NWSB Annual Report 2025 | Page 56

NEW INDEPENDENT BANCSHARES, INC. AND SUBSIDIARY
Consolidating Schedule- Balance Sheets December 31, 2025
Assets
The New
New Independent
New Independent
Washington
Title and
New Independent
Bancshares, Inc.
State Bank
Insurance Co.
Investments, Inc.
Eliminations
Consolidated
Cash and Due from Banks
$
2,656,136
$
47,184,847
$
61,285
$
3,922,067
$
( 2,717,421)
$
51,106,914
Federal Funds Sold
-
1,236,669
-
-
-
1,236,669
Interest-Bearing Time Deposits
-
200,000
-
-
-
200,000
Investment in Subsidiary
71,309,701
157,671,245
-
-
( 228,980,946)
-
Investment Securities
-
13,022,277
-
151,382,302
-
164,404,579
Loans: Loans
-
502,943,967
-
-
-
502,943,967
Less: Allowance for Credit Loss
-
( 6,542,330)
-
-
-
( 6,542,330)
Net Loans
-
496,401,637
-
-
-
496,401,637
FHLB Stock- Restricted
-
1,165,500
-
-
-
1,165,500
Premises and Equipment
-
10,157,930
-
-
-
10,157,930
Operating Lease ROU Assets
-
4,368,403
-
-
-
4,368,403
Bank Owned Life Insurance
-
18,597,242
-
-
-
18,597,242
Accrued Interest Receivable
-
2,489,742
-
904,539
-
3,394,281
Core Deposit Intangible
-
1,820,089
-
-
1,820,089
Goodwill
-
6,025,029
-
-
6,025,029
Deferred Tax Assets
220,399
1,025,034
-
1,868,080
-
3,113,513
Other Assets
463,934
1,125,293
-
-
( 463,934)
1,125,293
Total Assets
$
74,650,170
$
762,490,937
$
61,285
$
158,076,988
$
( 232,162,301)
$
763,117,079
Liabilities and Stockholders ' Equity
Liabilities Deposits
$
-
$
682,569,126
$
-
$
-
$
( 2,717,421)
$
679,851,705
Other Borrowings
9,625,000
-
-
-
-
9,625,000
Subordinated Debt
10,000,000
-
-
-
-
10,000,000
Operating Lease Liability
-
4,448,553
-
-
-
4,448,553
Reserve for Unfunded Commitments
-
571,944
-
-
-
571,944
Accrued Interest & Other Liabilities
463,934
3,591,613
41,285
425,743
( 463,934)
4,058,641
Total Liabilities 20,088,934 691,181,236 41,285 425,743( 3,181,355) 708,555,843
Stockholders ' Equity Common Stock
2,577,410
800,000
20,000
-
( 820,000)
2,577,410
Surplus
11,736,797
31,445,025
-
-
( 31,445,025)
11,736,797
Retained Earnings
$
50,046,024
48,863,671
-
167,450,240
( 216,313,911)
50,046,024
Accum. Other Comprehensive Loss
( 9,798,995)
( 9,798,995)
-
( 9,798,995)
19,597,990
( 9,798,995)
Total Stockholders ' Equity
54,561,236
71,309,701
20,000
157,651,245
( 228,980,946)
54,561,236
Total Liabilities and
Stockholders ' Equity
$
74,650,170
$
762,490,937
$
61,285
$
158,076,988
$
( 232,162,301)
$
763,117,079
See accompanying notes.
56 | 2025 NWSB Annual Report