$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) |
FY 2020 (Dec 31, 2020) |
FY 2019 (Dec 31, 2019) |
FY 2018 (Dec 31, 2018) |
FY 2017 (Dec 31, 2017) |
FY 2016 (Dec 31, 2016) |
FY 2015 (Dec 31, 2015) |
FY 2014 (Dec 31, 2014) |
FY 2013 (Dec 31, 2013) |
FY 2012 (Dec 31, 2012) |
FY 2011 (Dec 31, 2011) |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Interest Income | $362.52M | $362.52M | $327.80M | $304.01M | $211.88M | $160.07M | $165.75M | $180.67M | $159.69M | $138.73M | $117.05M | $99.14M | $75.58M | $57.05M | $56.09M | $46.63M |
| Interest Expense | $161.62M | $161.62M | $178.79M | $147.92M | $35.80M | $22.01M | $38.15M | $60.40M | $44.52M | $27.59M | $20.61M | $14.69M | $7.68M | $4.28M | $4.69M | $7.14M |
| Net Interest Income | $200.91M | $200.91M | $149.01M | $156.09M | $176.08M | $138.06M | $127.60M | $120.27M | $115.16M | $111.14M | $96.44M | $84.45M | $67.89M | $52.78M | $51.40M | $48.91M |
| Provision for Credit Losses | $39.05M | $23.52M | $7.50M | $14.09M | $6.35M | $6.47M | $32.40M | - | - | - | - | - | - | - | - | - |
| Net Interest Income After Provision | $177.39M | $177.39M | $141.51M | $142.00M | $169.73M | $131.59M | $95.20M | $116.27M | $111.61M | $105.29M | $88.94M | $77.35M | $63.02M | $49.35M | $43.13M | $41.66M |
| Non-Interest Income | $82.08M | $82.08M | $79.12M | $73.58M | $66.42M | $72.24M | $61.76M | $54.70M | $44.19M | $34.63M | $28.92M | $23.71M | $20.81M | $20.59M | $21.30M | $16.72M |
| Other Non-Interest Income | $9.27M | $9.27M | $7.53M | $8.49M | $5.36M | $3.38M | $1.85M | $2.75M | $5.04M | $1.66M | $1.40M | $1.00M | $497.00K | $169.00K | $196.00K | $156.00K |
| Total Revenue | - | $283.00M | $228.13M | $229.67M | - | - | - | - | - | - | - | - | - | - | - | - |
| Revenue Growth % | nan% | 24.1% | -0.7% | nan% | nan% | nan% | nan% | nan% | nan% | nan% | nan% | nan% | nan% | nan% | nan% | nan% |
| Non-Interest Expense | $207.17M | $207.17M | $175.68M | $148.29M | $133.80M | $126.17M | $124.96M | $104.85M | $98.09M | $85.61M | $75.11M | $68.93M | $59.54M | $55.18M | - | - |
| Compensation & Benefits | $145.49M | $145.49M | $122.33M | $100.52M | $89.48M | $81.86M | $77.52M | $70.13M | $62.80M | $53.96M | $45.00M | $40.28M | $36.24M | $32.25M | $27.59M | $23.23M |
| Occupancy Expense | $26.61M | $26.61M | $22.48M | $19.73M | $18.72M | $17.16M | $16.38M | $14.73M | $13.50M | $11.99M | $11.24M | $11.57M | $9.96M | $9.91M | $9.47M | - |
| 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 | $32.00M | $66.12M | $57.72M | $54.31M | $42.74M | - | - | - | - | - |
| Income Tax Expense | $14.98M | $14.98M | $11.96M | $18.43M | $28.10M | $21.04M | $5.81M | $18.69M | $13.55M | $17.81M | $16.26M | $12.17M | $9.40M | $5.50M | $6.41M | $1.81M |
| Net Income | $37.33M | $37.33M | $32.99M | $48.85M | $74.25M | $56.62M | $26.19M | $47.43M | $44.17M | $36.50M | $26.48M | $19.97M | $14.89M | $9.26M | $9.70M | $12.17M |
| Net Margin % | nan% | 13.2% | 14.5% | 21.3% | nan% | nan% | nan% | nan% | nan% | nan% | nan% | nan% | nan% | nan% | nan% | nan% |
| Basic EPS | 2.12 | 2.12 | 1.87 | 2.74 | 4.09 | 3.01 | 1.39 | 2.46 | 2.33 | 2.06 | 1.62 | 1.31 | 1.23 | 1.02 | 1.05 | 1.25 |
| Diluted EPS | 2.10 | 2.10 | 1.85 | 2.71 | 4.00 | 2.93 | 1.37 | 2.44 | 2.31 | 2.03 | 1.60 | 1.29 | 1.22 | 1.01 | 1.05 | 1.25 |
| 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) |
FY 2020 (Dec 31, 2020) |
FY 2019 (Dec 31, 2019) |
FY 2018 (Dec 31, 2018) |
FY 2017 (Dec 31, 2017) |
FY 2016 (Dec 31, 2016) |
FY 2015 (Dec 31, 2015) |
FY 2014 (Dec 31, 2014) |
FY 2013 (Dec 31, 2013) |
FY 2012 (Dec 31, 2012) |
FY 2011 (Dec 31, 2011) |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Cash & Due from Banks | $8.71M | $8.49M | $5.89M | $5.94M | $5.93M | $10.63M | $6.59M | $5.91M | $4.42M | $24.58M | $11.55M | $6.62M | $6.53M | $6.73M | $7.10M |
| Interest-Bearing Deposits | $179.11M | $382.88M | $181.78M | $184.14M | $140.88M | $642.59M | $201.49M | $154.76M | $108.93M | $138.01M | $58.51M | $24.48M | $28.51M | - | - |
| Investment Securities - AFS | $774.20M | $784.54M | $550.62M | $554.65M | $796.75M | $622.69M | $390.75M | $377.94M | $327.63M | - | - | - | - | - | - |
| Investment Securities - HTM | $95.86M | $101.64M | $107.75M | $102.29M | $108.68M | - | - | - | - | - | - | - | - | - | $100.72M |
| Loans & Leases (Gross) | - | - | - | - | - | - | - | - | - | - | - | - | - | - | $1.04B |
| Allowance for Loan Losses | $71.04M | $72.99M | $65.89M | $60.83M | - | - | - | - | - | - | - | - | - | - | - |
| Loans & Leases (Net) | - | - | $5.36B | $5.22B | $4.75B | $4.31B | $4.35B | $3.89B | - | - | - | - | - | - | - |
| Goodwill & Intangibles | $36.21M | $36.21M | $36.21M | $36.21M | $36.21M | $33.10M | $30.21M | $24.42M | $17.11M | $1.57M | $1.57M | $563.00K | - | - | - |
| Premises & Equipment | $39.16M | $28.89M | $24.17M | $23.83M | $23.04M | $21.61M | $20.91M | $27.41M | $29.48M | $30.37M | $30.25M | $32.26M | $28.99M | $30.03M | $31.94M |
| Other Assets | $48.64M | $51.00M | $53.25M | $63.59M | $62.45M | $99.76M | $45.64M | $45.38M | $26.93M | $13.88M | $14.36M | $13.24M | $15.83M | $21.48M | $7.33M |
| Total Assets | $7.53B | $7.01B | $6.48B | $6.35B | $6.08B | $5.89B | $5.18B | $4.62B | $4.26B | $3.88B | $3.36B | $2.70B | $1.97B | $1.67B | $1.60B |
| Total Deposits | $6.59B | $6.13B | $5.27B | $5.21B | $5.27B | $4.82B | $4.24B | $3.90B | $3.70B | $3.41B | $2.94B | $2.30B | $1.65B | $1.52B | $1.44B |
| Short-term Borrowings | $73.27M | - | $403.81M | $379.53M | - | $15.00M | $128.10M | - | - | - | $40.70M | $54.60M | $54.90M | - | - |
| Total Liabilities | $6.87B | $6.41B | $5.89B | $5.82B | $5.53B | $5.36B | $4.68B | $4.15B | $3.86B | $3.55B | $3.09B | $2.46B | $1.80B | $1.55B | $1.48B |
| Common Stock | $18.10M | $17.95M | $17.83M | $17.51M | $17.22M | $16.96M | $16.73M | $16.46M | $15.86M | $14.72M | $13.72M | $12.95M | $10.15M | $7.75M | $7.68M |
| Treasury Stock | $122.95M | $117.51M | $110.32M | $97.83M | $65.10M | $36.48M | $29.99M | $8.99M | $8.99M | $8.99M | $8.99M | $8.99M | $8.99M | $8.99M | $8.99M |
| AOCI | $-47.56M | $-66.41M | $-64.88M | $-74.21M | $-12.37M | $-1.39M | $-1.50M | $-2.35M | $-1.21M | $-1.53M | $-379.00K | $1.22M | $23.00K | $4.30M | $104.00K |
| Total Stockholders Equity | $658.21M | $605.85M | $583.68M | $532.98M | $546.39M | $527.12M | $503.65M | $469.01M | $403.68M | $324.21M | $275.68M | $242.27M | $170.66M | $122.06M | $122.97M |
| Total Liabilities & Equity | $7.53B | $7.01B | $6.48B | $6.35B | $6.08B | $5.89B | $5.18B | $4.62B | $4.26B | $3.88B | $3.36B | $2.70B | $1.97B | $1.67B | $1.60B |
| 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) |
FY 2020 (Dec 31, 2020) |
FY 2019 (Dec 31, 2019) |
FY 2018 (Dec 31, 2018) |
FY 2017 (Dec 31, 2017) |
FY 2016 (Dec 31, 2016) |
FY 2015 (Dec 31, 2015) |
FY 2014 (Dec 31, 2014) |
FY 2013 (Dec 31, 2013) |
FY 2012 (Dec 31, 2012) |
FY 2011 (Dec 31, 2011) |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net Income | $44.92M | $37.33M | $32.99M | $48.85M | $74.25M | $56.62M | $26.19M | $47.43M | $44.17M | $36.50M | $26.48M | $19.97M | $14.89M | $9.26M | $9.70M | $12.17M |
| Provision for Credit Losses | $39.05M | $23.52M | $7.50M | $14.09M | $6.35M | $6.47M | $32.40M | - | - | - | - | - | - | - | - | - |
| Deferred Taxes | $7.02M | $7.78M | $-14.30M | $-15.28M | $-6.64M | $9.45M | $8.22M | $10.01M | $17.04M | $14.12M | $952.00K | $-4.04M | $-1.48M | $2.67M | - | $-2.98M |
| Stock-based Compensation | - | - | - | - | - | - | - | - | $189.00K | $122.00K | $156.00K | $319.00K | $283.00K | $319.00K | $336.00K | $362.00K |
| Net Change in Loans HFS | $44.53M | $23.79M | $29.31M | $30.00M | $74.86M | $176.76M | $194.74M | $75.59M | $44.08M | $43.38M | $70.87M | $34.73M | $28.98M | $79.29M | $86.20M | $36.83M |
| Operating Cash Flow | $43.33M | $43.13M | $71.10M | $70.08M | $118.90M | $75.46M | $36.72M | $86.30M | $64.25M | $55.94M | $42.93M | $30.31M | - | $32.70M | $17.85M | $22.46M |
| Purchases of Securities | $1.30B | $733.43M | $899.67M | $619.02M | $420.17M | $653.52M | $448.05M | $209.97M | $156.89M | $91.56M | $187.04M | - | - | - | $17.37M | $62.59M |
| Sales of Securities | - | $53.18M | - | - | $118.97M | - | - | - | $19.54M | - | $5.50M | - | - | - | $26.60M | $45.36M |
| Maturities of Securities | $1.24B | $722.82M | $661.47M | $633.74M | $440.67M | $453.43M | $217.07M | $208.62M | $79.31M | $66.45M | $68.00M | $19.73M | $10.00M | $18.11M | $77.83M | $70.46M |
| Net Change in Loans | $1.32B | $768.13M | $83.40M | $153.11M | $480.86M | $503.75M | $354.54M | $478.10M | $358.65M | $505.05M | $518.83M | $746.13M | $745.43M | - | - | $10.89M |
| Capital Expenditures | $27.53M | $14.32M | $8.10M | $3.27M | $3.52M | $3.93M | $3.08M | $1.71M | $1.06M | $2.38M | $3.22M | $1.92M | $3.94M | $2.54M | $1.05M | $975.00K |
| Acquisitions | - | - | - | - | - | $5.50M | $4.16M | $2.60M | $3.50M | $13.50M | - | $800.00K | - | - | - | - |
| Investing Cash Flow | $-1.29B | $-735.76M | $-303.43M | $-147.48M | $-356.07M | $-753.80M | $-214.00M | $-486.96M | $-297.71M | $-435.51M | $-433.18M | $-625.43M | - | $-407.69M | $6.94M | $-118.39M |
| Net Change in Deposits | $851.59M | $459.96M | $854.91M | $68.95M | $-60.98M | $447.67M | $574.97M | $348.17M | $196.99M | $286.52M | $476.37M | $636.78M | $651.44M | $130.82M | $72.53M | $92.35M |
| 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 | $6.49M | $21.00M | - | - | - | - | - | $-130.00K | - | - |
| Dividends Paid | $6.17M | $3.52M | $3.53M | $3.56M | $3.65M | $3.77M | $3.78M | $3.87M | $3.71M | $3.55M | $3.30M | $3.10M | $2.41M | $1.80M | $1.77M | $1.76M |
| Financing Cash Flow | $803.54M | $489.08M | $436.02M | $75.00M | $280.44M | $171.82M | $622.41M | $448.08M | $280.79M | $330.33M | $482.78M | $634.07M | - | $290.90M | $51.38M | $76.29M |
| Net Change in Cash | $-438.76M | $-203.55M | $203.70M | $-2.40M | $43.27M | $-506.52M | $445.14M | $47.41M | $47.33M | $-49.24M | - | - | - | - | - | - |
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.