First National 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	160.91	162.87	87.16	66.91	176.01
Investment Securities	320.41	275.99	301.74	316.66	323.44
Trading Asset Securities	-	2.69	2.49	2.68	0.94
Total Investments	320.41	278.68	304.23	319.34	324.38
Gross Loans	1,450	1,468	970.53	921.36	829.02
Allowance for Loan Losses	-14.72	-16.4	-11.97	-7.45	-5.71
Other Adjustments to Gross Loans	-	-1.3	-1.1	-0.84	-3.9
Net Loans	1,435	1,450	957.46	913.08	819.41
Property, Plant & Equipment	34.56	36.83	22.47	22.41	22.69
Goodwill	3.03	3.03	3.03	3.03	3.03
Other Intangible Assets	13.22	14.99	0.12	0.14	0.15
Loans Held for Sale	-	0.41	-	-	-
Accrued Interest Receivable	6.43	6.02	4.66	4.54	3.9
Other Real Estate Owned & Foreclosed	-	0.05	-	0.18	1.85
Other Long-Term Assets	65.11	55.74	39.21	38.95	37.31
Total Assets	2,039	2,010	1,419	1,369	1,389
Interest Bearing Deposits	1,290	1,226	825.72	795.19	816.26
Institutional Deposits	-	57.5	28.8	18.8	19.3
Non-Interest Bearing Deposits	509.87	520.15	379.21	427.34	413.19
Total Deposits	1,800	1,804	1,234	1,241	1,249
Current Portion of Leases	-	0.67	-	-	-
Accrued Interest Payable	10.36	0.96	0.76	0.16	0.15
Long-Term Debt	8.31	21.18	55	5	9.99
Federal Home Loan Bank Debt, Long-Term	25	-	-	-	-
Long-Term Leases	-	1.36	0.33	0.54	0.28
Trust Preferred Securities	9.28	9.28	9.28	9.28	9.28
Other Long-Term Liabilities	-	6.53	3.93	4.72	3.94
Total Liabilities	1,852	1,844	1,303	1,261	1,272
Common Stock	11.28	11.22	7.83	7.83	7.79
Additional Paid-In Capital	78.22	77.06	32.95	32.72	31.97
Retained Earnings	108.94	96.95	94.2	90.28	76.99
Comprehensive Income & Other	-12.24	-18.69	-18.71	-22.47	0.3
Shareholders' Equity	186.2	166.53	116.27	108.36	117.04
Total Liabilities & Equity	2,039	2,010	1,419	1,369	1,389
Total Debt	42.59	32.48	64.61	14.81	19.56
Net Cash (Debt)	118.32	133.09	25.04	54.78	157.39
Net Cash Growth	-11.10%	431.44%	-54.29%	-65.19%	45.57%
Net Cash Per Share	13.12	19.09	3.99	8.75	28.31
Filing Date Shares Outstanding	9.03	8.99	6.28	6.28	6.25
Total Common Shares Outstanding	9.03	8.97	6.26	6.26	6.23
Book Value Per Share	20.63	18.56	18.56	17.30	18.79
Tangible Book Value	169.95	148.52	113.12	105.19	113.86
Tangible Book Value Per Share	18.83	16.55	18.06	16.79	18.28

Updated Jan 29, 2026. Source: S&P Global Market Intelligence. Banks template. Financial Sources.

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