$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) |
FY 2020 (Dec 31, 2020) |
FY 2019 (Dec 31, 2019) |
FY 2018 (Dec 31, 2018) |
FY 2017 (Dec 31, 2017) |
FY 2016 (Dec 31, 2016) |
FY 2015 (Dec 31, 2015) |
FY 2014 (Dec 31, 2014) |
FY 2013 (Dec 31, 2013) |
FY 2012 (Dec 31, 2012) |
FY 2011 (Dec 31, 2011) |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Interest Income | $1.79B | $1.79B | $1.93B | $1.86B | $1.23B | $959.45M | $1.07B | $1.28B | $1.45B | $1.20B | $1.06B | $880.82M | $783.74M | $738.82M | $720.86M | $638.10M |
| Interest Expense | $805.21M | $805.21M | $1.01B | $983.78M | $317.49M | $163.76M | $315.85M | $529.09M | $399.05M | $254.19M | $188.83M | $135.16M | $106.65M | $92.61M | $123.27M | $138.94M |
| Net Interest Income | $987.58M | $987.58M | $914.27M | $873.80M | $912.96M | $795.69M | $751.76M | $752.78M | $1.05B | $950.27M | $870.38M | $745.65M | $677.09M | $646.21M | $597.59M | $499.16M |
| Provision for Credit Losses | $68.35M | $68.35M | $58.99M | $78.92M | $75.15M | $-67.12M | $178.43M | $8.90M | - | - | - | - | - | - | - | - |
| Net Interest Income After Provision | $919.64M | $919.64M | $859.19M | $786.20M | $837.81M | $862.81M | $573.33M | $743.88M | $1.02B | $881.52M | $819.47M | $701.34M | $635.59M | $614.25M | $578.69M | $485.33M |
| Non-Interest Income | $105.64M | $105.64M | $99.16M | $86.84M | $77.64M | $134.15M | $133.22M | $147.20M | $132.02M | $157.90M | $106.42M | $102.22M | $84.17M | $31.11M | $89.25M | $163.22M |
| Service Charges & Fees | - | - | - | - | - | - | - | - | $14.04M | $20.86M | $19.46M | $17.88M | $16.61M | $14.26M | - | - |
| Non-Interest Expense | $663.53M | $663.53M | $642.00M | $635.95M | $540.31M | $547.58M | $457.19M | $487.09M | $740.54M | $634.97M | $590.45M | $506.67M | $426.50M | $327.35M | $323.07M | $455.81M |
| Compensation & Benefits | $341.05M | $341.05M | $315.60M | $280.74M | $265.55M | $243.53M | $217.16M | $235.33M | $255.00M | $237.82M | $223.01M | $210.10M | $195.22M | $173.76M | $173.26M | $272.99M |
| Occupancy Expense | $43.97M | $43.97M | $45.56M | $43.34M | $45.40M | $47.94M | $48.24M | $56.17M | $55.90M | $75.39M | $76.00M | $75.48M | $70.52M | $63.77M | $54.47M | $36.68M |
| Professional Fees | - | - | $17.11M | $14.18M | $11.73M | $14.39M | $11.71M | $20.35M | $16.54M | $23.68M | $14.25M | $14.19M | $13.18M | $21.93M | $15.47M | $17.33M |
| Other Non-Interest Expense | $146.62M | $146.62M | $118.48M | $106.50M | $72.14M | $56.92M | $50.72M | $58.44M | $57.20M | $50.62M | $53.36M | $51.25M | $53.03M | $44.39M | $34.14M | $28.16M |
| Income Before Tax | $361.75M | $361.75M | $316.35M | $237.08M | $375.13M | $449.38M | $249.36M | $404.00M | - | - | - | - | - | - | - | - |
| Income Tax Expense | $93.39M | $93.39M | $83.88M | $58.41M | $90.16M | $34.40M | $51.51M | $90.90M | $90.78M | $-209.81M | $109.70M | $45.23M | $89.03M | $109.07M | $133.60M | $129.58M |
| Net Income | $268.35M | $268.35M | $232.47M | $178.67M | $284.97M | $414.98M | $197.85M | $313.10M | $324.87M | $614.27M | $225.74M | $251.66M | $204.22M | $208.94M | $211.26M | $63.17M |
| Basic EPS | 3.55 | 3.55 | 3.10 | 2.39 | 3.55 | 4.52 | 2.06 | 3.14 | 3.01 | 5.60 | 2.11 | 2.37 | 1.95 | 2.03 | 2.05 | 0.63 |
| Diluted EPS | 3.54 | 3.53 | 3.08 | 2.38 | 3.54 | 4.52 | 2.06 | 3.13 | 2.99 | 5.58 | 2.09 | 2.35 | 1.95 | 2.01 | 2.05 | 0.62 |
| 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) |
FY 2020 (Dec 31, 2020) |
FY 2019 (Dec 31, 2019) |
FY 2018 (Dec 31, 2018) |
FY 2017 (Dec 31, 2017) |
FY 2016 (Dec 31, 2016) |
FY 2015 (Dec 31, 2015) |
FY 2014 (Dec 31, 2014) |
FY 2013 (Dec 31, 2013) |
FY 2012 (Dec 31, 2012) |
FY 2011 (Dec 31, 2011) |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Cash & Due from Banks | $11.51M | $12.08M | $14.95M | $16.07M | $19.14M | $20.23M | $7.70M | $9.39M | $35.25M | $40.26M | $31.52M | $46.27M | $45.98M | $61.09M | $39.89M |
| Interest-Bearing Deposits | $206.27M | $479.04M | $573.34M | $556.58M | $295.71M | $377.48M | $206.97M | $372.68M | $159.34M | $35.41M | $39.61M | $33.98M | $14.59M | $21.51M | $13.16M |
| Investment Securities - AFS | $9.26B | $9.10B | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Investment Securities - HTM | - | - | - | - | - | - | - | - | $10.00M | $10.00M | $10.00M | $10.00M | - | - | - |
| Loans & Leases (Gross) | - | - | - | - | - | - | - | - | - | - | - | - | - | - | $4.14B |
| Allowance for Loan Losses | - | - | $202.69M | $147.95M | $126.46M | $257.32M | $108.67M | $109.93M | $144.79M | - | - | - | - | - | - |
| Loans & Leases (Net) | $24.05B | $24.07B | $24.43B | - | - | - | - | - | - | - | - | - | - | - | $4.09B |
| Premises & Equipment | $61.10M | $61.36M | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Other Assets | $809.13M | $753.21M | $786.89M | $740.88M | $634.05M | $571.05M | $491.50M | $400.84M | $664.38M | $343.77M | $335.07M | $211.28M | $232.01M | $187.68M | $131.54M |
| Total Assets | $35.04B | $35.24B | $35.76B | $37.03B | $35.82B | $35.01B | $32.87B | $32.16B | $30.35B | $27.88B | $23.88B | $19.21B | $15.05B | $12.38B | $11.32B |
| Total Deposits | $29.35B | $27.87B | $26.54B | $27.51B | $29.44B | $27.50B | $24.39B | $23.47B | $21.88B | $19.49B | $16.94B | $13.51B | $10.53B | $8.54B | $7.36B |
| Long-term Debt | $296.86M | $683.92M | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Other Liabilities | $757.98M | $923.17M | $821.24M | $750.47M | $514.12M | $506.17M | $486.08M | $392.52M | $268.62M | $328.68M | $290.06M | $327.68M | $171.21M | $106.11M | $110.70M |
| Total Liabilities | $31.99B | $32.43B | $33.18B | $34.59B | $32.78B | $32.03B | $29.89B | $29.24B | $27.32B | $25.46B | $21.64B | $17.16B | $13.12B | $10.57B | $9.79B |
| Common Stock | $741.00K | $747.00K | $744.00K | $757.00K | $856.00K | $931.00K | $951.00K | $991.00K | $1.07M | $1.04M | $1.04M | $1.02M | $1.01M | $950.00K | $977.00K |
| Retained Earnings | $2.97B | $2.80B | $2.65B | $2.55B | $2.35B | $2.01B | $1.93B | $1.70B | $1.47B | $949.68M | $813.89M | $651.63M | $535.26M | $413.38M | $276.22M |
| AOCI | $-189.59M | $-284.54M | $-357.42M | $-437.90M | $-15.94M | $-49.15M | $-31.83M | $4.87M | $54.99M | $41.25M | $22.18M | $46.35M | $57.48M | $83.98M | $18.02M |
| Total Stockholders Equity | $3.05B | $2.81B | $2.58B | $2.44B | $3.04B | $2.98B | $2.98B | $2.92B | $3.03B | $2.42B | $2.24B | $2.05B | $1.93B | $1.81B | $1.54B |
| Total Liabilities & Equity | $35.04B | $35.24B | $35.76B | $37.03B | $35.82B | $35.01B | $32.87B | $32.16B | $30.35B | $27.88B | $23.88B | $19.21B | $15.05B | $12.38B | $11.32B |
| 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) |
FY 2020 (Dec 31, 2020) |
FY 2019 (Dec 31, 2019) |
FY 2018 (Dec 31, 2018) |
FY 2017 (Dec 31, 2017) |
FY 2016 (Dec 31, 2016) |
FY 2015 (Dec 31, 2015) |
FY 2014 (Dec 31, 2014) |
FY 2013 (Dec 31, 2013) |
FY 2012 (Dec 31, 2012) |
FY 2011 (Dec 31, 2011) |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net Income | $268.35M | $268.35M | $232.47M | $178.67M | $284.97M | $414.98M | $197.85M | $313.10M | $324.87M | $614.27M | $225.74M | $251.66M | $204.22M | $208.94M | $211.26M | $63.17M |
| Provision for Credit Losses | - | $68.35M | $58.99M | $78.92M | - | - | - | - | - | - | - | - | - | - | - | - |
| Depreciation & Amortization | $92.40M | $51.02M | $60.11M | $74.06M | $77.62M | $78.50M | $72.51M | - | - | - | - | - | - | - | - | - |
| Deferred Taxes | $13.13M | $-5.36M | $-43.93M | $-46.83M | $1.44M | $-9.02M | $-27.59M | $24.53M | $67.78M | $57.80M | $30.19M | $29.47M | $-39.58M | $8.24M | $-72.23M | $-15.11M |
| Stock-based Compensation | $35.83M | $20.47M | $21.57M | $19.63M | $25.18M | $23.83M | $20.37M | $23.37M | $23.14M | $22.69M | $18.03M | $16.03M | $15.55M | $13.43M | $23.20M | $144.77M |
| Net Change in Loans HFS | - | - | - | - | - | - | $26.20M | $86.57M | $155.97M | $142.68M | $148.19M | $130.82M | $23.09M | $34.09M | $39.73M | $35.54M |
| Operating Cash Flow | $508.99M | $358.61M | $433.78M | $657.50M | $1.29B | $1.22B | $864.17M | $635.71M | $824.25M | $318.63M | $307.17M | $217.89M | $-49.75M | $-67.11M | $-351.61M | $-248.54M |
| Purchases of Securities | $6.49B | $3.75B | $2.42B | $405.48M | $2.97B | $5.84B | $4.21B | $3.90B | - | - | - | - | - | - | - | - |
| Sales of Securities | $2.16B | $1.34B | $435.00M | $371.78M | $798.21M | $2.29B | $1.50B | $2.98B | - | - | - | - | - | - | - | - |
| Maturities of Securities | $4.10B | $2.31B | $1.95B | $1.04B | $1.78B | $2.59B | $1.35B | $1.37B | $1.53B | $1.26B | $724.67M | $537.99M | $362.55M | $5.75M | $78.62M | $61.56M |
| Net Change in Loans | - | - | - | - | - | - | - | $-477.81M | $-404.77M | $672.34M | $1.39B | $3.13B | $2.62B | $2.07B | - | - |
| Capital Expenditures | - | - | - | - | - | - | - | - | - | - | - | $23.27M | $24.01M | $22.08M | $31.96M | $42.64M |
| Acquisitions | - | - | - | - | - | - | - | - | - | - | - | - | - | - | $1.63M | - |
| Investing Cash Flow | $142.91M | $-214.43M | $409.71M | $980.57M | $-2.12B | $-1.64B | $-2.62B | $-1.08B | $-2.04B | $-2.45B | $-3.83B | $-4.61B | $-3.81B | $-2.61B | $201.00M | $-235.92M |
| Net Change in Deposits | $2.46B | $1.49B | $1.33B | $-970.86M | $-1.93B | $1.94B | $3.10B | $920.37M | $1.60B | $2.39B | $2.55B | $3.43B | $2.98B | $1.99B | $738.33M | $207.97M |
| Long-term Debt Issued | - | - | - | - | - | - | - | - | - | - | - | $392.25M | - | - | - | - |
| Common Stock Repurchased | - | $44.80M | - | $55.15M | $401.29M | $318.50M | $100.97M | $154.03M | $299.97M | - | - | - | - | - | - | - |
| Dividends Paid | $159.43M | $91.90M | $85.51M | $79.09M | $79.44M | $85.79M | $86.52M | $84.08M | $91.31M | $91.63M | $89.82M | $88.98M | $87.72M | $65.22M | $89.02M | $55.80M |
| Financing Cash Flow | $-662.43M | $-417.52M | $-940.66M | $-1.62B | $1.08B | $334.87M | $1.94B | $272.39M | $1.40B | $1.88B | $3.70B | $4.47B | $3.79B | $2.43B | $342.22M | $223.43M |
| Net Change in Cash | $-10.53M | $-273.33M | $-97.17M | $15.64M | $257.79M | $-82.86M | $183.04M | $-167.40M | $187.49M | - | - | - | - | - | - | - |
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.