SFBC: the balance sheet

MyFinsight

For the year ending 2025-12-31, SFBC has $1,092,173K in assets. $982,774K in debts. $138,453K in cash and cash equivalents.

Balance Sheets	2025-12-31
Cash and cash equivalents	138,453
Available-for-sale (afs) securities, at fair value (amortized cost of 8,770 and 9,112 at december31, 2025 and 2024, respectively)	7,699
Held-to-maturity (htm) securities, at amortized cost (fair value of 1,578 and 1,712 at december31, 2025 and 2024, respectively)	1,892
Loans held-for-sale	542
Loans held-for-portfolio	905,533
Allowance for credit losses (acl) on loans	8,605
Total loans held-for-portfolio, net	896,928
Accrued interest receivable	3,771
Bank-owned life insurance (boli), net	23,327
Other real estate owned (oreo) and repossessed assets, net	344
Mortgage servicing rights (msrs), at fair value	4,183
Federal home loan bank ('fhlb') stock, at cost	1,060
Premises and equipment, net	4,239
Lease right of use assets, net	3,423
Other assets	6,312
Total assets	1,092,173

Interest-bearing	816,309
Noninterest-bearing demand	132,566
Total deposits	948,875
Borrowings	10,000
Accrued interest payable	674
Lease liabilities	3,671
Other liabilities	10,366
Advance payments from borrowers for taxes and insurance	1,387
Subordinated notes, net	7,801
Total liabilities	982,774
Common stock, 0.01 par value, 40,000,000 shares authorized, 2,567,953 and 2,564,907 issued and outstanding at december31, 2025 and 2024, respectively	25
Additional paid-in capital	28,737
Retained earnings	81,483
Accumulated other comprehensive loss, net of tax	-846
Total stockholders' equity	109,399
Total liabilities and stockholders' equity	1,092,173

Unit: Thousand (K) dollars (except for numbers of shares and EPS).