UBAB 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	162.8	182.97	236.41	280.68	120.18
Investment Securities	325.19	127.76	158.54	215.5	185.92
Mortgage-Backed Securities	-	142.22	114.04	123.9	107.13
Total Investments	325.19	269.98	272.57	339.4	293.05
Gross Loans	895.86	874.88	815.41	726.02	660.66
Allowance for Loan Losses	-11.77	-12.38	-11.63	-12.1	-10.2
Net Loans	884.1	862.5	803.78	713.91	650.45
Property, Plant & Equipment	16.35	16.59	13.84	16.95	16.62
Goodwill	6.52	6.52	6.52	6.52	6.47
Other Intangible Assets	0.37	0.44	0.51	0.58	0.64
Loans Held for Sale	-	-	-	-	0.06
Accrued Interest Receivable	9.72	9.14	8.27	6.26	5.25
Other Real Estate Owned & Foreclosed	1.27	2.84	1.1	-	0.15
Other Long-Term Assets	45.48	48.52	45.81	42.14	27.18
Total Assets	1,452	1,401	1,390	1,407	1,121
Accrued Expenses	12.7	6.87	7.37	4.98	3.41
Interest Bearing Deposits	669.4	542.14	520.79	557.42	521.14
Institutional Deposits	-	74.13	55.3	29.02	37.36
Non-Interest Bearing Deposits	467.53	473.85	513.76	582.6	424.24
Total Deposits	1,137	1,090	1,090	1,169	982.73
Accrued Interest Payable	1.49	1.12	0.79	0.18	0.16
Long-Term Debt	30.28	29.53	35.69	13.17	6.76
Federal Home Loan Bank Debt, Long-Term	-	4.44	5.1	5.77	6.44
Trust Preferred Securities	-	-	-	-	10.31
Pension & Post-Retirement Benefits	-	1.99	1.64	1.49	1.42
Other Long-Term Liabilities	0.68	0.91	0.91	-	-
Total Liabilities	1,182	1,135	1,141	1,195	1,011
Preferred Stock, Non-Redeemable	123.75	123.75	123.75	123.75	-
Total Preferred Equity	123.75	123.75	123.75	123.75	-
Common Stock	0.03	0.03	0.04	0.04	0.04
Additional Paid-In Capital	16.88	22.55	30.11	34.84	34.14
Retained Earnings	147.11	145.3	122.16	96.56	79.33
Treasury Stock	-	-	-	-5.4	-0
Comprehensive Income & Other	-18.03	-25.92	-27.42	-37.18	-3.79
Total Common Equity	145.98	141.96	124.89	88.86	109.71
Shareholders' Equity	269.73	265.71	248.64	212.61	109.71
Total Liabilities & Equity	1,452	1,401	1,390	1,407	1,121
Total Debt	30.28	33.97	40.79	18.94	23.51
Net Cash (Debt)	132.52	149	195.61	261.74	96.67
Net Cash Growth	-11.06%	-23.83%	-25.26%	170.75%	-60.16%
Net Cash Per Share	40.28	42.29	54.63	71.62	25.39
Filing Date Shares Outstanding	3.06	3.37	3.54	3.6	3.7
Total Common Shares Outstanding	3.06	3.37	3.54	3.6	3.7
Book Value Per Share	47.73	42.11	35.32	24.66	29.62
Tangible Book Value	139.09	135	117.86	81.76	102.59
Tangible Book Value Per Share	45.48	40.05	33.33	22.69	27.70

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