$625.67M
Net Interest Income
$135.68M
Net Income
63.1%
Efficiency Ratio
5.41%
Net Int. Margin
9.0%
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 | $961.54M | $961.54M | $907.96M | $832.63M | $557.34M | $292.83M |
| Interest Expense | $335.87M | $335.87M | $373.92M | $270.79M | $82.52M | $80.00M |
| Net Interest Income | - | - | - | $561.84M | $474.82M | $212.83M |
| Provision for Credit Losses | $191.32M | $191.32M | $178.27M | $243.56M | $267.33M | $138.80M |
| Non-Interest Income | $373.18M | $373.18M | $252.97M | $302.78M | $712.39M | $605.80M |
| Total Revenue | $998.85M | $998.85M | $787.01M | $864.62M | $1.19B | $818.63M |
| Revenue Growth % | 0.0% | 26.9% | -9.0% | -27.2% | 45.0% | nan% |
| Non-Interest Expense | $630.58M | $630.58M | $543.68M | $566.44M | $766.85M | $661.39M |
| Compensation & Benefits | $241.85M | $241.85M | $232.16M | $261.95M | $339.40M | $288.39M |
| Occupancy Expense | $19.83M | $19.83M | $15.80M | $17.53M | $21.98M | $24.25M |
| Technology & Equipment | $57.01M | $57.01M | $51.19M | $53.48M | $49.20M | $39.49M |
| Professional Fees | $42.34M | $42.34M | $32.05M | $35.17M | $50.52M | $47.57M |
| Other Non-Interest Expense | $57.45M | $57.45M | $53.25M | $57.26M | $64.19M | $61.26M |
| Income Before Tax | $176.95M | $176.95M | $65.07M | $54.62M | $153.04M | $18.44M |
| Income Tax Expense | $41.27M | $41.27M | $13.74M | $15.68M | $-136.65M | $-136.00K |
| Net Income | $135.68M | $135.68M | $51.33M | $38.94M | $289.69M | $18.58M |
| Net Margin % | 13.6% | 13.6% | 6.5% | 4.5% | 24.4% | 2.3% |
| Basic EPS | 1.18 | 1.18 | 0.46 | 0.36 | 2.80 | nan |
| Diluted EPS | 1.15 | 1.16 | 0.45 | 0.36 | 2.79 | 0.18 |
| 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 | $11.75M | $15.52M | $14.99M | $23.12M | $35.67M |
| Interest-Bearing Deposits | $905.90M | $938.53M | $1.24B | $1.03B | $651.46M |
| Investment Securities - AFS | $3.71B | $3.45B | $1.62B | $345.70M | $263.53M |
| Loans & Leases (Gross) | $4.27B | $4.13B | $4.85B | $5.03B | $2.90B |
| Loans & Leases (Net) | $4.00B | $3.89B | $4.54B | $4.71B | $2.75B |
| Goodwill & Intangibles | $75.72M | $75.72M | $75.72M | $75.72M | $75.72M |
| Premises & Equipment | $254.09M | $167.53M | $161.52M | $136.47M | $98.00M |
| Other Assets | $368.09M | $403.98M | $455.45M | $500.31M | $302.55M |
| Total Assets | $11.57B | $10.63B | $8.83B | $7.98B | $4.90B |
| Total Deposits | $9.83B | $9.07B | $7.33B | $6.39B | $3.14B |
| Short-term Borrowings | - | - | - | $2.62M | $27.78M |
| Long-term Debt | - | - | $19.35M | - | - |
| Accounts Payable & Accrued | $87.34M | $78.13M | - | - | - |
| Other Liabilities | $233.52M | $220.54M | $222.80M | $292.62M | $303.95M |
| Total Liabilities | $10.07B | $9.29B | $7.58B | $6.82B | $4.05B |
| Common Stock | $1.15M | $1.13M | $1.10M | $1.06M | $1.01M |
| Retained Earnings | $-201.80M | $-337.48M | $-388.81M | $-427.75M | $-767.63M |
| AOCI | $-18.16M | $-24.24M | $-30.30M | $-37.62M | $7.05M |
| Total Stockholders Equity | $1.50B | $1.34B | $1.25B | $1.16B | $850.24M |
| Total Liabilities & Equity | $11.57B | $10.63B | $8.83B | $7.98B | $4.90B |
| 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 | $147.35M | $135.68M | $51.33M | $38.94M | $289.69M | $18.58M |
| Provision for Credit Losses | $191.32M | $191.32M | $178.27M | $243.56M | $267.33M | $138.80M |
| Depreciation & Amortization | - | - | $58.83M | $47.20M | $43.83M | $5.58M |
| Deferred Taxes | - | $37.44M | $10.87M | $17.56M | - | - |
| Stock-based Compensation | $60.39M | $34.29M | $40.07M | $52.39M | $66.36M | $66.76M |
| Net Change in Loans HFS | $5.03B | $3.27B | $3.10B | $1.54B | $-8.03M | $-4.86M |
| Operating Cash Flow | $-4.12B | $-2.73B | $-2.63B | $-1.14B | $375.57M | $239.87M |
| Purchases of Securities | - | $30.45M | $49.79M | $61.65M | $222.53M | $100.47M |
| Sales of Securities | - | - | - | - | - | $106.19M |
| Maturities of Securities | $2.98B | $1.79B | $938.41M | $97.71M | $86.08M | $143.40M |
| Capital Expenditures | $257.17M | $140.34M | $54.30M | $59.51M | $69.48M | $34.41M |
| Investing Cash Flow | $3.17B | $1.93B | $607.81M | $516.70M | $-2.81B | $-454.41M |
| Long-term Debt Repaid | - | - | - | - | $15.30M | $2.83M |
| Dividends Paid | - | - | - | - | - | - |
| Financing Cash Flow | $641.26M | $747.82M | $1.71B | $789.57M | $2.80B | $349.64M |
| Net Change in Cash | $-307.18M | $-46.96M | $-316.75M | $169.66M | $360.90M | $135.10M |
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 | $83.36M | $100.14M | $248.31M | $275.70M |
| Income Before Tax | $57.24M | $18.01M | $126.92M | $53.96M |
| Income Tax Expense | $12.96M | $3.55M | $32.79M | $12.35M |
| Net Income | $44.27M | $14.46M | $94.12M | $41.61M |
| Basic EPS | 0.39 | 0.13 | 0.82 | 0.37 |
| Diluted EPS | 0.37 | 0.13 | 0.81 | 0.37 |
| Basic Shares Outstanding | $114.96M | $112.04M | $114.36M | $111.38M |
| Diluted Shares Outstanding | $118.19M | $113.92M | $116.69M | $112.03M |
Condensed Consolidated Balance Sheets
| Description | Sep 30, 2025 | Dec 31, 2024 |
|---|---|---|
| Property Plant & Equipment | $250.33M | $167.53M |
| Goodwill | $75.72M | $75.72M |
| Total Assets | $11.07B | $10.63B |
| Total Liabilities | $9.61B | $9.29B |
| Common Stock | $1.15M | $1.13M |
| Retained Earnings | $-243.35M | $-337.48M |
| Total Stockholders Equity | $1.46B | $1.34B |
| Total Liabilities & Equity | $11.07B | $10.63B |
Condensed Consolidated Statements of Cash Flows
| Description | Sep 30, 2025 | Sep 30, 2025 | ||
|---|---|---|---|---|
| Current | Prior Year | Current YTD | Prior Year YTD | |
| Net Income | $44.27M | $14.46M | $94.12M | $41.61M |
| Depreciation & Amortization | - | - | $46.25M | $39.09M |
| Stock-based Compensation | - | - | $26.08M | $30.53M |
| Operating Cash Flow | - | - | $-1.82B | $-2.45B |
| Capital Expenditure | - | - | $124.76M | $37.08M |
| Sales of Investments | - | - | $1.29B | $607.65M |
| Investing Cash Flow | - | - | $1.38B | $109.72M |
| Financing Cash Flow | - | - | $308.08M | $2.10B |
| Net Change in Cash | - | - | $-131.73M | $-243.87M |
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.