COFS 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	87.99	96.75	55.43	43.94	31.89
Investment Securities	948.97	546.14	553.23	555.19	674.26
Trading Asset Securities	-	24.34	8.88	9.2	-
Mortgage-Backed Securities	-	335.29	376.83	409.04	433.12
Total Investments	948.97	905.77	938.94	973.43	1,107
Gross Loans	3,022	1,546	1,411	1,190	1,059
Allowance for Loan Losses	-35.55	-16.55	-15.69	-7.62	-7.69
Net Loans	2,986	1,529	1,395	1,182	1,052
Property, Plant & Equipment	48.11	27.1	29.75	28.23	29.88
Goodwill	129.85	59.95	59.95	59.95	59.95
Other Intangible Assets	31.15	1.1	1.85	2.81	3.96
Loans Held for Sale	7.19	7.29	4.71	4.83	9.35
Accrued Interest Receivable	-	7.1	6.9	-	-
Other Real Estate Owned & Foreclosed	-	0.47	0.12	-	0.19
Other Long-Term Assets	152.25	79.25	79.63	87.05	68.47
Total Assets	4,411	2,723	2,577	2,386	2,367
Interest Bearing Deposits	2,693	1,479	1,375	1.74	1,404
Institutional Deposits	-	210.5	199.7	148.9	87.3
Non-Interest Bearing Deposits	907.01	524.95	547.63	1,967	560.93
Total Deposits	3,600	2,214	2,122	2,118	2,052
Short-Term Borrowings	-	135.69	170	55.82	-
Current Portion of Long-Term Debt	245	20	-	-	50
Current Portion of Leases	-	0.31	-	-	-
Long-Term Debt	48.46	35.75	35.51	35.26	35.02
Federal Home Loan Bank Debt, Long-Term	19.79	20	30	-	-
Long-Term Leases	-	0.31	-	-	-
Other Long-Term Liabilities	31.93	36.67	23.51	7.95	7.7
Total Liabilities	3,945	2,463	2,381	2,217	2,145
Common Stock	398.39	206.78	173.51	172.28	171.91
Retained Earnings	102.64	91.41	73.7	68.39	52.33
Comprehensive Income & Other	-35.67	-37.78	-51.58	-71.8	-2.58
Shareholders' Equity	465.35	260.42	195.63	168.87	221.67
Total Liabilities & Equity	4,411	2,723	2,577	2,386	2,367
Total Debt	313.25	212.06	235.51	91.09	85.02
Net Cash (Debt)	-225.26	-90.97	-171.19	-37.94	-53.13
Net Cash Per Share	-16.10	-11.07	-22.61	-5.04	-6.90
Filing Date Shares Outstanding	15	8.97	7.55	7.52	7.52
Total Common Shares Outstanding	15	8.97	7.55	7.52	7.51
Book Value Per Share	31.02	29.05	25.92	22.47	29.52
Tangible Book Value	304.35	199.37	133.83	106.12	157.76
Tangible Book Value Per Share	20.29	22.24	17.73	14.12	21.01

Updated Jan 30, 2026. Source: S&P Global Market Intelligence. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q