$987.58M
Net Interest Income
$268.35M
Net Income
60.7%
Efficiency Ratio
2.82%
Net Int. Margin
8.8%
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 | $1.79B | $1.79B | $1.93B | $1.86B | $1.23B | $959.45M |
| Interest Expense | $805.21M | $805.21M | $1.01B | $983.78M | $317.49M | $163.76M |
| Net Interest Income | $987.58M | $987.58M | $914.27M | $873.80M | $912.96M | $795.69M |
| Provision for Credit Losses | $68.35M | $68.35M | $58.99M | $78.92M | $75.15M | $-67.12M |
| Net Interest Income After Provision | $919.64M | $919.64M | $859.19M | $786.20M | $837.81M | $862.81M |
| Non-Interest Income | $105.64M | $105.64M | $99.16M | $86.84M | $77.64M | $134.15M |
| Non-Interest Expense | $663.53M | $663.53M | $642.00M | $635.95M | $540.31M | $547.58M |
| Compensation & Benefits | $341.05M | $341.05M | $315.60M | $280.74M | $265.55M | $243.53M |
| Occupancy Expense | $43.97M | $43.97M | $45.56M | $43.34M | $45.40M | $47.94M |
| Professional Fees | - | - | $17.11M | $14.18M | $11.73M | $14.39M |
| Other Non-Interest Expense | $146.62M | $146.62M | $118.48M | $106.50M | $72.14M | $56.92M |
| Income Before Tax | $361.75M | $361.75M | $316.35M | $237.08M | $375.13M | $449.38M |
| Income Tax Expense | $93.39M | $93.39M | $83.88M | $58.41M | $90.16M | $34.40M |
| Net Income | $268.35M | $268.35M | $232.47M | $178.67M | $284.97M | $414.98M |
| Basic EPS | 3.55 | 3.55 | 3.10 | 2.39 | 3.55 | 4.52 |
| Diluted EPS | 3.54 | 3.53 | 3.08 | 2.38 | 3.54 | 4.52 |
| 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 | $11.51M | $12.08M | $14.95M | $16.07M | $19.14M |
| Interest-Bearing Deposits | $206.27M | $479.04M | $573.34M | $556.58M | $295.71M |
| Investment Securities - AFS | $9.26B | $9.10B | - | - | - |
| Allowance for Loan Losses | - | - | $202.69M | $147.95M | $126.46M |
| Loans & Leases (Net) | $24.05B | $24.07B | $24.43B | - | - |
| Premises & Equipment | $61.10M | $61.36M | - | - | - |
| Other Assets | $809.13M | $753.21M | $786.89M | $740.88M | $634.05M |
| Total Assets | $35.04B | $35.24B | $35.76B | $37.03B | $35.82B |
| Total Deposits | $29.35B | $27.87B | $26.54B | $27.51B | $29.44B |
| Long-term Debt | $296.86M | $683.92M | - | - | - |
| Other Liabilities | $757.98M | $923.17M | $821.24M | $750.47M | $514.12M |
| Total Liabilities | $31.99B | $32.43B | $33.18B | $34.59B | $32.78B |
| Common Stock | $741.00K | $747.00K | $744.00K | $757.00K | $856.00K |
| Retained Earnings | $2.97B | $2.80B | $2.65B | $2.55B | $2.35B |
| AOCI | $-189.59M | $-284.54M | $-357.42M | $-437.90M | $-15.94M |
| Total Stockholders Equity | $3.05B | $2.81B | $2.58B | $2.44B | $3.04B |
| Total Liabilities & Equity | $35.04B | $35.24B | $35.76B | $37.03B | $35.82B |
| 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 | $268.35M | $268.35M | $232.47M | $178.67M | $284.97M | $414.98M |
| Provision for Credit Losses | - | $68.35M | $58.99M | $78.92M | - | - |
| Depreciation & Amortization | $92.40M | $51.02M | $60.11M | $74.06M | $77.62M | $78.50M |
| Deferred Taxes | $13.13M | $-5.36M | $-43.93M | $-46.83M | $1.44M | $-9.02M |
| Stock-based Compensation | $35.83M | $20.47M | $21.57M | $19.63M | $25.18M | $23.83M |
| Net Change in Loans HFS | - | - | - | - | - | - |
| Operating Cash Flow | $508.99M | $358.61M | $433.78M | $657.50M | $1.29B | $1.22B |
| Purchases of Securities | $6.49B | $3.75B | $2.42B | $405.48M | $2.97B | $5.84B |
| Sales of Securities | $2.16B | $1.34B | $435.00M | $371.78M | $798.21M | $2.29B |
| Maturities of Securities | $4.10B | $2.31B | $1.95B | $1.04B | $1.78B | $2.59B |
| Investing Cash Flow | $142.91M | $-214.43M | $409.71M | $980.57M | $-2.12B | $-1.64B |
| Net Change in Deposits | $2.46B | $1.49B | $1.33B | $-970.86M | $-1.93B | $1.94B |
| Common Stock Repurchased | - | $44.80M | - | $55.15M | $401.29M | $318.50M |
| Dividends Paid | $159.43M | $91.90M | $85.51M | $79.09M | $79.44M | $85.79M |
| Financing Cash Flow | $-662.43M | $-417.52M | $-940.66M | $-1.62B | $1.08B | $334.87M |
| Net Change in Cash | $-10.53M | $-273.33M | $-97.17M | $15.64M | $257.79M | $-82.86M |
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 | $5.39M | $5.02M | $15.95M | $15.24M |
| Interest Expense | $202.81M | $258.23M | $636.07M | $794.04M |
| Income Before Tax | $97.93M | $83.19M | $271.91M | $223.36M |
| Income Tax Expense | $26.08M | $21.73M | $72.81M | $60.19M |
| Net Income | $71.85M | $61.45M | $199.09M | $163.16M |
| Basic EPS | 0.96 | 0.82 | 2.65 | 2.19 |
| Diluted EPS | 0.95 | 0.81 | 2.63 | 2.17 |
Condensed Consolidated Balance Sheets
| Description | Sep 30, 2025 | Dec 31, 2024 |
|---|---|---|
| Cash & Cash Equivalents | $559.50M | $491.12M |
| Total Assets | $35.08B | $35.24B |
| Long-term Debt | $320.43M | $708.55M |
| Total Liabilities | $32.04B | $32.43B |
| Common Stock | $752.00K | $747.00K |
| Retained Earnings | $2.93B | $2.80B |
| Total Stockholders Equity | $3.03B | $2.81B |
| Total Liabilities & Equity | $35.08B | $35.24B |
Condensed Consolidated Statements of Cash Flows
| Description | Sep 30, 2025 | Sep 30, 2025 | ||
|---|---|---|---|---|
| Current | Prior Year | Current YTD | Prior Year YTD | |
| Net Income | $71.85M | $61.45M | $199.09M | $163.16M |
| Depreciation & Amortization | - | - | $39.90M | $46.32M |
| Stock-based Compensation | - | - | $14.91M | $15.99M |
| Deferred Income Tax | - | - | $780.00K | $-37.17M |
| Operating Cash Flow | - | - | $233.72M | $248.25M |
| Sales of Investments | - | - | $1.55B | $1.35B |
| Investing Cash Flow | - | - | $338.43M | $280.37M |
| Dividends Paid | - | - | $68.62M | $63.87M |
| Financing Cash Flow | - | - | $-503.76M | $-227.03M |
| Net Change in Cash | - | - | $68.39M | $301.58M |
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.