VWF Bancorp Balance Sheet

Financials in millions USD. Fiscal year is July - June.

Millions USD. Fiscal year is Jul - Jun.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Jun '25 Jun 30, 2025	Jun '24 Jun 30, 2024	Jun '23 Jun 30, 2023	Jun '22 Jun 30, 2022	Jun '21 Jun 30, 2021
Cash & Equivalents	8.19	8.04	31.63	5.52	36.71	11.66
Investment Securities	-	7.61	12.08	11.27	10.56	18.32
Mortgage-Backed Securities	162.33	179.13	127.26	59.31	15.4	15.1
Total Investments	162.33	186.75	139.34	70.59	25.96	33.42
Gross Loans	201.17	190.56	129.53	89.72	82.27	77.09
Allowance for Loan Losses	-1.6	-1.49	-0.77	-0.26	-0.22	-0.22
Other Adjustments to Gross Loans	-	-2.3	-2.36	-8.25	-4.33	-2.48
Net Loans	199.57	186.77	126.39	81.21	77.71	74.38
Property, Plant & Equipment	3.97	4.18	3.67	1.41	1.37	1.42
Accrued Interest Receivable	1.25	1.32	0.96	0.5	0.22	0.19
Other Long-Term Assets	7.61	7.96	7.06	6.36	6.57	5.14
Total Assets	384.85	396.91	311.25	165.97	149.56	127.23
Interest Bearing Deposits	282.06	303.3	182.82	70.44	62.05	68.39
Institutional Deposits	-	-	-	23	21.9	13.3
Non-Interest Bearing Deposits	35.37	36.95	26.49	26.55	26.04	19.24
Total Deposits	317.43	340.25	209.31	119.99	109.99	100.92
Short-Term Borrowings	28	18.5	62	6.2	-	-
Accrued Interest Payable	1.55	0.51	0.78	0.06	0	0
Long-Term Leases	1.28	1.34	1.44	-	-	-
Other Long-Term Liabilities	0.85	1.54	1.17	1.22	16.21	0.91
Total Liabilities	349.12	362.14	274.71	127.47	126.2	101.83
Common Stock	0.02	0.02	0.02	0.02	-	-
Additional Paid-In Capital	18.31	18.22	18.01	17.88	-	-
Retained Earnings	19.86	19.55	22.84	24.92	25.46	25.47
Treasury Stock	-0.73	-0.73	-0.6	-	-	-
Comprehensive Income & Other	-1.73	-2.28	-3.72	-4.31	-2.09	-0.08
Shareholders' Equity	35.73	34.77	36.55	38.5	23.37	25.4
Total Liabilities & Equity	384.85	396.91	311.25	165.97	149.56	127.23
Total Debt	29.28	19.84	63.44	6.2	-	-
Net Cash (Debt)	-21.09	-11.8	-31.81	-0.68	38.18	16.55
Net Cash Growth	-	-	-	-	130.69%	-48.03%
Net Cash Per Share	-11.98	-6.72	-17.98	-0.39	19.86	-
Filing Date Shares Outstanding	1.91	1.91	1.91	1.92	1.92	-
Total Common Shares Outstanding	1.91	1.91	1.91	1.92	1.92	-
Book Value Per Share	18.75	18.25	19.09	20.02	12.15	-
Tangible Book Value	35.73	34.77	36.55	38.5	23.37	25.4
Tangible Book Value Per Share	18.75	18.25	19.09	20.02	12.15	-

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