$503.11M
Net Interest Income
$90.27M
Net Income
70.5%
Efficiency Ratio
2.17%
Net Int. Margin
3.6%
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 | $824.79M | $832.79M | $613.94M | $576.30M | $387.26M | $329.06M |
| Interest Expense | $314.50M | $329.68M | $262.35M | $207.25M | $42.66M | $37.90M |
| Net Interest Income | $510.28M | $503.11M | $351.59M | $369.05M | $344.60M | $291.17M |
| Provision for Credit Losses | $37.91M | $41.39M | $21.64M | $38.21M | $11.00M | $-500.00K |
| Net Interest Income After Provision | - | $461.71M | $307.94M | $301.50M | - | - |
| Non-Interest Income | $80.69M | $49.89M | $48.41M | $42.78M | $68.94M | $143.25M |
| Other Non-Interest Income | - | $9.37M | $4.07M | $5.49M | - | $6.63M |
| Total Revenue | - | - | $400.00M | $411.83M | $413.53M | $434.41M |
| Revenue Growth % | nan% | nan% | -2.9% | -0.4% | -4.8% | nan% |
| Non-Interest Expense | $410.17M | $389.75M | $296.49M | $301.51M | $288.72M | $285.89M |
| Compensation & Benefits | $200.14M | $191.20M | $160.45M | $159.28M | $152.74M | $150.59M |
| Occupancy Expense | - | $29.87M | $22.06M | $20.20M | - | - |
| Marketing Expense | - | $5.98M | $5.24M | $4.72M | - | - |
| Professional Fees | $7.57M | $8.09M | $10.31M | $11.64M | $12.04M | $15.86M |
| Other Non-Interest Expense | $25.54M | $25.16M | $27.85M | $29.50M | $28.42M | $26.35M |
| Income Before Tax | $142.89M | $121.86M | $79.52M | $78.32M | $113.82M | $149.02M |
| Income Tax Expense | $37.66M | $31.59M | $18.51M | $8.72M | $21.29M | $30.36M |
| Net Income | $105.23M | $90.27M | $61.00M | $69.60M | $92.53M | $118.66M |
| Net Margin % | nan% | nan% | 15.3% | 16.9% | 22.4% | 27.3% |
| Basic EPS | 1.78 | 1.03 | 1.44 | 1.61 | 2.03 | 2.41 |
| Diluted EPS | 1.78 | 1.03 | 1.43 | 1.60 | 2.02 | 2.39 |
| 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 | $201.56M | $182.78M | $148.15M | $145.34M | $109.35M |
| Interest-Bearing Deposits | $1.82B | $470.71M | - | - | - |
| Investment Securities - AFS | $1.69B | $655.72M | $1.02B | $1.42B | $1.88B |
| Total Investment Securities | - | - | $13.03M | $12.86M | $15.45M |
| Loans & Leases (Gross) | $18.03B | $9.38B | $9.04B | $8.34B | $6.83B |
| Loans & Leases (Net) | $17.78B | $9.27B | $8.93B | $8.24B | $6.72B |
| Goodwill & Intangibles | $351.61M | $241.22M | $241.22M | - | - |
| Premises & Equipment | $162.47M | $56.61M | $68.92M | $85.22M | $94.38M |
| Other Assets | $352.82M | $358.44M | $341.76M | $348.94M | $288.38M |
| Total Assets | $23.22B | $12.27B | $12.43B | $11.66B | $11.55B |
| Total Deposits | $19.51B | $10.38B | $10.63B | $10.33B | $10.07B |
| Short-term Borrowings | - | $103.50M | $260.00M | - | - |
| Long-term Debt | $788.36M | $1.52B | - | - | - |
| Other Liabilities | - | $292.69M | $278.63M | $256.02M | $192.68M |
| Total Liabilities | $20.72B | $11.11B | $11.42B | $10.71B | $10.37B |
| Common Stock | $896.00K | $562.00K | $528.00K | $528.00K | $528.00K |
| Retained Earnings | $485.86M | $-3.08M | $-33.14M | $-71.43M | $-139.38M |
| Treasury Stock | - | - | - | - | $89.86M |
| AOCI | $-20.00M | $-106.34M | $-143.02M | $-181.05M | $-3.24M |
| Total Stockholders Equity | $2.50B | $1.17B | $1.01B | $954.06M | $1.18B |
| Total Liabilities & Equity | $23.22B | $12.27B | $12.43B | $11.66B | $11.55B |
| 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 | $130.95M | $90.27M | $61.00M | $69.60M | $92.53M | $118.66M |
| Provision for Credit Losses | - | $41.39M | $21.64M | $38.21M | - | - |
| Depreciation & Amortization | - | $10.00M | $8.00M | - | - | - |
| Deferred Taxes | - | $22.35M | $392.00K | $16.17M | - | - |
| Stock-based Compensation | - | - | $8.32M | $7.50M | $7.34M | $4.17M |
| Net Change in Trading Assets | - | - | - | - | $-818.00K | $-776.00K |
| Net Change in Loans HFS | - | - | $-805.00K | $-2.07M | $-5.17M | $-5.78M |
| Operating Cash Flow | $309.48M | $224.44M | $125.21M | $157.16M | $123.23M | $105.48M |
| Purchases of Securities | $85.04M | $33.13M | $86.55M | $44.59M | $478.94M | $804.62M |
| Sales of Securities | $176.31M | $176.31M | $361.87M | $267.20M | $149.99M | - |
| Maturities of Securities | $251.84M | $189.96M | $88.19M | $201.62M | $548.42M | $575.54M |
| Net Change in Loans | - | - | $493.72M | $716.59M | $1.56B | $-1.26B |
| Capital Expenditures | $21.25M | $12.29M | $4.57M | $1.82M | $1.50M | $1.61M |
| Acquisitions | - | $-1.08B | - | $80.21M | - | - |
| Investing Cash Flow | $2.16B | $2.30B | $-317.25M | $-284.46M | $-1.27B | $600.55M |
| Net Change in Deposits | - | - | $160.14M | $306.12M | $258.32M | $-154.05M |
| Long-term Debt Issued | - | - | - | - | - | - |
| Long-term Debt Repaid | - | - | - | - | - | $462.06M |
| Common Stock Repurchased | - | - | $17.54M | $23.84M | $124.52M | $68.71M |
| Dividends Paid | $88.20M | $63.12M | $30.94M | $31.71M | $24.53M | $24.55M |
| Financing Cash Flow | $-1.60B | $-1.03B | $117.21M | $645.19M | $207.69M | $-636.10M |
| Net Change in Cash | $870.33M | $1.50B | $-74.83M | $517.89M | $-942.45M | $69.93M |
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 | $83.56M | $76.55M | $214.01M | $218.90M |
| Income Before Tax | $-71.87M | $26.75M | $-16.80M | $67.87M |
| Income Tax Expense | $-21.63M | $6.61M | $-7.68M | $16.69M |
| Net Income | $-50.24M | $20.14M | $-9.11M | $51.18M |
| Basic EPS | -0.57 | 0.23 | -0.10 | 0.58 |
| Diluted EPS | -0.57 | 0.23 | -0.10 | 0.57 |
| Basic Shares Outstanding | $87.51M | $89.03M | $88.57M | $88.94M |
| Diluted Shares Outstanding | $87.51M | $89.32M | $88.57M | $89.24M |
Condensed Consolidated Balance Sheets
| Description | Sep 30, 2025 | Dec 31, 2024 |
|---|---|---|
| Cash & Cash Equivalents | $1.22B | $543.67M |
| Property Plant & Equipment | $158.38M | $86.78M |
| Goodwill | $353.47M | $241.22M |
| Intangible Assets | $198.34M | $17.46M |
| Total Assets | $22.82B | $11.91B |
| Long-term Debt | $1.08B | $1.52B |
| Total Liabilities | $20.41B | $10.68B |
| Common Stock | $896.00K | $970.00K |
| Total Stockholders Equity | $2.41B | $1.22B |
| Total Liabilities & Equity | $22.82B | $11.91B |
Condensed Consolidated Statements of Cash Flows
| Description | Sep 30, 2025 | Sep 30, 2025 | ||
|---|---|---|---|---|
| Current | Prior Year | Current YTD | Prior Year YTD | |
| Net Income | $-50.24M | $20.14M | $-9.11M | $51.18M |
| Operating Cash Flow | - | - | $57.01M | $61.47M |
| Capital Expenditure | - | - | $4.45M | $3.17M |
| Acquisitions | - | - | $-1.08B | - |
| Sales of Investments | - | - | $98.92M | $152.55M |
| Investing Cash Flow | - | - | $1.94B | $-51.11M |
| Dividends Paid | - | - | $36.09M | $36.03M |
| Financing Cash Flow | - | - | $-1.32B | $264.50M |
| Net Change in Cash | - | - | $676.95M | $274.86M |
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.