$3.81B
Net Interest Income
$872.00M
Net Income
39.5%
Efficiency Ratio
14.70%
Net Int. Margin
27.3%
ROE
| Breakdown | TTM (Sep 30, 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) |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Interest Income | $5.36B | $4.99B | $4.56B | $4.43B | $4.36B | $4.37B | $4.13B | $3.66B | $3.20B | $3.11B | $1.93B | $1.98B |
| Net Interest Income | $4.10B | $3.81B | $3.54B | $3.54B | $3.43B | $3.34B | $3.16B | $2.78B | $2.38B | $2.25B | $1.22B | $1.25B |
| Provision for Credit Losses | $1.98B | $2.04B | $1.72B | $1.40B | $593.00M | $1.32B | $1.13B | $1.05B | $955.00M | $932.00M | $759.00M | $474.15M |
| Net Interest Income After Provision | $2.12B | $1.77B | $1.82B | $2.14B | $2.83B | $2.02B | $2.03B | $1.74B | $1.43B | $1.32B | $457.00M | $773.61M |
| Non-Interest Income | $686.00M | $695.00M | $735.00M | $629.00M | $531.00M | $526.00M | $622.00M | $574.00M | $560.00M | $773.00M | $261.00M | $832.33M |
| Other Non-Interest Income | $174.00M | $153.00M | $119.00M | $87.00M | $110.00M | $47.00M | $99.00M | $70.00M | $96.00M | $70.00M | $-2.00M | $-18.37M |
| Non-Interest Expense | $1.89B | $1.80B | $1.72B | $1.61B | $1.62B | $1.57B | $1.55B | $1.69B | $1.55B | $1.74B | $987.00M | $701.44M |
| Compensation & Benefits | $912.00M | $879.00M | $855.00M | $836.00M | $839.00M | $756.00M | $808.00M | $903.00M | $757.00M | $788.00M | $485.00M | $359.82M |
| Other Non-Interest Expense | $780.00M | $728.00M | $675.00M | $621.00M | $609.00M | $573.00M | $559.00M | $536.00M | $544.00M | $676.00M | $344.00M | $265.99M |
| Income Before Tax | $916.00M | $667.00M | $840.00M | $1.16B | $1.74B | $977.00M | $1.10B | - | - | - | - | - |
| Income Tax Expense | $211.00M | $158.00M | $199.00M | $285.00M | $427.00M | $247.00M | $243.00M | $177.00M | $248.00M | $113.00M | $-147.00M | $297.05M |
| Net Income | $705.00M | $509.00M | $641.00M | $878.00M | $1.31B | $730.00M | $855.00M | $447.00M | $183.00M | $215.00M | $-220.00M | $463.00M |
| Basic EPS | 5.92 | 4.26 | 5.33 | 7.07 | 9.90 | 5.42 | 6.28 | 3.29 | 1.35 | 1.60 | -1.89 | 4.40 |
| Diluted EPS | 5.91 | 4.24 | 5.32 | 7.06 | 9.87 | 5.41 | 6.27 | 3.29 | 1.35 | 1.59 | -1.89 | 4.38 |
| Breakdown | 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) |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Cash & Due from Banks | $458.00M | $1.01B | $498.00M | $541.00M | $2.27B | $1.23B | $679.00M | $987.00M | $579.00M | $939.00M | $878.83M |
| Trading Assets | $68.00M | - | - | - | - | - | - | - | - | - | - |
| Investment Securities - AFS | $1.54B | $1.65B | $1.73B | $1.91B | $1.85B | $1.80B | - | - | - | - | - |
| Total Investment Securities | $1.61B | $1.72B | $1.80B | $1.99B | $1.92B | $1.88B | $1.69B | $1.70B | $1.76B | $1.87B | $2.93B |
| Allowance for Loan Losses | $2.71B | $2.48B | $2.31B | $2.10B | $2.27B | $829.00M | $731.00M | $697.00M | - | - | - |
| Loans & Leases (Net) | - | - | - | - | - | $16.77B | $14.77B | $13.67B | $12.46B | $14.14B | $6.31B |
| Goodwill & Intangibles | $1.47B | $1.44B | $1.44B | $1.44B | $1.42B | $1.42B | $1.42B | $1.42B | $1.42B | $1.44B | - |
| Other Assets | $1.32B | $1.23B | $1.15B | $1.00B | $1.05B | $705.00M | $534.00M | $587.00M | $688.00M | $638.00M | $513.69M |
| Total Assets | $25.91B | $24.29B | $22.53B | $22.08B | $22.47B | $22.82B | $20.09B | $19.43B | $18.12B | $21.06B | $11.06B |
| Long-term Debt | $21.44B | $19.81B | $18.28B | $17.75B | $17.80B | $17.21B | $15.18B | $15.05B | $13.96B | $17.30B | $8.38B |
| Other Liabilities | $686.00M | $671.00M | $616.00M | $614.00M | $564.00M | $592.00M | $383.00M | $323.00M | $332.00M | $384.00M | $238.28M |
| Total Liabilities | $22.72B | $21.11B | $19.50B | $18.99B | $19.03B | $18.49B | $16.29B | $16.16B | $15.06B | $18.45B | $9.22B |
| Common Stock | - | - | - | $1.00M | $1.00M | $1.00M | $1.00M | $1.00M | $1.00M | $1.00M | $1.15M |
| Retained Earnings | $2.30B | $2.29B | $2.12B | $1.73B | $1.69B | $2.60B | $2.15B | $1.71B | $1.52B | $1.25B | $1.49B |
| Treasury Stock | $759.00M | $728.00M | $667.00M | $368.00M | - | - | - | - | - | - | - |
| AOCI | $-81.00M | $-87.00M | $-119.00M | $61.00M | $94.00M | $44.00M | $-34.00M | $11.00M | $-6.00M | $-33.00M | $3.23M |
| Total Stockholders Equity | $3.19B | $3.19B | $3.03B | $3.09B | $3.44B | $4.33B | $3.80B | $3.28B | $3.07B | $2.75B | $2.03B |
| Total Liabilities & Equity | $25.91B | $24.29B | $22.53B | $22.08B | $22.47B | $22.82B | $20.09B | $19.43B | $18.12B | $21.06B | $11.06B |
| Breakdown | TTM (Sep 30, 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) |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net Income | $918.00M | $509.00M | $641.00M | $878.00M | $1.31B | $730.00M | $855.00M | $447.00M | $183.00M | $215.00M | $-220.00M | $463.00M |
| Provision for Credit Losses | - | - | - | - | - | - | $1.13B | $1.05B | $955.00M | $932.00M | $759.00M | $474.15M |
| Depreciation & Amortization | $496.00M | $277.00M | $257.00M | $262.00M | $264.00M | $264.00M | $271.00M | $289.00M | $328.00M | $521.00M | $191.00M | $34.67M |
| Deferred Taxes | $21.00M | $-42.00M | $-36.00M | $-62.00M | $78.00M | $-42.00M | $1.00M | $23.00M | $30.00M | $-97.00M | $-212.00M | $20.11M |
| Stock-based Compensation | $66.00M | $30.00M | $36.00M | $31.00M | $23.00M | $17.00M | $13.00M | $21.00M | $17.00M | $22.00M | $15.00M | $5.74M |
| Other Operating Adjustments | - | - | - | - | - | - | - | - | - | $2.00M | $1.00M | $978.00K |
| Operating Cash Flow | $5.12B | $2.70B | $2.52B | $2.39B | $2.25B | $2.21B | $2.36B | $2.05B | $1.55B | $1.33B | $735.00M | $381.00M |
| Purchases of Securities | $678.00M | $272.00M | $179.00M | $530.00M | $517.00M | $456.00M | $718.00M | $680.00M | $671.00M | $746.00M | - | - |
| Net Change in Loans | - | - | - | - | - | - | - | - | $2.27B | $1.20B | $1.04B | $-215.00M |
| Acquisitions | - | $64.00M | - | - | - | - | - | - | - | - | - | - |
| Investing Cash Flow | $-5.06B | $-3.27B | $-2.86B | $-2.12B | $-2.14B | $-751.00M | $-3.43B | $-2.40B | $-2.19B | $-2.00M | $-2.64B | $1.84B |
| Long-term Debt Repaid | $11.36B | $3.69B | $3.33B | $5.15B | $3.92B | $6.79B | $3.96B | $5.47B | $4.45B | $8.32B | $1.96B | $4.69B |
| Common Stock Repurchased | $126.00M | $35.00M | $65.00M | $303.00M | $368.00M | $45.00M | - | - | - | - | - | - |
| Dividends Paid | $878.00M | $498.00M | $487.00M | $480.00M | $1.27B | $806.00M | $408.00M | - | - | - | - | - |
| Financing Cash Flow | $660.00M | $161.00M | $932.00M | $-326.00M | $-1.81B | $-370.00M | $1.52B | $44.00M | $975.00M | $-1.69B | $1.96B | $-1.77B |
| Net Change in Cash | $726.00M | $-406.00M | $589.00M | $-58.00M | $-1.71B | $1.09B | $454.00M | $-307.00M | $338.00M | $-468.00M | $518.00M | - |
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 | |
| Income Before Tax | $263.00M | $207.00M | $752.00M | $503.00M |
| Income Tax Expense | $64.00M | $50.00M | $173.00M | $120.00M |
| Net Income | $199.00M | $157.00M | $579.00M | $383.00M |
| Basic EPS | 1.67 | 1.32 | 4.86 | 3.20 |
| Diluted EPS | 1.67 | 1.31 | 4.84 | 3.18 |
| Basic Shares Outstanding | $118.76M | $119.67M | $119.04M | $119.76M |
| Diluted Shares Outstanding | $119.42M | $120.12M | $119.59M | $120.18M |
Condensed Consolidated Balance Sheets
| Description | Sep 30, 2025 | Dec 31, 2024 |
|---|---|---|
| Cash & Cash Equivalents | $658.00M | $458.00M |
| Goodwill | $1.47B | $1.47B |
| Intangible Assets | $284.00M | $286.00M |
| Total Assets | $26.98B | $25.91B |
| Long-term Debt | $22.34B | $21.44B |
| Total Liabilities | $23.61B | $22.72B |
| Retained Earnings | $2.50B | $2.30B |
| Treasury Stock | $826.00M | $759.00M |
| Total Stockholders Equity | $3.38B | $3.19B |
| Total Liabilities & Equity | $26.98B | $25.91B |
Condensed Consolidated Statements of Cash Flows
| Description | Sep 30, 2025 | Sep 30, 2025 | ||
|---|---|---|---|---|
| Current | Prior Year | Current YTD | Prior Year YTD | |
| Net Income | $199.00M | $157.00M | $579.00M | $383.00M |
| Depreciation & Amortization | - | - | $214.00M | $207.00M |
| Stock-based Compensation | - | - | $28.00M | $23.00M |
| Deferred Income Tax | - | - | $10.00M | $-43.00M |
| Change in Working Capital | - | - | $30.00M | $134.00M |
| Operating Cash Flow | - | - | $2.27B | $1.95B |
| Acquisitions | - | - | - | $64.00M |
| Investing Cash Flow | - | - | $-2.35B | $-2.24B |
| Debt Repayment | - | - | $5.49B | $2.76B |
| Stock Repurchased | - | - | $70.00M | $32.00M |
| Dividends Paid | - | - | $376.00M | $373.00M |
| Financing Cash Flow | - | - | $351.00M | $13.00M |
| Net Change in Cash | - | - | $264.00M | $-278.00M |
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.