$83.77M
Net Interest Income
$41.01M
Net Income
46.8%
Efficiency Ratio
4.43%
Net Int. Margin
26.0%
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) |
FY 2020 (Dec 31, 2020) |
FY 2019 (Dec 31, 2019) |
FY 2018 (Dec 31, 2018) |
FY 2017 (Dec 31, 2017) |
|---|---|---|---|---|---|---|---|---|---|---|
| Interest Income | $139.42M | $139.42M | $113.37M | $91.89M | $60.99M | $44.53M | $38.63M | $36.66M | $28.95M | $20.39M |
| Interest Expense | $17.94M | $17.94M | $13.44M | $8.12M | $1.65M | $828.00K | $1.19M | $2.55M | $1.21M | $538.00K |
| Net Interest Income | $121.48M | $121.48M | $99.93M | $83.77M | $59.35M | $43.70M | $37.44M | $34.11M | $27.74M | $19.86M |
| Provision for Credit Losses | $9.68M | $9.68M | $4.70M | $4.53M | $3.49M | - | - | - | - | - |
| Net Interest Income After Provision | $111.81M | $111.81M | $95.23M | $79.25M | $55.86M | $36.75M | $31.19M | $32.26M | $26.36M | $18.95M |
| Non-Interest Income | $25.08M | $25.08M | $24.89M | $29.75M | $24.93M | $21.02M | $14.65M | $11.81M | $7.86M | $5.52M |
| Trading Revenue | $1.44M | $1.44M | $1.28M | $955.00K | $359.00K | $434.00K | - | - | - | - |
| Other Non-Interest Income | $20.21M | $20.21M | $20.88M | $22.32M | $21.94M | $20.86M | - | - | - | - |
| Non-Interest Expense | $71.23M | $71.23M | $60.84M | $53.12M | $41.98M | $35.06M | $28.67M | $24.93M | $22.30M | $17.43M |
| Compensation & Benefits | $42.31M | $42.31M | $37.84M | $32.48M | $25.77M | $21.74M | $16.87M | $14.68M | $13.04M | $10.07M |
| Occupancy Expense | $4.91M | $4.91M | $4.09M | $3.36M | $3.24M | $2.81M | $2.42M | $1.91M | $1.74M | $1.56M |
| Technology & Equipment | $8.46M | $8.46M | $6.66M | $5.17M | $4.22M | $3.67M | $3.12M | $2.47M | $1.90M | $1.71M |
| Marketing Expense | $3.61M | $3.61M | $3.51M | $1.82M | $1.46M | $1.17M | $584.00K | $718.00K | $524.00K | $485.00K |
| Professional Fees | $5.50M | $5.50M | $3.82M | $5.45M | $3.38M | $2.92M | $3.23M | $2.92M | $2.59M | $1.90M |
| Other Non-Interest Expense | $3.67M | $3.67M | $3.00M | $3.06M | $2.79M | $1.97M | $1.86M | $1.45M | $1.69M | $1.02M |
| Income Before Tax | $65.65M | $65.65M | $59.28M | $55.88M | $38.80M | $22.71M | $17.17M | $19.14M | $11.92M | $7.03M |
| Income Tax Expense | $14.83M | $14.83M | $15.62M | $14.87M | $10.28M | $4.78M | $4.55M | $5.00M | $3.19M | $3.39M |
| Net Income | $50.82M | $50.82M | $43.66M | $41.01M | $28.52M | $17.93M | $12.62M | $14.14M | $8.73M | $3.64M |
| Basic EPS | nan | 6.30 | 5.58 | 5.31 | 3.73 | 2.40 | 1.70 | 1.91 | 1.18 | 0.59 |
| Diluted EPS | nan | 5.87 | 5.14 | 4.91 | 3.47 | 2.26 | 1.65 | 1.82 | 1.13 | 0.58 |
| 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) |
|---|---|---|---|---|---|---|---|---|---|
| Cash & Due from Banks | $235.89M | $126.33M | $165.21M | $164.12M | $149.16M | $65.19M | $61.81M | $659.00K | $471.00K |
| Interest-Bearing Deposits | - | - | - | - | - | - | - | $29.90M | $42.61M |
| Investment Securities - AFS | $246.50M | $241.75M | $122.11M | $109.27M | $148.38M | $117.66M | $146.42M | $145.70M | $128.76M |
| Loans & Leases (Gross) | - | - | - | - | - | $672.42M | $565.37M | $468.10M | $348.98M |
| Loans & Leases (Net) | - | - | - | $935.07M | $775.44M | $661.02M | $558.38M | $462.47M | $344.71M |
| Premises & Equipment | $4.38M | $2.44M | $2.60M | $2.70M | $3.33M | $3.02M | $2.83M | $2.69M | $2.55M |
| Other Assets | $57.36M | $51.00M | $35.49M | $38.38M | $42.46M | $28.29M | $20.61M | $12.96M | $7.27M |
| Total Assets | $2.37B | $1.89B | $1.62B | $1.40B | $1.18B | $936.71M | $798.01M | $663.90M | $533.63M |
| Total Deposits | $2.06B | $1.64B | $1.41B | $1.23B | $1.03B | $804.05M | $680.62M | $568.42M | $448.49M |
| Total Liabilities | $2.08B | $1.66B | $1.42B | $1.24B | $1.04B | $810.64M | $686.95M | $571.12M | $450.25M |
| Common Stock | $87.00K | $85.00K | $84.00K | $82.00K | $81.00K | $78.00K | $77.00K | $75.00K | $73.00K |
| Retained Earnings | $197.79M | $152.93M | $114.26M | $77.71M | $51.46M | $33.53M | $20.92M | $6.77M | $-1.96M |
| AOCI | $-8.49M | $-14.29M | $-13.23M | $-15.12M | $-850.00K | $1.41M | $386.00K | $-2.61M | $-1.39M |
| Total Stockholders Equity | $289.60M | $237.09M | $198.56M | $157.59M | $143.74M | $126.08M | $111.06M | $92.77M | $83.38M |
| Total Liabilities & Equity | $2.37B | $1.89B | $1.62B | $1.40B | $1.18B | $936.71M | $798.01M | $663.90M | $533.63M |
| 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) |
|---|---|---|---|---|---|---|---|---|---|---|
| Net Income | $50.82M | $50.82M | $43.66M | $41.01M | $28.52M | $17.93M | $12.62M | $14.14M | $8.73M | $3.64M |
| Provision for Credit Losses | $11.18M | $9.68M | $4.70M | $4.53M | $3.49M | - | - | - | - | - |
| Depreciation & Amortization | - | $1.22M | $880.00K | $707.00K | - | - | - | - | - | - |
| Deferred Taxes | - | $20.00K | $-1.10M | $-2.55M | $-1.33M | $653.00K | $-955.00K | $-116.00K | $-370.00K | $1.05M |
| Operating Cash Flow | $101.95M | $59.84M | $42.21M | $42.40M | $38.80M | $30.08M | $15.59M | $14.89M | $9.43M | $3.98M |
| Purchases of Securities | - | $47.60M | $157.86M | $22.82M | $1.74M | $86.83M | $37.98M | $28.20M | $42.48M | $58.50M |
| Sales of Securities | - | - | - | - | - | - | - | - | - | - |
| Maturities of Securities | $78.89M | $50.26M | $36.45M | $12.25M | $20.76M | $52.16M | $67.09M | $31.07M | $23.41M | $21.52M |
| Capital Expenditures | $6.63M | $3.16M | $714.00K | $605.00K | $73.00K | $1.00M | $750.00K | $647.00K | $569.00K | $190.00K |
| Investing Cash Flow | $-503.10M | $-362.09M | $-308.27M | $-215.40M | $-221.50M | $-170.49M | $-135.44M | $-95.90M | $-142.06M | $-108.79M |
| Net Change in Deposits | $606.75M | $420.77M | $234.94M | $179.06M | $199.83M | $224.35M | $123.43M | $112.20M | $119.93M | - |
| Common Stock Repurchased | - | - | - | $286.00K | - | - | $567.00K | - | - | - |
| Dividends Paid | $10.06M | $5.86M | $4.85M | $3.72M | $2.15M | - | - | - | - | - |
| Financing Cash Flow | $594.07M | $411.81M | $227.17M | $174.09M | $197.67M | $224.38M | $123.23M | $112.25M | $120.12M | $104.90M |
| Net Change in Cash | - | - | - | - | - | - | - | - | $-12.52M | $84.00K |
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 | $4.79M | $3.27M | $12.98M | $9.55M |
| Income Before Tax | $17.46M | $15.56M | $48.22M | $43.61M |
| Income Tax Expense | $3.40M | $4.20M | $10.86M | $11.71M |
| Net Income | $14.06M | $11.36M | $37.35M | $31.91M |
| Basic EPS | 1.74 | 1.45 | 4.65 | 4.09 |
| Diluted EPS | 1.62 | 1.34 | 4.32 | 3.78 |
Condensed Consolidated Balance Sheets
| Description | Sep 30, 2025 | Dec 31, 2024 |
|---|---|---|
| Cash & Cash Equivalents | $240.76M | $126.33M |
| Property Plant & Equipment | $4.41M | $2.44M |
| Total Assets | $2.18B | $1.89B |
| Total Liabilities | $1.91B | $1.66B |
| Common Stock | $87.00K | $85.00K |
| Retained Earnings | $185.82M | $152.93M |
| Total Stockholders Equity | $279.23M | $237.09M |
| Total Liabilities & Equity | $2.18B | $1.89B |
Condensed Consolidated Statements of Cash Flows
| Description | Sep 30, 2025 | Sep 30, 2025 | ||
|---|---|---|---|---|
| Current | Prior Year | Current YTD | Prior Year YTD | |
| Net Income | $14.06M | $11.36M | $37.35M | $31.91M |
| Operating Cash Flow | - | - | $43.05M | $30.53M |
| Capital Expenditure | - | - | $2.82M | $630.00K |
| Sales of Investments | - | - | $30.71M | $17.18M |
| Investing Cash Flow | - | - | $-162.47M | $-173.70M |
| Dividends Paid | - | - | $4.22M | $3.53M |
| Financing Cash Flow | - | - | $233.85M | $125.63M |
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.