$156.09M
Net Interest Income
$48.85M
Net Income
62.3%
Efficiency Ratio
2.41%
Net Int. Margin
9.2%
ROE
| Breakdown | TTM (Dec 31, 2025) |
FY 2025 (Dec 31, 2025) |
FY 2024 (Dec 31, 2024) |
FY 2023 (Dec 31, 2023) |
FY 2022 (Dec 31, 2022) |
FY 2021 (Dec 31, 2021) |
|---|---|---|---|---|---|---|
| Interest Income | $362.52M | $362.52M | $327.80M | $304.01M | $211.88M | $160.07M |
| Interest Expense | $161.62M | $161.62M | $178.79M | $147.92M | $35.80M | $22.01M |
| Net Interest Income | $200.91M | $200.91M | $149.01M | $156.09M | $176.08M | $138.06M |
| Provision for Credit Losses | $39.05M | $23.52M | $7.50M | $14.09M | $6.35M | $6.47M |
| Net Interest Income After Provision | $177.39M | $177.39M | $141.51M | $142.00M | $169.73M | $131.59M |
| Non-Interest Income | $82.08M | $82.08M | $79.12M | $73.58M | $66.42M | $72.24M |
| Other Non-Interest Income | $9.27M | $9.27M | $7.53M | $8.49M | $5.36M | $3.38M |
| Total Revenue | - | $283.00M | $228.13M | $229.67M | - | - |
| Revenue Growth % | nan% | 24.1% | -0.7% | nan% | nan% | nan% |
| Non-Interest Expense | $207.17M | $207.17M | $175.68M | $148.29M | $133.80M | $126.17M |
| Compensation & Benefits | $145.49M | $145.49M | $122.33M | $100.52M | $89.48M | $81.86M |
| Occupancy Expense | $26.61M | $26.61M | $22.48M | $19.73M | $18.72M | $17.16M |
| Professional Fees | - | $6.67M | $7.31M | $5.71M | - | - |
| Other Non-Interest Expense | - | $30.25M | $27.36M | $25.09M | - | - |
| Income Before Tax | $52.31M | $52.31M | $44.95M | $67.28M | $102.34M | $77.66M |
| Income Tax Expense | $14.98M | $14.98M | $11.96M | $18.43M | $28.10M | $21.04M |
| Net Income | $37.33M | $37.33M | $32.99M | $48.85M | $74.25M | $56.62M |
| Net Margin % | nan% | 13.2% | 14.5% | 21.3% | nan% | nan% |
| Basic EPS | 2.12 | 2.12 | 1.87 | 2.74 | 4.09 | 3.01 |
| Diluted EPS | 2.10 | 2.10 | 1.85 | 2.71 | 4.00 | 2.93 |
| Breakdown | FY 2025 (Dec 31, 2025) |
FY 2024 (Dec 31, 2024) |
FY 2023 (Dec 31, 2023) |
FY 2022 (Dec 31, 2022) |
FY 2021 (Dec 31, 2021) |
|---|---|---|---|---|---|
| Cash & Due from Banks | $8.71M | $8.49M | $5.89M | $5.94M | $5.93M |
| Interest-Bearing Deposits | $179.11M | $382.88M | $181.78M | $184.14M | $140.88M |
| Investment Securities - AFS | $774.20M | $784.54M | $550.62M | $554.65M | $796.75M |
| Investment Securities - HTM | $95.86M | $101.64M | $107.75M | $102.29M | $108.68M |
| Allowance for Loan Losses | $71.04M | $72.99M | $65.89M | $60.83M | - |
| Loans & Leases (Net) | - | - | $5.36B | $5.22B | $4.75B |
| Goodwill & Intangibles | $36.21M | $36.21M | $36.21M | $36.21M | $36.21M |
| Premises & Equipment | $39.16M | $28.89M | $24.17M | $23.83M | $23.04M |
| Other Assets | $48.64M | $51.00M | $53.25M | $63.59M | $62.45M |
| Total Assets | $7.53B | $7.01B | $6.48B | $6.35B | $6.08B |
| Total Deposits | $6.59B | $6.13B | $5.27B | $5.21B | $5.27B |
| Short-term Borrowings | $73.27M | - | $403.81M | $379.53M | - |
| Total Liabilities | $6.87B | $6.41B | $5.89B | $5.82B | $5.53B |
| Common Stock | $18.10M | $17.95M | $17.83M | $17.51M | $17.22M |
| Treasury Stock | $122.95M | $117.51M | $110.32M | $97.83M | $65.10M |
| AOCI | $-47.56M | $-66.41M | $-64.88M | $-74.21M | $-12.37M |
| Total Stockholders Equity | $658.21M | $605.85M | $583.68M | $532.98M | $546.39M |
| Total Liabilities & Equity | $7.53B | $7.01B | $6.48B | $6.35B | $6.08B |
| Breakdown | TTM (Dec 31, 2025) |
FY 2025 (Dec 31, 2025) |
FY 2024 (Dec 31, 2024) |
FY 2023 (Dec 31, 2023) |
FY 2022 (Dec 31, 2022) |
FY 2021 (Dec 31, 2021) |
|---|---|---|---|---|---|---|
| Net Income | $44.92M | $37.33M | $32.99M | $48.85M | $74.25M | $56.62M |
| Provision for Credit Losses | $39.05M | $23.52M | $7.50M | $14.09M | $6.35M | $6.47M |
| Deferred Taxes | $7.02M | $7.78M | $-14.30M | $-15.28M | $-6.64M | $9.45M |
| Net Change in Loans HFS | $44.53M | $23.79M | $29.31M | $30.00M | $74.86M | $176.76M |
| Operating Cash Flow | $43.33M | $43.13M | $71.10M | $70.08M | $118.90M | $75.46M |
| Purchases of Securities | $1.30B | $733.43M | $899.67M | $619.02M | $420.17M | $653.52M |
| Sales of Securities | - | $53.18M | - | - | $118.97M | - |
| Maturities of Securities | $1.24B | $722.82M | $661.47M | $633.74M | $440.67M | $453.43M |
| Net Change in Loans | $1.32B | $768.13M | $83.40M | $153.11M | $480.86M | $503.75M |
| Capital Expenditures | $27.53M | $14.32M | $8.10M | $3.27M | $3.52M | $3.93M |
| Acquisitions | - | - | - | - | - | $5.50M |
| Investing Cash Flow | $-1.29B | $-735.76M | $-303.43M | $-147.48M | $-356.07M | $-753.80M |
| Net Change in Deposits | $851.59M | $459.96M | $854.91M | $68.95M | $-60.98M | $447.67M |
| Net Change in Short-term Borrowings | - | $73.27M | $-403.81M | $24.28M | $379.53M | - |
| Preferred Stock Issued | - | - | $-4.34M | - | - | - |
| Common Stock Repurchased | - | $5.44M | $7.19M | $12.49M | $32.72M | $28.63M |
| Dividends Paid | $6.17M | $3.52M | $3.53M | $3.56M | $3.65M | $3.77M |
| Financing Cash Flow | $803.54M | $489.08M | $436.02M | $75.00M | $280.44M | $171.82M |
| Net Change in Cash | $-438.76M | $-203.55M | $203.70M | $-2.40M | $43.27M | $-506.52M |
SEC Filing Format - Data shown as it appears in the Q3 2025 (10-Q) filing
Period ended: Sep 30, 2025
Condensed Consolidated Statements of Operations
| Description | Sep 30, 2025 | Sep 30, 2025 | ||
|---|---|---|---|---|
| Current | Prior Year | Current YTD | Prior Year YTD | |
| Interest Expense | $41.97M | $45.52M | $124.69M | $124.72M |
| Income Before Tax | $13.61M | $10.75M | $35.32M | $32.71M |
| Income Tax Expense | $3.98M | $3.16M | $10.15M | $8.97M |
| Net Income | $9.63M | $7.59M | $25.17M | $23.75M |
| Basic EPS | 0.55 | 0.43 | 1.43 | 1.34 |
| Diluted EPS | 0.54 | 0.43 | 1.42 | 1.34 |
| Basic Shares Outstanding | $17.58M | $17.62M | $17.63M | $17.69M |
| Diluted Shares Outstanding | $17.69M | $17.70M | $17.76M | $17.75M |
Condensed Consolidated Balance Sheets
| Description | Sep 30, 2025 | Dec 31, 2024 |
|---|---|---|
| Property Plant & Equipment | $37.76M | $28.89M |
| Goodwill | $36.21M | $36.21M |
| Intangible Assets | $7.90M | $8.71M |
| Total Assets | $7.44B | $7.01B |
| Total Liabilities | $6.80B | $6.41B |
| Common Stock | $18.09M | $17.95M |
| Treasury Stock | $122.95M | $117.51M |
| Total Stockholders Equity | $642.55M | $605.85M |
| Total Liabilities & Equity | $7.44B | $7.01B |
Condensed Consolidated Statements of Cash Flows
| Description | Sep 30, 2025 | Sep 30, 2025 | ||
|---|---|---|---|---|
| Current | Prior Year | Current YTD | Prior Year YTD | |
| Net Income | $9.63M | $7.59M | $25.17M | $23.75M |
| Deferred Income Tax | - | - | $-2.92M | $-11.13M |
| Operating Cash Flow | - | - | $44.26M | $44.65M |
| Capital Expenditure | - | - | $11.80M | $4.07M |
| Sales of Investments | - | - | $517.20M | $496.78M |
| Investing Cash Flow | - | - | $-478.10M | $17.29M |
| Stock Repurchased | - | - | $5.44M | $7.19M |
| Dividends Paid | - | - | $2.64M | $2.66M |
| Financing Cash Flow | - | - | $389.67M | $243.05M |
| Net Change in Cash | - | - | $-44.18M | $304.99M |
All values are in USD (United States Dollars). Data is sourced from SEC EDGAR 10-K filings.
Annual data represents full fiscal year results. FY = Fiscal Year ending.