REFI Balance Sheet

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

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar '26 Mar 31, 2026	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	27.86	14.95	26.4	7.9	5.72	80.25
Securities and Investments	-	-	-	0.84	-	-
Other Earning Assets	-	-	5.34	-	-	-
Gross Loans	409.24	408.96	402.48	353.64	339.27	196.99
Allowance for Loan Losses	-8.68	-5.06	-4.35	-4.97	-3.94	-0.13
Net Loans	400.56	403.89	398.13	348.67	335.33	196.85
Accrued Interest and Accounts Receivable	4.97	5.2	4.82	1.11	1.2	0.2
Other Non-Earning Assets	2.56	0.87	0.46	0.71	1.02	0.87
Total Assets	435.95	424.92	435.15	359.23	343.27	278.17
Short-Term Borrowings	67.05	49.1	55	66	58	-
Accounts Payable	1.24	0.83	1.14	1.14	1.06	0.21
Accrued Expenses	13.39	15.62	18.92	18.19	18.78	11.98
Long-Term Debt	49.39	49.33	49.1	-	-	-
Other Liabilities	1.45	2.21	2.04	2.05	1.4	1.9
Total Liabilities	132.53	117.1	126.19	87.37	79.24	14.09
Common Stock	0.21	0.21	0.21	0.18	0.18	0.17
Additional Paid-in Capital	323.99	323.13	318.89	277.48	269	264.08
Retained Earnings	-20.78	-15.52	-10.14	-5.81	-5.14	-0.18
Shareholders' Equity	303.42	307.81	308.96	271.85	264.03	264.08
Total Liabilities & Equity	435.95	424.92	435.15	359.23	343.27	278.17
Total Debt	49.39	49.33	49.1	0	0	0
Net Cash (Debt)	-49.39	-49.33	-49.1	-0	-0	-0
Net Cash Per Share	-2.30	-2.30	-2.49	-	-	-
Book Value	303.42	307.81	308.96	271.85	264.03	264.08
Book Value Per Share	14.12	14.36	15.67	14.82	14.88	15.13
Tangible Book Value	303.42	307.81	308.96	271.85	264.03	264.08
Tangible Book Value Per Share	14.12	14.36	15.67	14.82	14.88	15.13

Updated May 7, 2026. Data Source: Fiscal.ai. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q