University Bancorp Balance Sheet

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

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar '26 Mar 31, 2026	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	19.2	27.48	29.53	25.12	85.67	96.92
Investment Securities	153.56	46.23	28.51	23.39	14.26	3.86
Trading Asset Securities	-	1.33	1.74	0.99	1.57	2.98
Mortgage-Backed Securities	-	0.03	2.5	0.05	0.06	-
Total Investments	153.56	47.59	32.74	24.43	15.89	6.85
Gross Loans	-	887.72	782.71	734.1	557.51	194.24
Allowance for Loan Losses	-	-4.41	-5.08	-4.43	-3.56	-3.57
Other Adjustments to Gross Loans	-	-	-	-	-0.06	-0.21
Net Loans	-	883.31	777.63	729.67	553.89	190.46
Property, Plant & Equipment	-	12.31	13.05	12.59	12.05	14.2
Goodwill	-	0.32	0.32	0.42	0.42	0.42
Other Intangible Assets	-	0.26	0.32	0.38	0.44	0.51
Loans Held for Sale	-	99.47	54.66	63.88	64.78	137.89
Accrued Interest Receivable	-	4.58	3.69	3.18	2.15	0.6
Other Receivables	0.19	11.4	7.22	5.86	8.24	5.07
Restricted Cash	-	-	-	-	-	0.62
Other Current Assets	3.51	5.82	7.69	7.22	5.5	3.4
Long-Term Deferred Tax Assets	1.12	-	-	-	-	-
Other Real Estate Owned & Foreclosed	-	0.51	-	0.59	-	-
Other Long-Term Assets	-	44.41	47.12	52.25	40.91	42.34
Total Assets	177.58	1,144	980.01	931.63	794.24	500.38
Accounts Payable	0.03	4.7	1.54	1.21	1.22	2.62
Accrued Expenses	-	7.38	7.42	5.17	4.03	7.01
Interest Bearing Deposits	-	420.62	321.56	286.94	258.27	17.08
Institutional Deposits	-	30.36	22.58	12.59	1.07	0.63
Non-Interest Bearing Deposits	-	414.5	371.32	375.46	346.44	344.37
Total Deposits	-	865.48	715.45	674.99	605.78	362.07
Short-Term Borrowings	-	4.61	-	5.69	14.57	17.2
Current Portion of Long-Term Debt	-	-	-	-	-	0.01
Current Portion of Leases	-	0.76	-	-	-	-
Accrued Interest Payable	0.62	2.29	2.1	1.85	0.74	0
Other Current Liabilities	0.92	0.21	0.52	-	-	-
Long-Term Debt	44.05	104.18	132.06	132.4	64.13	1.52
Long-Term Leases	-	2.46	3.77	4.17	3.06	4.12
Long-Term Deferred Tax Liabilities	-	7.75	8.73	8.93	6.91	9.92
Other Long-Term Liabilities	-0.78	6.19	2.86	2.65	5.61	9.98
Total Liabilities	44.84	1,006	874.45	837.05	706.04	414.46
Preferred Stock, Convertible	0	0	-	-	0	0
Preferred Stock, Other	-	-	-	-	0.27	0.1
Total Preferred Equity	0	0	-	-	0.27	0.1
Common Stock	0.05	0.05	0.05	0.05	0.05	0.05
Additional Paid-In Capital	32.72	32.72	7.98	7.98	10.15	10.15
Retained Earnings	99.96	92.45	85.2	76.28	70.99	69.67
Treasury Stock	-0.34	-0.34	-0.34	-0.34	-2.51	-2.87
Comprehensive Income & Other	0.35	0.41	0.7	-0	-0	0
Total Common Equity	132.74	125.29	93.59	83.97	78.68	77
Minority Interest	-	12.91	11.96	10.61	9.24	8.81
Shareholders' Equity	132.74	138.2	105.55	94.58	88.19	85.92
Total Liabilities & Equity	177.58	1,144	980.01	931.63	794.24	500.38
Total Debt	44.05	112	135.84	142.26	81.76	22.86
Net Cash (Debt)	-24.85	-83.19	-104.57	-116.15	5.49	77.04
Net Cash Growth	-	-	-	-	-92.88%	-58.34%
Net Cash Per Share	-4.81	-16.09	-20.23	-23.53	1.11	15.77
Filing Date Shares Outstanding	5.17	5.17	5.17	5.17	4.93	4.89
Total Common Shares Outstanding	5.17	5.17	5.17	5.17	4.93	4.89
Book Value Per Share	25.68	24.24	18.10	16.24	15.96	15.75
Tangible Book Value	132.74	124.71	92.95	83.16	77.82	76.07
Tangible Book Value Per Share	25.68	24.12	17.98	16.09	15.79	15.56

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