$205.88M
Net Interest Income
$36.09M
Net Income
78.2%
Efficiency Ratio
1.97%
Net Int. Margin
3.4%
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) |
|---|---|---|---|---|---|---|---|
| Interest Income | $121.88M | $120.42M | $116.49M | $112.16M | $113.63M | $115.89M | $113.29M |
| Interest Expense | $61.66M | $63.03M | $62.79M | $61.84M | $67.20M | $70.61M | $69.21M |
| Net Interest Income | $60.22M | $57.39M | $53.70M | $50.33M | $46.43M | $45.27M | $44.08M |
| Provision for Credit Losses | $2.08M | $2.34M | $2.47M | $2.93M | $2.88M | $4.10M | $2.19M |
| Net Interest Income After Provision | $58.14M | $55.04M | $51.23M | $47.39M | $43.55M | $41.17M | $41.89M |
| Non-Interest Income | $8.56M | $9.87M | $10.17M | $8.47M | $-23.72M | $8.98M | $9.18M |
| Non-Interest Expense | $47.05M | $45.09M | $44.91M | $43.84M | $46.60M | $42.83M | $46.25M |
| Compensation & Benefits | $32.39M | $29.25M | $28.93M | $28.58M | $26.58M | $27.74M | $27.66M |
| Occupancy Expense | $6.27M | $6.05M | $5.97M | $6.18M | $5.86M | $5.59M | $6.05M |
| Technology & Equipment | $4.51M | $4.46M | $4.10M | $4.06M | $3.57M | $4.12M | $3.91M |
| Professional Fees | $2.13M | $2.59M | $3.52M | $2.52M | $2.57M | $2.45M | $4.51M |
| Other Non-Interest Expense | - | $441.00K | $81.00K | $90.00K | $1.36M | - | - |
| Income Before Tax | $19.65M | $19.82M | $16.50M | $12.02M | $-26.76M | $7.32M | $4.82M |
| Income Tax Expense | $3.95M | $4.96M | $4.20M | $3.12M | $-5.54M | $1.13M | $279.00K |
| Net Income | $15.69M | $14.87M | $12.30M | $8.90M | $-21.22M | $6.18M | $4.54M |
| Basic EPS | nan | 0.15 | 0.12 | 0.09 | -0.20 | 0.06 | 0.04 |
| Diluted EPS | nan | 0.15 | 0.12 | 0.09 | -0.20 | 0.06 | 0.04 |
| 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) |
|---|---|---|---|---|---|---|---|
| Cash & Due from Banks | $340.69M | $253.29M | $248.11M | $255.98M | $289.11M | $283.39M | $391.00M |
| Interest-Bearing Deposits | $111.00K | $111.00K | $111.00K | $111.00K | $110.00K | $110.00K | $110.00K |
| Investment Securities - AFS | $1.12B | $1.08B | $1.06B | $1.08B | $1.03B | $1.27B | $1.26B |
| Loans & Leases (Gross) | $8.29B | $8.27B | $8.18B | $8.03B | $7.92B | $7.86B | $7.82B |
| Loans & Leases (Net) | $8.22B | $8.21B | $8.11B | $7.97B | $7.86B | $7.80B | $7.76B |
| Goodwill & Intangibles | $110.72M | - | - | - | $110.72M | - | - |
| Premises & Equipment | $82.98M | $82.81M | $82.18M | $82.59M | $81.77M | $82.25M | $82.55M |
| Other Assets | $335.65M | $312.93M | $322.65M | $316.49M | $324.05M | $329.74M | $324.36M |
| Total Assets | $11.02B | $10.86B | $10.74B | $10.61B | $10.48B | $10.69B | $10.76B |
| Total Deposits | $8.44B | $8.24B | $8.14B | $8.19B | $8.10B | $7.96B | $7.78B |
| Long-term Debt | $1.18B | $1.26B | $1.27B | $1.11B | $1.08B | $1.42B | $1.68B |
| Total Liabilities | $9.86B | $9.71B | $9.62B | $9.51B | $9.40B | $9.61B | $9.72B |
| Common Stock | $1.32M | $1.32M | $1.32M | $1.32M | $1.31M | $1.31M | $1.31M |
| Retained Earnings | $933.72M | $918.02M | $903.16M | $890.85M | $881.95M | $903.17M | $896.99M |
| Treasury Stock | $476.13M | $464.45M | $461.59M | $461.54M | $460.98M | $460.83M | $460.29M |
| AOCI | $-75.97M | $-88.88M | $-95.10M | $-101.05M | $-110.37M | $-130.99M | $-155.48M |
| Total Stockholders Equity | $1.16B | $1.14B | $1.12B | $1.10B | $1.08B | $1.08B | $1.05B |
| Total Liabilities & Equity | $11.02B | $10.86B | $10.74B | $10.61B | $10.48B | $10.69B | $10.76B |
| 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) |
|---|---|---|---|---|---|---|---|
| Net Income | $15.69M | $14.87M | $21.20M | $8.90M | $-21.22M | $6.18M | $3.38M |
| Provision for Credit Losses | $2.08M | $2.34M | $5.40M | $2.93M | $2.88M | $4.10M | $2.19M |
| Deferred Taxes | $19.20M | $-5.05M | $-5.82M | - | $-7.67M | $1.69M | $1.69M |
| Stock-based Compensation | $1.15M | $3.59M | $2.46M | $1.13M | $986.00K | $5.51M | $4.27M |
| Operating Cash Flow | $24.38M | $44.02M | $13.06M | $-1.58M | $28.90M | $4.42M | $32.71M |
| Purchases of Securities | $92.56M | $179.58M | $118.77M | $64.83M | $137.86M | $266.88M | $246.24M |
| Sales of Securities | - | - | $15.66M | - | $317.74M | $3.50M | $3.50M |
| Maturities of Securities | $57.36M | $156.70M | $102.85M | $29.84M | $39.76M | $117.78M | $62.99M |
| Capital Expenditures | $2.38M | $7.46M | $4.62M | $2.90M | $1.62M | $5.83M | $3.05M |
| Investing Cash Flow | $-51.43M | $-402.73M | $-289.26M | $-159.02M | $179.73M | $-140.26M | $-153.24M |
| Net Change in Deposits | $203.76M | $144.17M | $39.33M | $98.79M | $138.09M | $111.50M | $-65.01M |
| Net Change in Short-term Borrowings | $-75.01M | $106.97M | $121.98M | $66.99M | $-70.02M | $-167.81M | $15.20M |
| Long-term Debt Issued | $20.00M | $155.33M | $130.00M | $20.00M | $36.00M | $235.21M | $210.00M |
| Common Stock Repurchased | $10.51M | $2.84M | - | - | - | $5.89M | $5.89M |
| Financing Cash Flow | $114.46M | $322.89M | $235.21M | $127.47M | $-202.91M | $-3.91M | $88.39M |
| Net Change in Cash | $87.40M | $-35.82M | $-41.00M | $-33.13M | $5.72M | $-139.75M | $-32.13M |
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 | $63.03M | - | $187.58M | - |
| Income Before Tax | $19.82M | - | $48.34M | - |
| Income Tax Expense | $4.96M | - | $12.27M | - |
| Net Income | $14.87M | - | $36.07M | - |
| Basic EPS | 0.15 | - | 0.35 | - |
| Diluted EPS | 0.15 | - | 0.35 | - |
| Basic Shares Outstanding | $102.03M | - | $101.94M | - |
| Diluted Shares Outstanding | $102.03M | - | $101.94M | - |
Condensed Consolidated Balance Sheets
| Description | Sep 30, 2025 | Dec 31, 2024 |
|---|---|---|
| Cash & Cash Equivalents | $253.40M | $289.22M |
| Property Plant & Equipment | $82.81M | $81.77M |
| Total Assets | $10.86B | $10.48B |
| Long-term Debt | $1.26B | $1.08B |
| Total Liabilities | $9.71B | $9.40B |
| Common Stock | $1.32M | $1.31M |
| Retained Earnings | $918.02M | $881.95M |
| Treasury Stock | $464.45M | $460.98M |
| Total Stockholders Equity | $1.14B | $1.08B |
| Total Liabilities & Equity | $10.86B | $10.48B |
Condensed Consolidated Statements of Cash Flows
| Description | Sep 30, 2025 | Sep 30, 2025 | ||
|---|---|---|---|---|
| Current | Prior Year | Current YTD | Prior Year YTD | |
| Net Income | $14.87M | - | $36.07M | - |
| Stock-based Compensation | - | - | $3.59M | - |
| Deferred Income Tax | - | - | $-5.05M | - |
| Operating Cash Flow | - | - | $44.02M | - |
| Capital Expenditure | - | - | $7.46M | - |
| Sales of Investments | - | - | $156.70M | - |
| Investing Cash Flow | - | - | $-402.73M | - |
| Stock Repurchased | - | - | $2.84M | - |
| Financing Cash Flow | - | - | $322.89M | - |
| Net Change in Cash | - | - | $-35.82M | - |
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.