Summit State Bank 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	65.52	51.4	57.79	77.57	40.7
Investment Securities	66	68.65	85.07	84.41	62.37
Mortgage-Backed Securities	6.85	6.99	7.88	8.26	10.5
Total Investments	72.85	75.64	92.95	92.67	72.87
Gross Loans	848.29	921.34	956.25	931.01	833.32
Allowance for Loan Losses	-14.49	-13.69	-15.22	-14.84	-12.33
Other Adjustments to Gross Loans	-2.01	-2.57	-2.4	-2.47	-
Net Loans	831.79	905.08	938.63	913.71	820.99
Property, Plant & Equipment	6.29	6.39	6.24	6.82	6.86
Goodwill	-	-	4.12	4.12	4.12
Accrued Interest Receivable	3.34	3.48	3.7	3.69	2.79
Long-Term Deferred Tax Assets	5.11	3.62	3.12	2.3	2.61
Other Real Estate Owned & Foreclosed	2.29	4.44	-	-	-
Other Long-Term Assets	11.49	11.15	10.43	9.74	2.83
Total Assets	1,005	1,067	1,123	1,115	958.08
Interest Bearing Deposits	566.93	635.37	681.47	498.09	469.2
Institutional Deposits	141.46	141.43	126.32	212.54	107.58
Non-Interest Bearing Deposits	182.72	185.76	201.91	252.03	234.82
Total Deposits	891.11	962.56	1,010	962.66	811.6
Current Portion of Leases	0.38	-	-	-	-
Accrued Interest Payable	0.3	1.67	0.62	11.14	4.09
Long-Term Debt	5.95	5.94	5.92	5.91	5.89
Federal Home Loan Bank Debt, Long-Term	-	-	-	41	48.5
Long-Term Leases	1.14	1.29	0.99	1.42	1.23
Other Long-Term Liabilities	4.54	3.91	7.6	4.68	2.48
Total Liabilities	903.42	975.37	1,025	1,027	873.8
Common Stock	37.95	37.74	37.47	37.18	37.01
Retained Earnings	69.67	62.87	68.96	61.39	47.64
Comprehensive Income & Other	-6.45	-8.89	-8.75	-10.02	-0.38
Shareholders' Equity	101.17	91.72	97.68	88.55	84.28
Total Liabilities & Equity	1,005	1,067	1,123	1,115	958.08
Total Debt	7.47	7.22	6.91	48.33	55.62
Net Cash (Debt)	58.06	44.18	50.88	29.24	-14.92
Net Cash Growth	31.41%	-13.16%	74.00%	-	-
Net Cash Per Share	8.63	6.58	7.60	4.37	-2.23
Filing Date Shares Outstanding	6.78	6.78	6.78	6.73	6.68
Total Common Shares Outstanding	6.77	6.78	6.78	6.73	6.68
Book Value Per Share	14.94	13.54	14.40	13.15	12.61
Tangible Book Value	101.17	91.72	93.56	84.43	80.16
Tangible Book Value Per Share	14.94	13.54	13.79	12.54	11.99

Updated Jan 27, 2026. Source: S&P Global Market Intelligence. Banks template. Financial Sources.