FCBC 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	512.24	377.45	116.42	170.85	677.44
Investment Securities	132.69	100.82	201.79	220.75	43.08
Mortgage-Backed Securities	-	72.7	82.93	83.43	37.11
Total Investments	132.69	173.52	284.72	304.18	80.2
Gross Loans	2,315	2,423	2,580	2,409	2,171
Allowance for Loan Losses	-30.76	-34.83	-36.19	-30.56	-27.86
Other Adjustments to Gross Loans	-	-6.6	-7.71	-8.81	-5.06
Net Loans	2,284	2,381	2,536	2,370	2,138
Property, Plant & Equipment	47.56	49.22	51.27	47.99	53.03
Goodwill	143.95	143.95	143.95	129.57	129.57
Other Intangible Assets	11.1	13.01	15.15	4.18	5.62
Accrued Interest Receivable	8.72	9.21	10.88	9.28	7.9
Other Real Estate Owned & Foreclosed	-	0.52	0.19	0.7	1.02
Other Long-Term Assets	119.4	113.06	109.86	99.19	102.05
Total Assets	3,260	3,261	3,269	3,136	3,195
Interest Bearing Deposits	1,789	1,785	1,772	1,791	1,859
Institutional Deposits	-	22.39	18.59	15.21	27.14
Non-Interest Bearing Deposits	896.26	883.5	931.92	872.17	842.78
Total Deposits	2,685	2,691	2,722	2,679	2,729
Short-Term Borrowings	1.21	0.91	1.12	1.87	1.54
Current Portion of Leases	-	0.13	-	-	2.02
Accrued Interest Payable	72.55	0.88	0.56	0.16	0.31
Long-Term Leases	-	0.39	0.62	0.67	-
Other Long-Term Liabilities	-	41.28	40.63	32.07	33.48
Total Liabilities	2,759	2,735	2,765	2,714	2,767
Common Stock	18.34	18.32	18.5	16.23	16.88
Additional Paid-In Capital	170.36	169.75	175.84	128.51	147.62
Retained Earnings	319.37	349.49	319.9	292.97	264.82
Comprehensive Income & Other	-7.51	-11.17	-10.95	-15.72	-1.55
Shareholders' Equity	500.55	526.39	503.29	421.99	427.78
Total Liabilities & Equity	3,260	3,261	3,269	3,136	3,195
Total Debt	1.21	1.42	1.74	2.54	3.56
Net Cash (Debt)	511.03	376.03	114.68	168.3	673.88
Net Cash Growth	35.90%	227.90%	-31.86%	-75.02%	47.91%
Net Cash Per Share	27.76	20.40	6.37	10.16	38.72
Filing Date Shares Outstanding	18.33	18.33	18.47	16.23	16.81
Total Common Shares Outstanding	18.33	18.32	18.5	16.23	16.88
Book Value Per Share	27.30	28.73	27.20	26.01	25.34
Tangible Book Value	345.5	369.43	344.2	288.24	292.59
Tangible Book Value Per Share	18.84	20.16	18.60	17.76	17.34

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

SEC Filings: 10-K · 10-Q