United Bancshares 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	51.88	95.28	26.92	30.68	75.2
Investment Securities	227.9	119.12	123.91	143.49	155.07
Trading Asset Securities	-	0.19	0.14	0.31	0.88
Mortgage-Backed Securities	-	116.38	124.21	137.79	152.57
Total Investments	227.9	235.68	248.27	281.59	308.52
Gross Loans	825.13	762.17	706.67	683.58	609.56
Allowance for Loan Losses	-8.63	-7.94	-8.88	-9.4	-10.36
Net Loans	816.5	754.23	697.79	674.17	599.2
Property, Plant & Equipment	-	23.41	25.33	25.51	23.5
Goodwill	-	28.62	28.62	28.62	28.62
Other Intangible Assets	-	0.1	0.22	0.36	0.5
Loans Held for Sale	-	4.82	2.16	3.97	9.15
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	97.12	29.87	28.25	28.54	26.74
Total Assets	1,193	1,189	1,071	1,087	1,077
Interest Bearing Deposits	1,056	909.73	773.65	719.66	735.04
Institutional Deposits	-	-	-	18.26	-
Non-Interest Bearing Deposits	-	161.38	179.2	215.97	195.37
Total Deposits	1,056	1,071	952.85	953.88	930.41
Short-Term Borrowings	-	-	-	25.08	0.01
Current Portion of Leases	-	0.29	-	0.26	-
Long-Term Debt	16.57	4	5	6	7
Long-Term Leases	-	0.72	1.06	1.1	1.66
Trust Preferred Securities	-	13.08	13.04	13.01	12.98
Pension & Post-Retirement Benefits	-	1.31	1.38	1.58	1.57
Long-Term Deferred Tax Liabilities	-	-	-	-	1.31
Other Long-Term Liabilities	7.43	4.09	4.25	3.69	2.52
Total Liabilities	1,080	1,095	977.57	1,005	957.46
Common Stock	22.33	3.84	3.82	3.82	3.79
Additional Paid-In Capital	-	17.62	17.32	17.05	16.31
Retained Earnings	134.12	124.82	118.3	112.47	103.9
Treasury Stock	-18.01	-16.76	-14.86	-12.27	-8.9
Comprehensive Income & Other	-24.78	-34.79	-30.66	-38.37	3.99
Shareholders' Equity	113.66	94.74	93.92	82.69	119.1
Total Liabilities & Equity	1,193	1,189	1,071	1,087	1,077
Total Debt	16.57	18.08	19.1	45.45	21.65
Net Cash (Debt)	35.32	77.39	7.95	-14.47	54.43
Net Cash Growth	-54.36%	873.43%	-	-	46.70%
Net Cash Per Share	11.90	25.85	2.58	-4.43	16.31
Filing Date Shares Outstanding	2.95	2.96	3.04	3.14	3.28
Total Common Shares Outstanding	2.95	2.96	3.04	3.15	3.27
Book Value Per Share	38.47	31.96	30.93	26.22	36.39
Tangible Book Value	113.66	66.02	65.09	53.72	89.98
Tangible Book Value Per Share	38.47	22.28	21.43	17.03	27.50

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