$205.88M
Net Interest Income
$36.09M
Net Income
78.2%
Efficiency Ratio
1.97%
Net Int. Margin
3.4%
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) |
|---|---|---|---|---|---|---|---|---|---|
| Interest Income | $470.95M | $470.95M | $451.43M | $394.98M | $309.67M | $270.15M | $295.71M | $261.08M | $226.29M |
| Interest Expense | $249.32M | $249.32M | $273.44M | $189.10M | $42.89M | $37.02M | $74.14M | $88.71M | $62.26M |
| Net Interest Income | $221.63M | $221.63M | $177.98M | $205.88M | $266.78M | $233.13M | $221.57M | $172.37M | $164.03M |
| Provision for Credit Losses | $9.82M | $9.82M | $14.45M | $4.79M | $5.49M | $-9.95M | $18.45M | $4.22M | $6.68M |
| Net Interest Income After Provision | $211.81M | $211.81M | $163.53M | $201.09M | $261.29M | $243.09M | $203.13M | $168.15M | $157.36M |
| Non-Interest Income | $37.07M | $37.07M | $1.89M | $27.38M | $30.40M | $38.83M | $31.27M | $31.64M | $21.69M |
| Non-Interest Expense | $180.89M | $180.89M | $181.34M | $182.42M | $174.82M | $155.74M | $158.14M | $128.70M | $145.39M |
| Compensation & Benefits | $119.15M | $119.15M | $109.49M | $120.85M | $116.93M | $99.53M | $100.69M | $84.26M | $69.91M |
| Occupancy Expense | $24.48M | $24.48M | $23.48M | $22.93M | $22.59M | $20.07M | $19.17M | $16.18M | $14.55M |
| Technology & Equipment | $17.13M | $17.13M | $15.58M | $15.04M | $13.36M | $11.50M | $3.34M | $3.00M | $2.60M |
| Professional Fees | $10.76M | $10.76M | $14.16M | $9.82M | $8.16M | $7.36M | $5.81M | $5.91M | $1.43M |
| Other Non-Interest Expense | - | - | $3.42M | $1.43M | $5.51M | $8.87M | $21.50M | $11.77M | $16.10M |
| Income Before Tax | $67.99M | $67.99M | $-15.91M | $46.05M | $116.88M | $126.18M | $76.26M | $71.08M | - |
| Income Tax Expense | $16.22M | $16.22M | $-4.26M | $9.96M | $30.70M | $34.13M | $18.65M | $16.36M | $10.92M |
| Net Income | $51.77M | $51.77M | $-11.65M | $36.09M | $86.17M | $92.05M | $57.60M | $54.72M | $22.74M |
| Basic EPS | nan | 0.51 | -0.11 | 0.35 | 0.82 | 0.88 | 0.52 | 0.49 | nan |
| Diluted EPS | nan | 0.51 | -0.11 | 0.35 | 0.81 | 0.88 | 0.52 | 0.49 | nan |
| 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) |
|---|---|---|---|---|---|---|---|---|
| Cash & Due from Banks | $340.69M | $289.11M | $423.14M | $179.10M | $70.70M | $422.79M | $75.42M | $42.06M |
| Interest-Bearing Deposits | $111.00K | $110.00K | $109.00K | $131.00K | $261.00K | $170.00K | $127.00K | $136.00K |
| Investment Securities - AFS | $1.12B | $1.03B | $1.09B | $1.33B | $1.70B | $1.32B | $1.10B | $1.03B |
| Investment Securities - HTM | - | - | - | $421.52M | $429.73M | $262.72M | $285.76M | $262.14M |
| Loans & Leases (Gross) | $8.29B | $7.92B | $7.87B | $7.68B | $6.36B | $6.18B | $6.20B | $4.98B |
| Allowance for Loan Losses | - | - | - | - | - | $74.68M | $61.71M | $62.34M |
| Loans & Leases (Net) | $8.22B | $7.86B | $7.82B | $7.62B | $6.30B | $6.11B | $6.14B | $4.92B |
| Goodwill & Intangibles | $110.72M | $110.72M | - | - | - | - | - | - |
| Premises & Equipment | $82.98M | $81.77M | $83.58M | $83.88M | $78.71M | $75.97M | $72.97M | $52.05M |
| Other Assets | $335.65M | $324.05M | $308.43M | $284.75M | $249.62M | $209.85M | $145.71M | $107.05M |
| Total Assets | $11.02B | $10.48B | $10.65B | $10.41B | $9.22B | $8.80B | $8.19B | $6.69B |
| Total Deposits | $8.44B | $8.10B | $7.85B | $8.00B | $7.57B | $6.78B | $5.65B | $4.41B |
| Long-term Debt | $1.18B | $1.08B | $1.53B | $1.13B | $377.31M | $799.36M | $1.41B | $1.19B |
| Total Liabilities | $9.86B | $9.40B | $9.61B | $9.35B | $8.15B | $7.79B | $7.21B | $5.72B |
| Common Stock | $1.32M | $1.31M | $1.31M | $1.31M | $1.25M | $1.22M | $1.17M | $1.16M |
| Retained Earnings | $933.72M | $881.95M | $893.60M | $857.52M | $765.13M | $673.08M | $615.48M | $560.22M |
| Treasury Stock | $476.13M | $460.98M | $454.13M | $371.71M | $271.65M | $163.01M | $54.95M | - |
| AOCI | $-75.97M | $-110.37M | $-158.74M | $-179.30M | $-45.92M | $-69.62M | $-68.73M | $-71.90M |
| Total Stockholders Equity | $1.16B | $1.08B | $1.04B | $1.05B | $1.08B | $1.01B | $982.52M | $972.06M |
| Total Liabilities & Equity | $11.02B | $10.48B | $10.65B | $10.41B | $9.22B | $8.80B | $8.19B | $6.69B |
| 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) |
|---|---|---|---|---|---|---|---|---|---|
| Net Income | $60.67M | $51.77M | $-11.65M | $36.09M | $86.17M | $92.05M | $57.60M | $54.72M | $22.74M |
| Provision for Credit Losses | $12.76M | $9.82M | $14.45M | $4.79M | $5.49M | $-9.95M | $18.45M | - | - |
| Depreciation & Amortization | - | $8.60M | $8.20M | $7.80M | - | - | - | - | - |
| Deferred Taxes | - | $14.15M | $-5.99M | $3.38M | $12.77M | $17.71M | $9.74M | $7.53M | $-5.49M |
| Stock-based Compensation | $8.33M | $4.74M | $6.50M | $7.98M | $7.44M | $8.88M | $8.79M | $3.69M | - |
| Net Change in Loans HFS | - | - | - | - | - | - | - | - | - |
| Operating Cash Flow | $79.88M | $68.40M | $33.32M | $40.72M | $142.16M | $98.70M | $47.89M | $123.77M | $56.59M |
| Purchases of Securities | $455.73M | $272.14M | $404.74M | $124.62M | $147.18M | $667.01M | $292.81M | $176.17M | $413.80M |
| Sales of Securities | $15.66M | $15.66M | $321.23M | $277.02M | $126.77M | $90.34M | $20.76M | $65.20M | $11.51M |
| Maturities of Securities | $346.75M | $214.06M | $157.53M | $100.86M | $281.96M | $368.25M | $247.91M | $149.68M | $69.98M |
| Capital Expenditures | $17.36M | $9.84M | $7.45M | $7.63M | $7.20M | $5.49M | $4.62M | $19.34M | $13.27M |
| Acquisitions | - | - | - | - | - | $-20.42M | $-155.25M | $31.29M | - |
| Investing Cash Flow | $-902.44M | $-454.16M | $39.47M | $39.65M | $-614.73M | $-443.61M | $257.64M | $-622.96M | $-943.00K |
| Net Change in Deposits | $486.05M | $347.93M | $249.59M | $-154.60M | $-71.79M | $581.48M | $799.55M | $449.27M | $150.56M |
| Net Change in Short-term Borrowings | $220.92M | $31.96M | $-237.82M | $-93.17M | $446.81M | $-244.03M | $-374.85M | $225.08M | $299.80M |
| Long-term Debt Issued | $325.33M | $175.33M | $271.20M | $536.11M | $335.89M | $37.12M | $90.00M | $140.00M | $220.98M |
| Long-term Debt Repaid | - | - | - | - | - | - | $343.94M | $230.00M | $210.00M |
| Common Stock Repurchased | $13.35M | $13.35M | $5.89M | $80.50M | $94.00M | $107.77M | $108.17M | $55.31M | - |
| Financing Cash Flow | $800.02M | $437.35M | $-206.81M | $163.66M | $580.83M | $-7.09M | $41.88M | $532.54M | $863.26M |
| Net Change in Cash | $-22.55M | $51.58M | $-134.03M | $244.02M | $108.27M | $-351.99M | $347.41M | $33.35M | $-23.30M |
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-K filings.
Annual data represents full fiscal year results. FY = Fiscal Year ending.