$1.15B
Net Interest Income
$111.30M
Net Income
22.8%
Efficiency Ratio
35.15%
Net Int. Margin
22.6%
ROE
| Breakdown | Q4 2025 (Dec 31, 2025) |
Q3 2025 (Sep 30, 2025) |
Q2 2025 (Jun 30, 2025) |
Q1 2025 (Mar 31, 2025) |
Q4 2024 (Dec 31, 2024) |
Q3 2024 (Sep 30, 2024) |
Q2 2024 (Jun 30, 2024) |
Q1 2024 (Mar 31, 2024) |
Q4 2023 (Dec 31, 2023) |
Q3 2023 (Sep 30, 2023) |
Q2 2023 (Jun 30, 2023) |
Q1 2023 (Mar 31, 2023) |
Q3 2022 (Sep 30, 2022) |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Interest Income | $734.38M | $495.29M | $393.82M | $344.87M | $353.19M | $350.95M | $315.64M | $290.17M | $308.60M | $294.91M | $290.75M | $260.98M | $277.87M |
| Interest Expense | $125.22M | $75.46M | $53.68M | $47.53M | $44.67M | $42.49M | $37.95M | $35.06M | $32.62M | $28.27M | $24.21M | $24.23M | $21.51M |
| Total Revenue | $175.85M | $140.81M | $122.32M | $118.22M | $117.47M | $100.36M | $90.08M | $93.53M | $91.80M | $88.24M | $88.48M | $86.28M | $92.44M |
| Revenue Growth % (YoY) | 49.7% | 40.3% | 35.8% | 26.4% | 28.0% | 13.7% | 1.8% | 8.4% | nan% | -4.5% | nan% | nan% | nan% |
| Non-Interest Expense | $129.63M | $108.33M | $82.17M | $77.36M | $77.60M | $63.07M | $61.48M | $60.71M | $61.09M | $56.48M | $56.47M | $52.20M | $53.12M |
| Compensation & Benefits | $22.49M | $18.20M | $13.38M | $15.50M | $12.56M | $12.30M | $11.97M | $13.31M | $11.31M | $11.36M | $10.63M | $10.60M | $10.36M |
| Marketing Expense | $32.68M | $35.30M | $24.95M | $20.33M | $17.34M | $14.85M | $13.57M | $10.43M | $14.93M | $12.60M | $14.49M | $10.41M | $11.05M |
| Other Non-Interest Expense | $16.24M | $14.32M | $8.87M | $8.57M | $11.14M | $7.20M | $7.58M | $9.49M | $7.59M | $6.01M | $6.90M | $6.24M | $6.44M |
| Income Before Tax | $46.22M | $32.48M | $40.15M | $40.87M | $39.87M | $37.29M | $28.60M | $32.82M | $30.70M | $31.76M | $32.01M | $34.08M | $39.32M |
| Income Tax Expense | $11.61M | $7.89M | $9.86M | $9.75M | $8.90M | $8.10M | $4.48M | $7.00M | $4.43M | $6.79M | $7.20M | $8.19M | $6.95M |
| Net Income | $35.13M | $24.98M | $30.57M | $31.52M | $31.30M | $29.54M | $24.28M | $26.17M | $26.30M | $25.24M | $25.09M | $26.21M | $32.57M |
| Net Margin % | 20.0% | 17.7% | 25.0% | 26.7% | 26.6% | 29.4% | 27.0% | 28.0% | 28.7% | 28.6% | 28.4% | 30.4% | 35.2% |
| Basic EPS | nan | 1.50 | 1.87 | 1.85 | 1.77 | 1.58 | 1.22 | 1.35 | 1.36 | 1.30 | 1.30 | 1.38 | 1.81 |
| Diluted EPS | nan | 1.21 | 1.51 | 1.49 | 1.42 | 1.27 | 0.99 | 1.09 | 1.10 | 1.03 | 1.02 | 1.08 | 1.41 |
| Breakdown | Q4 2025 (Dec 31, 2025) |
Q3 2025 (Sep 30, 2025) |
Q2 2025 (Jun 30, 2025) |
Q1 2025 (Mar 31, 2025) |
Q4 2024 (Dec 31, 2024) |
Q3 2024 (Sep 30, 2024) |
Q2 2024 (Jun 30, 2024) |
Q1 2024 (Mar 31, 2024) |
Q4 2023 (Dec 31, 2023) |
Q3 2023 (Sep 30, 2023) |
Q2 2023 (Jun 30, 2023) |
Q1 2023 (Mar 31, 2023) |
Q3 2022 (Sep 30, 2022) |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Cash & Due from Banks | $621.09M | $425.02M | $329.42M | $350.39M | $375.42M | $308.65M | - | - | $339.34M | - | - | - | - |
| Loans & Leases (Gross) | - | - | - | - | - | - | - | - | - | - | - | - | $107.41M |
| Allowance for Loan Losses | $4.10M | $4.60M | $4.90M | $4.80M | $4.90M | $4.60M | $2.40M | - | $1.76M | $1.83M | $1.70M | $1.74M | - |
| Loans & Leases (Net) | - | - | - | - | - | - | - | - | - | - | - | - | $1.82B |
| Premises & Equipment | $12.59M | $13.46M | $13.66M | $12.40M | $10.52M | $9.68M | $10.27M | $10.86M | $11.45M | $12.01M | $12.55M | $12.16M | $7.00M |
| Total Assets | $7.62B | $7.08B | $3.64B | $3.27B | $3.27B | $3.04B | $2.84B | $2.79B | $2.71B | $2.60B | $2.45B | $2.38B | $2.25B |
| Accounts Payable & Accrued | $284.51M | $253.08M | $112.79M | $81.11M | $72.09M | $59.56M | $70.58M | $59.17M | $61.63M | $48.17M | $47.47M | $42.01M | $43.49M |
| Total Liabilities | $6.98B | $6.45B | $3.04B | $2.70B | $2.69B | $2.47B | $2.27B | $2.23B | $2.17B | $2.08B | $1.95B | $1.89B | $1.81B |
| Common Stock | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Retained Earnings | $506.42M | $473.60M | $450.93M | $422.57M | $394.63M | $368.34M | $345.11M | $327.14M | $307.26M | $280.96M | $255.72M | $230.63M | $180.42M |
| Total Stockholders Equity | $608.70M | $589.34M | $563.32M | $532.71M | $492.91M | $457.72M | $433.81M | $416.02M | $394.68M | $376.79M | $363.35M | $346.42M | $307.45M |
| Total Liabilities & Equity | $7.62B | $7.08B | $3.64B | $3.27B | $3.27B | $3.04B | $2.84B | $2.79B | $2.71B | $2.60B | $2.45B | $2.38B | $2.25B |
| Breakdown | Q4 2025 (Dec 31, 2025) |
Q3 2025 (Sep 30, 2025) |
Q2 2025 (Jun 30, 2025) |
Q1 2025 (Mar 31, 2025) |
Q4 2024 (Dec 31, 2024) |
Q3 2024 (Sep 30, 2024) |
Q2 2024 (Jun 30, 2024) |
Q1 2024 (Mar 31, 2024) |
Q4 2023 (Dec 31, 2023) |
Q3 2023 (Sep 30, 2023) |
Q2 2023 (Jun 30, 2023) |
Q1 2023 (Mar 31, 2023) |
Q3 2022 (Sep 30, 2022) |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net Income | $35.13M | $24.98M | $30.57M | $31.52M | $31.30M | $29.54M | $24.28M | $26.17M | $26.30M | $76.54M | $51.30M | $26.21M | $111.61M |
| Stock-based Compensation | $1.56M | $2.74M | $1.82M | $870.00K | $928.00K | $2.97M | $1.99M | $940.00K | $913.00K | $2.87M | $1.96M | $931.00K | $3.23M |
| Operating Cash Flow | $266.25M | $371.71M | $264.26M | $131.57M | $122.60M | $346.80M | $234.44M | $118.80M | $132.67M | $326.65M | $209.79M | $101.70M | $245.64M |
| Acquisitions | - | $72.86M | - | - | - | - | - | - | - | - | - | - | - |
| Investing Cash Flow | $-484.54M | $-1.03B | $-520.42M | $-114.89M | $-176.00M | $-571.04M | $-264.75M | $-67.53M | $-211.19M | $-461.01M | $-241.41M | $-53.43M | $-524.44M |
| Long-term Debt Repaid | $1.61B | $1.12B | $634.76M | $310.66M | $84.70M | $481.54M | $411.29M | $108.65M | $211.91M | $541.96M | $243.16M | $95.28M | $218.56M |
| Common Stock Repurchased | $16.38M | $53.19M | $53.16M | $51.25M | $25.03M | $27.64M | $1.82M | $543.00K | $3.31M | $14.36M | $4.96M | $1.98M | $89.01M |
| Financing Cash Flow | $459.76M | $681.92M | $239.76M | $-54.87M | $168.32M | $225.29M | $53.82M | $47.39M | $62.16M | $101.19M | $-7.17M | $-46.95M | $158.93M |
| Net Change in Cash | $241.47M | $26.30M | $-16.40M | $-38.19M | $114.93M | $1.06M | $23.51M | $98.65M | $-16.37M | $-33.17M | $-38.78M | $1.32M | $-119.94M |
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-Q filings.
Quarterly data represents single quarter results (Q1-Q4). Some items may show year-to-date values if quarterly breakdown is unavailable.