United Bancshares, Inc. (UBOH)

Accolade Balance Sheet

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

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Jun 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Cash & Equivalents	91.8	95.28	26.92	30.68	75.2	57.03
Investment Securities	225.57	119.12	123.91	143.49	155.07	100.97
Trading Asset Securities	-	0.19	0.14	0.31	0.88	2.63
Mortgage-Backed Securities	-	116.38	124.21	137.79	152.57	93.61
Total Investments	225.57	235.68	248.27	281.59	308.52	197.21
Gross Loans	789.31	762.17	706.67	683.58	609.56	634.1
Allowance for Loan Losses	-8.45	-7.94	-8.88	-9.4	-10.36	-9.99
Net Loans	780.87	754.23	697.79	674.17	599.2	624.11
Property, Plant & Equipment	-	23.41	25.33	25.51	23.5	21.21
Goodwill	-	28.62	28.62	28.62	28.62	28.62
Other Intangible Assets	-	0.1	0.22	0.36	0.5	0.64
Loans Held for Sale	-	4.82	2.16	3.97	9.15	18.43
Accrued Interest Receivable	-	4.45	4.2	-	-	-
Other Current Assets	-	2.07	-	-	-	-
Long-Term Deferred Tax Assets	-	8.51	7.67	10	-	-
Other Long-Term Assets	99.91	29.87	28.25	28.54	26.74	25.69
Total Assets	1,198	1,189	1,071	1,087	1,077	978.53
Interest Bearing Deposits	1,074	909.73	773.65	719.66	735.04	652.46
Institutional Deposits	-	-	-	18.26	-	-
Non-Interest Bearing Deposits	-	161.38	179.2	215.97	195.37	185.92
Total Deposits	1,074	1,071	952.85	953.88	930.41	838.38
Short-Term Borrowings	-	-	-	25.08	0.01	-
Current Portion of Leases	-	0.29	-	0.26	-	-
Long-Term Debt	16.59	4	5	6	7	7.75
Long-Term Leases	-	0.72	1.06	1.1	1.66	1.87
Trust Preferred Securities	-	13.08	13.04	13.01	12.98	12.94
Pension & Post-Retirement Benefits	-	1.31	1.38	1.58	1.57	1.48
Long-Term Deferred Tax Liabilities	-	-	-	-	1.31	0.82
Other Long-Term Liabilities	6.44	4.09	4.25	3.69	2.52	3.69
Total Liabilities	1,097	1,095	977.57	1,005	957.46	866.93
Common Stock	21.9	3.84	3.82	3.82	3.79	3.76
Additional Paid-In Capital	-	17.62	17.32	17.05	16.31	15.44
Retained Earnings	129.4	124.82	118.3	112.47	103.9	92.72
Treasury Stock	-17.43	-16.76	-14.86	-12.27	-8.9	-7.67
Comprehensive Income & Other	-32.76	-34.79	-30.66	-38.37	3.99	7.36
Shareholders' Equity	101.12	94.74	93.92	82.69	119.1	111.6
Total Liabilities & Equity	1,198	1,189	1,071	1,087	1,077	978.53
Total Debt	16.59	18.08	19.1	45.45	21.65	22.56
Net Cash (Debt)	75.2	77.39	7.95	-14.47	54.43	37.1
Net Cash Growth	-5.61%	873.43%	-	-	46.70%	-
Net Cash Per Share	25.28	25.85	2.58	-4.43	16.31	11.22
Filing Date Shares Outstanding	2.96	2.96	3.04	3.14	3.28	3.28
Total Common Shares Outstanding	2.96	2.96	3.04	3.15	3.27	3.27
Book Value Per Share	34.16	31.96	30.93	26.22	36.39	34.11
Tangible Book Value	101.12	66.02	65.09	53.72	89.98	82.34
Tangible Book Value Per Share	34.16	22.28	21.43	17.03	27.50	25.17

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