66
Tangible Book Value	31.91	22.86	21.5	21.03	24.36
Tangible Book Value Per Share	19.17	13.28	12.43	11.93	13.66

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