US Metro 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	13.71	149.54	129.5	118.22	117.3
Investment Securities	235.87	24.79	25.17	24.23	69.3
Mortgage-Backed Securities	-	24.65	28.52	30.13	-
Total Investments	235.87	49.43	53.68	54.36	69.3
Gross Loans	1,278	1,172	1,021	938.04	778.53
Allowance for Loan Losses	-15.9	-14.11	-12.96	-12.88	-11.73
Other Adjustments to Gross Loans	-	-10.65	-10.1	-9.27	-8.75
Net Loans	1,262	1,147	997.88	915.89	758.05
Property, Plant & Equipment	-	7.77	8.24	8.53	5.53
Loans Held for Sale	-	15.14	10.24	1.98	2.81
Accrued Interest Receivable	-	5.1	4.78	3.46	2.31
Other Current Assets	-	1.88	1.35	1.08	-
Long-Term Deferred Tax Assets	-	9.3	9.22	9.56	6.05
Other Long-Term Assets	39.24	5.64	5.61	4.83	4.57
Total Assets	1,551	1,397	1,226	1,122	968.42
Interest Bearing Deposits	1,127	597.73	539.36	405.08	450.32
Institutional Deposits	-	418.39	350.52	271.76	105.91
Non-Interest Bearing Deposits	225.96	211.06	173.6	299.42	300.53
Total Deposits	1,353	1,227	1,063	976.27	856.76
Short-Term Borrowings	25	25	-	25	-
Current Portion of Leases	-	1.84	-	-	0.95
Accrued Interest Payable	-	10.24	8.43	1.55	0.49
Long-Term Debt	-	25.68	25.63	25.57	25.51
Federal Home Loan Bank Debt, Long-Term	-	-	25	-	-
Long-Term Leases	-	3.03	5.42	6.7	3.09
Other Long-Term Liabilities	16.81	3.1	2.98	2.08	4.97
Total Liabilities	1,395	1,296	1,131	1,037	891.76
Common Stock	111.93	52.07	51.67	51.59	51.18
Additional Paid-In Capital	-	2.8	2.76	2.5	1.99
Retained Earnings	-	53.57	48.41	39.76	24.54
Comprehensive Income & Other	44.32	-7.43	-7.61	-8.97	-1.06
Total Common Equity	156.25	101	95.23	84.88	76.66
Minority Interest	-	0.21	0.09	0.14	-
Shareholders' Equity	156.25	101.21	95.32	85.02	76.66
Total Liabilities & Equity	1,551	1,397	1,226	1,122	968.42
Total Debt	25	55.55	56.04	57.27	29.55
Net Cash (Debt)	-11.29	93.98	73.46	60.95	87.75
Net Cash Growth	-	27.94%	20.52%	-30.54%	-32.24%
Net Cash Per Share	-0.57	5.66	4.43	3.69	5.34
Filing Date Shares Outstanding	16.62	16.52	16.39	16.36	16.23
Total Common Shares Outstanding	16.62	16.52	16.39	16.36	16.23
Book Value Per Share	9.40	6.11	5.81	5.19	4.72
Tangible Book Value	156.25	101	95.23	84.88	76.66
Tangible Book Value Per Share	9.40	6.11	5.81	5.19	4.72

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