W.T.B. Financial Corporation (WTBFB)

W.T.B. Financial Balance Sheet

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

Assets

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Cash & Equivalents	109.45	131.18	129.59	138.52	119.93	62.28
Investment Securities	2,683	1,711	2,044	3,036	2,367	3,531
Trading Asset Securities	-	0.13	0.86	0.31	0.78	5.85
Mortgage-Backed Securities	121	1,286	1,471	1,570	1,702	1,793
Total Investments	2,804	2,997	3,516	4,606	4,069	5,330
Gross Loans	7,482	7,341	6,883	6,505	6,042	5,532
Allowance for Loan Losses	-152.49	-154.79	-153.56	-146.16	-120.84	-140.6
Net Loans	7,329	7,186	6,729	6,359	5,921	5,391
Property, Plant & Equipment	115.25	134.48	125.72	98.53	99.99	104.2
Loans Held for Sale	-	17.58	10.14	4.73	-	4.28
Accrued Interest Receivable	35.79	32.93	32.51	35.88	32.25	23.68
Other Current Assets	-	28.14	21.67	36.61	33.46	47.36
Long-Term Deferred Tax Assets	-	49.94	50.11	47.07	41.25	30.8
Other Real Estate Owned & Foreclosed	0.54	0.54	0.08	-	-	-
Other Long-Term Assets	277.29	97.72	92.85	90.1	95.33	85.4
Total Assets	10,685	10,693	10,737	11,446	10,423	11,090

Liabilities

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Accrued Expenses	-	0.74	0.93	0.84	0.62	0.91
Interest Bearing Deposits	5,794	5,342	5,224	4,570	4,936	5,258
Institutional Deposits	-	361.55	363.23	231.88	35.14	39.24
Non-Interest Bearing Deposits	3,219	3,220	3,218	3,317	4,246	4,593
Total Deposits	9,013	8,923	8,805	8,118	9,217	9,890
Short-Term Borrowings	249.17	328.15	328.08	1,752	209.81	265.42
Current Portion of Long-Term Debt	160	250	-	-	-	-
Current Portion of Leases	-	3.9	-	-	-	-
Accrued Interest Payable	6.25	6.49	9.32	53.92	0.37	0.66
Other Current Liabilities	-	13.26	13.33	14.08	7	-
Federal Home Loan Bank Debt, Long-Term	-	-	500	500	-	-
Long-Term Leases	-	34.54	39.67	13.6	13.46	17.19
Pension & Post-Retirement Benefits	-	4.4	6.2	5.8	5.81	6.24
Other Long-Term Liabilities	196.72	127.42	100.59	89.33	101.8	75.92
Total Liabilities	9,625	9,692	9,803	10,548	9,556	10,257

Shareholders' Equity

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Common Stock	0.44	0.25	7.31	13.22	11.1	19.26
Retained Earnings	1,080	1,000	929.21	891.9	871.56	783.62
Treasury Stock	-0.46	-	-	-	-	-
Comprehensive Income & Other	-19.15	0.27	-2.34	-7.68	-15.53	30.07
Shareholders' Equity	1,061	1,001	934.18	897.44	867.13	832.95
Total Liabilities & Equity	10,685	10,693	10,737	11,446	10,423	11,090

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Total Debt	409.17	616.59	867.75	2,266	223.27	282.61
Net Cash (Debt)	372.46	94.87	-291.93	-1,121	171.38	1,773
Net Cash Growth	-	-	-	-	-90.33%	33.19%
Net Cash Per Share	153.97	38.52	-116.78	-447.19	68.04	698.30
Filing Date Shares Outstanding	2.4	2.43	2.48	2.51	2.5	2.52
Total Common Shares Outstanding	2.4	2.43	2.48	2.51	2.5	2.52
Book Value Per Share	442.10	411.58	375.98	357.87	346.66	329.95
Tangible Book Value	1,061	1,001	934.18	897.44	867.13	832.95
Tangible Book Value Per Share	442.10	411.58	375.98	357.87	346.66	329.95

Data Source: S&P Global Market Intelligence Last updated: Sep 30, 2026

Financial data is provided by S&P Global Market Intelligence and updates within hours after each earnings release, which is every three months for this company.

Update frequency:

Quarterly

Last checked:

Nov 4, 2026

Data Sources Report a data error