The Victory Bancorp Balance Sheet

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

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep '25 Sep 30, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020
Cash & Equivalents	39.83	9.68	13.54	10.05	103.99	115.28
Investment Securities	24.13	25.8	27.19	29.47	12.99	5.37
Mortgage-Backed Securities	16.72	18.84	20.74	22.3	11.1	7.94
Total Investments	40.85	44.64	47.93	51.77	24.09	13.31
Gross Loans	396.6	395.53	368.77	331.39	306.1	288.19
Allowance for Loan Losses	-3.47	-3.61	-3.44	-3.28	-3.46	-3.14
Other Adjustments to Gross Loans	-1.01	-0.97	-0.95	-0.75	-1.48	-1.44
Net Loans	392.11	390.95	364.38	327.37	301.17	283.62
Property, Plant & Equipment	3.44	3.25	3.02	3.2	3.23	3.27
Loans Held for Sale	-	-	-	-	0.34	3.75
Accrued Interest Receivable	1.62	1.58	1.61	1.36	1.04	1.09
Other Receivables	-	-	-	20.11	-	-
Restricted Cash	1	1	1	1	1	1
Long-Term Deferred Tax Assets	0.6	1.02	1	0.97	0.44	0.33
Other Long-Term Assets	7.79	7.35	7.15	6.99	7.43	6.94
Total Assets	488.22	461.02	442.16	423.85	443.78	429.43
Interest Bearing Deposits	342.47	310.31	289.67	289.96	306.28	261.03
Institutional Deposits	31.28	30.41	19.34	16.19	16.87	14.63
Non-Interest Bearing Deposits	63	56.36	55.02	73.79	71.2	61.36
Total Deposits	436.74	397.08	364.03	379.94	394.35	337.01
Short-Term Borrowings	-	11.69	32.45	-	-	-
Current Portion of Long-Term Debt	-	3.75	-	-	3.75	-
Accrued Interest Payable	0.31	0.35	0.23	0.02	0.03	0.22
Long-Term Debt	17.36	17.31	12.83	12.8	12.78	58.69
Federal Home Loan Bank Debt, Long-Term	-	-	3.75	3.75	6.75	10.5
Pension & Post-Retirement Benefits	0.51	0.45	0.37	0.3	0.23	0.17
Other Long-Term Liabilities	1.65	1.05	0.55	0.84	0.7	0.81
Total Liabilities	456.57	431.69	414.22	397.66	418.59	407.4
Common Stock	2	1.98	1.97	1.97	1.95	1.95
Retained Earnings	15.73	14.52	13.37	11.75	8.73	5.37
Comprehensive Income & Other	13.92	12.84	12.6	12.48	14.51	14.71
Total Common Equity	31.65	29.34	27.95	26.2	25.19	22.02
Shareholders' Equity	31.65	29.34	27.95	26.2	25.19	22.02
Total Liabilities & Equity	488.22	461.02	442.16	423.85	443.78	429.43
Total Debt	17.36	32.75	49.03	16.55	23.28	69.19
Net Cash (Debt)	22.47	-23.07	-35.49	-6.5	80.72	46.09
Net Cash Growth	-	-	-	-	75.14%	549.74%
Net Cash Per Share	10.84	-11.41	-17.50	-3.17	39.70	23.05
Filing Date Shares Outstanding	2	1.98	1.97	1.97	1.95	1.95
Total Common Shares Outstanding	2	1.98	1.97	1.97	1.95	1.95
Book Value Per Share	15.85	14.84	14.18	13.29	12.92	11.29
Tangible Book Value	31.65	29.34	27.95	26.2	25.19	22.02
Tangible Book Value Per Share	15.85	14.84	14.18	13.29	12.92	11.29

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