Fifth District Bancorp, Inc. (FDSB) Balance Sheet
FDSB balance sheet, 2025
December 31, 2025 · U.S. dollars$534.4M assets = $404.6M liabilities + $129.8M equity
Both columns are drawn to the same scale: what FDSB owns equals what it owes plus shareholders’ equity. Hover a block for its value.
FDSB financial health
Descriptive bands, not a rating. Fiscal 2025.
FDSB balance sheet trends, 2022–2025
| Metric | Trend | Then | Latest | Change |
|---|---|---|---|---|
| Total assets | $473.4M2022 | $534.4M2025 | +4.1%/yr | |
| Total liabilities | $397.4M2022 | $404.6M2025 | +0.6%/yr | |
| Shareholders’ equity | $76.1M2022 | $129.8M2025 | +19.5%/yr | |
| Cash & short-term investments | $97.0M2022 | $5.0M2025 | −62.8%/yr | |
| Working capital | −$290.2M2022 | −$386.2M2025 | −$96.0M | |
| Book value per share | $13.682022 | $25.222025 | +22.6%/yr | |
| Shares outstanding | 5.6M2022 | 5.1M2025 | −2.5%/yr |
Change is the average annual growth (CAGR) or the difference between the first and latest year.
FDSB assets
FDSB liabilities and equity
FDSB debt vs cash
Debt includes short- and long-term borrowings and, where reported, lease obligations.
FDSB balance sheet
| 2025 | 2024 | 2023 | 2022 | |
|---|---|---|---|---|
| Assets | ||||
| Cash & short-term investments | $5.0M | $37.9M | $87.2M | $97.0M |
| Cash & equivalents | $5.0M | $37.9M | $19.3M | $20.3M |
| Short-term investments | $99.1M | $93.0M | $67.9M | $76.7M |
| Receivables | $2.0M | $2.0M | $1.8M | $1.8M |
| Inventory | $0 | $0 | $1.8M | $0 |
| Other current assets | $0 | $0 | $0 | $0 |
| Total current assets | $7.0M | $39.9M | $89.0M | $98.7M |
| Property, plant & equipment (net) | $11.6M | $11.9M | $12.5M | $11.1M |
| Goodwill & intangible assets | $0 | $0 | $0 | $0 |
| Long-term investments | $99.1M | $93.0M | $67.9M | $76.7M |
| Other non-current assets | $416.7M | $382.5M | $311.5M | $286.9M |
| Total assets | $534.4M | $527.3M | $480.8M | $473.4M |
| Liabilities | ||||
| Short-term debt | — | — | $4.0M | — |
| Total current liabilities | $393.2M | $391.5M | $394.0M | $388.9M |
| Long-term debt | $0 | $0 | $0 | $0 |
| Other long-term liabilities | $11.5M | $10.1M | $9.0M | $8.4M |
| Total liabilities | $404.6M | $401.5M | $403.0M | $397.4M |
| Shareholders' equity | ||||
| Common stock & paid-in capital | $54,000 | $56,000 | — | — |
| Retained earnings (deficit) | $86.9M | $83.7M | $84.8M | $84.0M |
| Accumulated other comprehensive income | −$4.4M | −$6.9M | −$7.0M | −$7.9M |
| Total shareholders' equity | $129.8M | $125.8M | $77.8M | $76.1M |
| Key figures | ||||
| Total debt | — | — | $4.0M | — |
| Net cash (debt) | — | — | $83.2M | — |
| Working capital | −$386.2M | −$351.6M | −$305.0M | −$290.2M |
| Tangible book value | $129.8M | $125.8M | $77.8M | $76.1M |
| Book value per share | $25.22 | $24.54 | $13.99 | $13.68 |
| Shares outstanding | 5.1M | 5.1M | 5.6M | 5.6M |
| Current ratio | 0.02 | 0.10 | 0.23 | 0.25 |
| Quick ratio | 0.02 | 0.10 | 0.23 | 0.25 |
| Debt / equity | — | — | 0.05 | — |
| Equity / assets | 24.3% | 23.9% | 16.2% | 16.1% |
| Jun '26 | Mar '26 | Dec '25 | Sep '25 | Jun '25 | Mar '25 | Dec '24 | Sep '24 | Jun '24 | Mar '24 | Dec '23 | |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Assets | |||||||||||
| Cash & short-term investments | $100.6M | $23.3M | $5.0M | $34.4M | $106.1M | $126.3M | $37.9M | $127.9M | $118.3M | $90.4M | $87.2M |
| Cash & equivalents | $6.3M | $23.3M | $5.0M | $34.4M | $5.7M | $30.1M | $37.9M | $34.1M | $46.2M | $36.6M | $19.3M |
| Short-term investments | $94.2M | $98.8M | $99.1M | $100.7M | $100.4M | $96.2M | $93.0M | $93.8M | $72.1M | $53.8M | $67.9M |
| Receivables | $2.3M | $1.8M | $2.0M | $2.3M | $2.2M | $2.2M | $2.0M | $2.1M | $2.1M | $1.9M | $1.8M |
| Inventory | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $2.1M | $0 | $0 |
| Other current assets | $395.1M | $0 | $0 | $0 | $381.3M | $0 | $0 | $0 | $0 | $0 | $0 |
| Total current assets | $497.9M | $25.1M | $7.0M | $36.7M | $489.7M | $128.5M | $39.9M | $130.0M | $120.4M | $92.3M | $89.0M |
| Property, plant & equipment (net) | $11.9M | $11.8M | $11.6M | $11.7M | $11.8M | $11.8M | $11.9M | $12.1M | $12.2M | $12.7M | $12.5M |
| Goodwill & intangible assets | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Long-term investments | $94.2M | $98.8M | $99.1M | $100.7M | $100.4M | $96.2M | $93.0M | $93.8M | $72.1M | $53.8M | $67.9M |
| Other non-current assets | $0 | $400.0M | $416.7M | $390.4M | $0 | $294.5M | $382.5M | $287.9M | $311.3M | $326.9M | $311.5M |
| Total assets | $532.1M | $535.7M | $534.4M | $539.5M | $539.8M | $531.1M | $527.3M | $523.8M | $516.0M | $485.7M | $480.8M |
| Liabilities | |||||||||||
| Short-term debt | — | — | — | — | — | — | — | — | — | — | $4.0M |
| Total current liabilities | $391.6M | $395.2M | $393.2M | $396.2M | $398.2M | $394.4M | $391.5M | $384.1M | $428.6M | $400.4M | $394.0M |
| Long-term debt | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Other long-term liabilities | $403.1M | $11.1M | $11.5M | $12.0M | $10.7M | $9.4M | $10.1M | $11.8M | $9.4M | $8.3M | $9.0M |
| Total liabilities | $403.1M | $406.4M | $404.6M | $408.2M | $408.9M | $403.8M | $401.5M | $395.9M | $438.0M | $408.7M | $403.0M |
| Shareholders' equity | |||||||||||
| Common stock & paid-in capital | $53,000 | $53,000 | $54,000 | $55,000 | $56,000 | $56,000 | $56,000 | $53.1M | — | — | — |
| Retained earnings (deficit) | $87.1M | $87.0M | $86.9M | $87.1M | $86.9M | $83.8M | $83.7M | $83.5M | $84.3M | $83.6M | $84.8M |
| Accumulated other comprehensive income | −$4.7M | −$4.6M | −$4.4M | −$4.6M | −$5.1M | −$5.6M | −$6.9M | −$4.5M | −$6.3M | −$6.7M | −$7.0M |
| Total shareholders' equity | $129.0M | $129.3M | $129.8M | $131.3M | $130.9M | $127.3M | $125.8M | $127.9M | $78.0M | $77.0M | $77.8M |
| Key figures | |||||||||||
| Total debt | — | — | — | — | — | — | — | — | — | — | $4.0M |
| Net cash (debt) | — | — | — | — | — | — | — | — | — | — | $83.2M |
| Working capital | $106.3M | −$370.1M | −$386.2M | −$359.5M | $91.4M | −$265.8M | −$351.6M | −$254.1M | −$308.2M | −$308.1M | −$305.0M |
| Tangible book value | $129.0M | $129.3M | $129.8M | $131.3M | $130.9M | $127.3M | $125.8M | $127.9M | $78.0M | $77.0M | $77.8M |
| Book value per share | $25.07 | $25.13 | $25.22 | $25.52 | $25.44 | $24.76 | $24.54 | $24.95 | $14.04 | $13.84 | $13.99 |
| Shares outstanding | 5.1M | 5.1M | 5.1M | 5.1M | 5.1M | 5.1M | 5.1M | 5.1M | 5.6M | 5.6M | 5.6M |
| Current ratio | 1.27 | 0.06 | 0.02 | 0.09 | 1.23 | 0.33 | 0.10 | 0.34 | 0.28 | 0.23 | 0.23 |
| Quick ratio | 0.26 | 0.06 | 0.02 | 0.09 | 0.27 | 0.33 | 0.10 | 0.34 | 0.28 | 0.23 | 0.23 |
| Debt / equity | — | — | — | — | — | — | — | — | — | — | 0.05 |
| Equity / assets | 24.2% | 24.1% | 24.3% | 24.3% | 24.2% | 24.0% | 23.9% | 24.4% | 15.1% | 15.8% | 16.2% |
Quarterly columns are labeled by the month the quarter ended. Figures in U.S. dollars as reported (latest annual report filed March 24, 2026); data from EODHD.
FDSB financial position
At the end of fiscal 2025 (December 31, 2025), Fifth District Bancorp had total assets of $534.4 million (up 1.3% from a year earlier), total liabilities of $404.6 million and shareholders' equity of $129.8 million. Its current ratio was 0.02. In the latest quarter (ended June 30, 2026) total assets were $532.1 million and equity $129.0 million.
Related: FDSB income statement, FDSB cash flow statement, FDSB key metrics. See the FDSB stock overview for the latest quote and news.
FDSB balance sheet FAQ
What are Fifth District Bancorp's total assets?
Fifth District Bancorp reported total assets of $534.4 million at the end of fiscal 2025 (December 31, 2025), compared with $527.3 million a year earlier.
How much cash does Fifth District Bancorp have?
Fifth District Bancorp held $5.0 million in cash and short-term investments at the end of fiscal 2025.
What is Fifth District Bancorp's book value?
Fifth District Bancorp's shareholders' equity (book value) was $129.8 million at the end of fiscal 2025, or $25.22 per share.
What is Fifth District Bancorp's current ratio?
Fifth District Bancorp had current assets of $7.0 million and current liabilities of $393.2 million, a current ratio of 0.02 (current liabilities exceed current assets).