For the year ending 2025-12-31, CBK had -$33,878,987 decrease in cash & cash equivalents over the period. $35,229,381 in free cash flow.
| Cash Flow | 2025-12-31 |
|---|---|
| Net interest income before provision for credit losses | 38,042,792 |
| Net interest income after provision for credit losses | 38,042,792 |
| Salaries and employee benefits | 311,441 |
| Professional fees | 700,395 |
| Other | 349,926 |
| Total noninterest expense | 1,361,762 |
| Income before income tax benefits | 36,681,030 |
| Provision for income tax benefits | -515,168 |
| Net income | 37,196,198 |
| Depreciation | 2,137,698 |
| Amortization of core deposit intangible | 1,568,586 |
| Securities amortization and (accretion), net | -1,644,745 |
| Provision for credit losses | 463,326 |
| Stock compensation | 124,375 |
| Provision for losses on foreclosed assets | 4,500 |
| Deferred income taxes | 227,793 |
| Net realized gains on sales of foreclosed assets | 160,996 |
| Gains on sales of premises and equipment | 37,605 |
| Interest receivable | 263,741 |
| Other assets | -8,622,844 |
| Other liabilities | -8,133,383 |
| Increase in boli | 1,291,936 |
| Interest payable | -1,262,821 |
| Net cash provided by operating activities | 37,094,507 |
| Purchases of available-for-sale securities | 31,760,163 |
| Proceeds from sales, maturities and calls of available-for-sale securities | 37,917,827 |
| Proceeds from sales, maturities and calls of held-to-maturity securities | 134,859,796 |
| Purchases of held-to-maturity securities | 103,193,334 |
| Net change in loans | 67,600,420 |
| Purchase of premises and equipment, net | 1,865,126 |
| Proceeds from sales of premises and equipment | 288,209 |
| Proceeds from the sales of foreclosed assets | 1,286,293 |
| Purchase of restricted stock, at cost | 5,559,800 |
| Redemption of restricted stock, at cost | 2,448,450 |
| Death benefits received | 527,298 |
| Payments relating to foreclosed assets | -11,989 |
| Net cash used in investing activities | -32,662,959 |
| Net (decrease) increase in deposits | -122,862,850 |
| Proceeds from short-term borrowings | 184,954,724 |
| Repayments of short-term borrowings | 100,095,000 |
| Proceeds from long-term borrowings | 8,330,500 |
| Repayments of long-term borrowings | 35,515,781 |
| Repurchase of common stock | 980,800 |
| Issuance of common stock, net | 29,860,751 |
| Payment of dividends | 2,002,079 |
| Net cash provided by (used in) financing activities | -38,310,535 |
| (decrease) increase in cash and cash equivalents | -33,878,987 |
| Cash and cash equivalents, beginning of year | 178,197,916 |
| Cash and cash equivalents, end of year | 144,318,929 |
Commercial Bancgroup, Inc. (CBK)
Commercial Bancgroup, Inc. (CBK)