$1.15B
Net Interest Income
$111.30M
Net Income
22.8%
Efficiency Ratio
35.15%
Net Int. Margin
22.6%
ROE
| Breakdown | TTM (Dec 31, 2025) |
FY 2025 (Dec 31, 2025) |
FY 2024 (Dec 31, 2024) |
FY 2023 (Dec 31, 2023) |
FY 2021 (Dec 31, 2021) |
FY 2020 (Dec 31, 2020) |
|---|---|---|---|---|---|---|
| Interest Income | $1.97B | $1.97B | $1.31B | $1.16B | $743.86M | $560.01M |
| Interest Expense | $301.90M | $301.90M | $160.17M | $109.34M | $54.13M | $51.55M |
| Non-Interest Income | - | $39.00K | $1.49M | - | - | $3.40M |
| Total Revenue | $557.21M | $557.21M | $401.43M | $354.81M | $438.74M | $260.60M |
| Revenue Growth % | 0.0% | 38.8% | 13.1% | -19.1% | 68.4% | nan% |
| Non-Interest Expense | $397.49M | $397.49M | $262.86M | $226.25M | $189.73M | $146.20M |
| Compensation & Benefits | $69.57M | $69.57M | $50.14M | $43.91M | $34.02M | $29.08M |
| Marketing Expense | $113.27M | $113.27M | $56.19M | $52.42M | $56.63M | $35.01M |
| Other Non-Interest Expense | $48.00M | $48.00M | $35.41M | $26.74M | $22.18M | $17.82M |
| Income Before Tax | $159.71M | $159.71M | $138.58M | $128.56M | $219.57M | $114.39M |
| Income Tax Expense | $39.10M | $39.10M | $28.47M | $26.60M | $41.78M | $20.47M |
| Net Income | $122.20M | $122.20M | $111.30M | $102.84M | $177.90M | $94.12M |
| Net Margin % | 21.9% | 21.9% | 27.7% | 29.0% | 40.5% | 36.1% |
| Basic EPS | nan | 7.40 | 5.92 | 5.35 | 10.32 | 5.32 |
| Diluted EPS | nan | 5.96 | 4.77 | 4.24 | 7.56 | 3.95 |
| Breakdown | FY 2025 (Dec 31, 2025) |
FY 2024 (Dec 31, 2024) |
FY 2023 (Dec 31, 2023) |
FY 2021 (Dec 31, 2021) |
FY 2020 (Dec 31, 2020) |
|---|---|---|---|---|---|
| Cash & Due from Banks | $621.09M | $375.42M | $339.34M | - | - |
| Loans & Leases (Gross) | - | - | - | $470.29M | $667.56M |
| Allowance for Loan Losses | $4.10M | $4.90M | $1.76M | $57.20M | - |
| Loans & Leases (Net) | - | - | - | $1.41B | $920.24M |
| Premises & Equipment | $12.59M | $10.52M | $11.45M | $7.33M | $2.24M |
| Total Assets | $7.62B | $3.27B | $2.71B | $1.94B | $1.21B |
| Accounts Payable & Accrued | $284.51M | $72.09M | $61.63M | $42.29M | $41.73M |
| Total Liabilities | $6.98B | $2.69B | $2.17B | $1.52B | $991.35M |
| Common Stock | - | - | - | - | - |
| Retained Earnings | $506.42M | $394.63M | $307.26M | $60.24M | $-117.67M |
| Total Stockholders Equity | $608.70M | $492.91M | $394.68M | $288.00M | $77.28M |
| Total Liabilities & Equity | $7.62B | $3.27B | $2.71B | $1.94B | $1.21B |
| Breakdown | TTM (Dec 31, 2025) |
FY 2025 (Dec 31, 2025) |
FY 2024 (Dec 31, 2024) |
FY 2023 (Dec 31, 2023) |
FY 2021 (Dec 31, 2021) |
FY 2020 (Dec 31, 2020) |
|---|---|---|---|---|---|---|
| Net Income | $122.20M | $122.20M | $111.30M | $102.84M | $177.90M | $94.12M |
| Depreciation & Amortization | - | - | - | - | - | $7.95M |
| Deferred Taxes | - | - | - | $37.83M | - | - |
| Stock-based Compensation | $6.98M | $4.29M | $3.90M | $3.78M | $3.24M | $1.35M |
| Operating Cash Flow | $1.03B | $637.96M | $469.40M | $459.32M | $212.37M | $212.73M |
| Capital Expenditures | - | - | - | - | - | $749.00K |
| Acquisitions | - | $72.86M | - | - | - | - |
| Investing Cash Flow | $-2.15B | $-1.51B | $-747.03M | $-672.20M | $-475.02M | $-292.57M |
| Long-term Debt Issued | - | - | - | - | - | $588.23M |
| Long-term Debt Repaid | $3.68B | $2.73B | $566.24M | $753.88M | $586.50M | $460.26M |
| Common Stock Repurchased | $173.97M | $69.57M | $52.67M | $17.67M | $25.22M | $3.35M |
| Financing Cash Flow | $1.33B | $1.14B | $393.61M | $163.34M | $510.33M | $162.38M |
| Net Change in Cash | $213.18M | $267.77M | $115.98M | $-49.54M | $247.67M | $82.57M |
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 | |
| Total Revenue | $494.68M | - | $1.23B | - |
| Cost of Revenue | $39.02M | - | $105.26M | - |
| Interest Expense | $75.46M | - | $176.68M | - |
| Other Income/Expense | $-616.00K | - | $20.00K | - |
| Income Before Tax | $32.48M | - | $113.49M | - |
| Income Tax Expense | $7.89M | - | $27.49M | - |
| Net Income | $24.98M | $24.13M | $87.07M | - |
| Basic EPS | 1.50 | - | 5.22 | - |
| Diluted EPS | 1.21 | - | 4.21 | - |
Condensed Consolidated Balance Sheets
| Description | Sep 30, 2025 | Dec 31, 2024 |
|---|---|---|
| Cash & Cash Equivalents | $425.02M | - |
| Property Plant & Equipment | $13.46M | $10.52M |
| Intangible Assets | $31.89M | - |
| Total Assets | $7.08B | $3.27B |
| Total Liabilities | $6.45B | $2.69B |
| Common Stock | - | - |
| Retained Earnings | $473.60M | $394.63M |
| Total Stockholders Equity | $589.34M | $492.91M |
| Total Liabilities & Equity | $7.08B | $3.27B |
Condensed Consolidated Statements of Cash Flows
| Description | Sep 30, 2025 | Sep 30, 2025 | ||
|---|---|---|---|---|
| Current | Prior Year | Current YTD | Prior Year YTD | |
| Net Income | $24.98M | $24.13M | $87.07M | - |
| Stock-based Compensation | - | - | $2.74M | - |
| Operating Cash Flow | - | - | $371.71M | - |
| Acquisitions | - | - | $72.86M | - |
| Investing Cash Flow | - | - | $-1.03B | - |
| Debt Repayment | - | - | $1.12B | - |
| Stock Issued | - | - | $11.59M | - |
| Stock Repurchased | - | - | $53.19M | - |
| Financing Cash Flow | - | - | $681.92M | - |
| Net Change in Cash | - | - | $26.30M | - |
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.