2025 Digital Annual Report

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS NOTE  3.  RESTRICTIONS  ON  CASH  AND  DUE  FROM  BANKS  The company has $75,000,000 held with the FHLB that is used to collateralize borrowings and letters of credit with the FHLB. NOTE  4.  SECURITIES   T31h,e2a0m25oratnizded20c2o4staarnedaessftoilmloawtesd: fair values of debt securities with unrealized gains and losses as of December Amortized  Cost  Gross  Unrealized  Gains Gross  Unrealized  Losses Estimated  Fair  Value  2025:   S eUc. uS r. iGt ioevsear vnami l ea nb tl ea-gf oe rn-csiaelse :  and corporations $  62,013,730 $ Ǧ  $  2,937,175 $  59,076,555 State and political subdivisions Ǧ  Ǧ Ǧ Ǧ Mortgage-backed securities 3,718,256  641 59,963  3,658,934  Other debt securities  8,113 58,182   Ǧ 66,295 65,740,099 58,823  2,997,138 62,801,784 S eSct ua trei t ai ensdhpeol dl i-ttioc -aml saut bu dr iitvyi s i o n s Ǧ  Ǧ Ǧ Ǧ $  65,740,099  $  58,823  $  2,997,138  $  62,801,784 

Gross  Unrealized  Gains

Gross  Unrealized  Losses

Estimated  Fair  Value 

Amortized  Cost 

2024:  S eUc. uS r. iGt ioevsear vnami l ea nb tl ea-gf oe rn-csiaelse :



 and corporations $  61,980,097 $ Ǧ  $  5,699,902  $  56,280,195  State and political subdivisions  250,338  Ǧ 258 250,080  Mortgage-backed securities 4,599,003  1,013 165,221 4,434,795 Other debt securities  8,113 66,257   Ǧ 74,370 66,837,551 67,270  5,865,381 61,039,440 S eSct ua trei t ai ensdhpeol dl i-ttioc -aml saut bu dr iitvyi s i o n s Ǧ  Ǧ Ǧ Ǧ $  66,837,551  $  67,270  $  5,865,381 $  61,039,440  The amortized cost and fair value of debt securities by contractual maturity as of December 31, 2025 are shown buenldoewrl.yMinagttuhreitsieescumriatyiedsimffearyfbroemcaclloendtorarcrteupaal imd awtuitrhiotiuetspinenmalotrietgs.age-backed securities because the mortgages   Amortized  Cost Fair  Value Due in one year or less $  28,987,731  $  28,474,599  Due after one year through five years 33,299,727   30,871,628 Due after five years through ten years  1,021,622   980,071 Due after ten years  2,431,019  2,475,486 $  65,740,099  $  62,801,784 

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