$139.53M
Net Interest Income
$33.40M
Net Income
67.6%
Efficiency Ratio
2.82%
Net Int. Margin
8.7%
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) |
|---|---|---|---|---|---|---|
| Interest Income | $354.03M | $354.03M | $328.36M | $266.54M | $153.95M | $100.61M |
| Interest Expense | $158.81M | $158.81M | $167.60M | $127.02M | $37.49M | $10.06M |
| Net Interest Income | $195.22M | $195.22M | $160.76M | $139.53M | $116.45M | $90.55M |
| Provision for Credit Losses | $7.59M | $7.59M | $5.70M | $6.32M | $12.20M | $9.92M |
| Net Interest Income After Provision | $187.63M | $187.63M | $155.06M | $133.21M | $104.25M | $80.63M |
| Non-Interest Income | $13.65M | $13.65M | $10.62M | $8.21M | $7.22M | $4.88M |
| Other Non-Interest Income | $413.00K | $413.00K | $1.18M | $1.19M | $988.00K | $1.93M |
| Non-Interest Expense | $118.54M | $118.54M | $104.33M | $99.80M | $88.31M | $71.03M |
| Compensation & Benefits | $77.19M | $77.19M | $65.12M | $62.22M | $56.51M | $48.64M |
| Occupancy Expense | $11.77M | $11.32M | $12.71M | $11.29M | $8.53M | $5.37M |
| Marketing Expense | $2.14M | $2.14M | $1.71M | $2.63M | $1.91M | $1.89M |
| Other Non-Interest Expense | $4.76M | $4.76M | $4.72M | $5.00M | $4.12M | $1.92M |
| Income Before Tax | $82.75M | $82.75M | $61.35M | $41.61M | $23.17M | $14.48M |
| Income Tax Expense | $16.45M | $16.45M | $13.68M | $8.21M | $4.51M | $3.06M |
| Net Income | $66.29M | $66.29M | $47.67M | $33.40M | $18.66M | $11.42M |
| Basic EPS | nan | 4.45 | 3.14 | 2.11 | 1.28 | 1.45 |
| Diluted EPS | nan | 3.79 | 2.78 | 1.98 | 1.25 | 1.40 |
| 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) |
|---|---|---|---|---|---|
| Cash & Due from Banks | $175.20M | $371.16M | $296.93M | $329.86M | $326.73M |
| Interest-Bearing Deposits | $267.00K | $356.00K | - | - | $131.00K |
| Investment Securities - AFS | $383.19M | $384.02M | $178.09M | $176.07M | $26.43M |
| Investment Securities - HTM | $192.01M | - | - | - | - |
| Allowance for Loan Losses | $43.95M | $40.30M | $37.02M | $30.35M | $19.30M |
| Loans & Leases (Net) | - | - | $3.60B | $3.08B | $2.05B |
| Goodwill & Intangibles | - | - | $18.03M | $18.03M | $18.03M |
| Premises & Equipment | $24.79M | $26.23M | $28.55M | $28.66M | $19.05M |
| Other Assets | $33.33M | $17.74M | $12.30M | $12.15M | $7.94M |
| Total Assets | $5.34B | $4.94B | $4.40B | $3.77B | $2.50B |
| Total Deposits | $4.63B | $4.31B | $3.80B | $3.24B | $2.14B |
| Other Liabilities | $36.77M | $23.75M | $23.76M | $14.02M | $7.77M |
| Total Liabilities | $4.81B | $4.48B | $3.98B | $3.39B | $2.20B |
| Common Stock | $13.97M | $13.85M | $13.68M | $13.61M | $13.48M |
| Retained Earnings | $183.24M | $121.70M | $78.78M | $53.27M | $36.03M |
| Treasury Stock | $1.10M | $1.10M | $1.10M | $1.10M | $1.10M |
| AOCI | $10.92M | $4.51M | $933.00K | $-2.10M | $1.39M |
| Total Stockholders Equity | $531.03M | $460.72M | $411.97M | $381.78M | $299.01M |
| Total Liabilities & Equity | $5.34B | $4.94B | $4.40B | $3.77B | $2.50B |
| 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) |
|---|---|---|---|---|---|---|
| Net Income | $66.29M | $66.29M | $47.67M | $33.40M | $18.66M | $11.42M |
| Provision for Credit Losses | $8.04M | $7.59M | $5.70M | $6.32M | $12.20M | $9.92M |
| Depreciation & Amortization | $8.32M | $4.75M | $4.62M | $3.95M | $2.56M | - |
| Stock-based Compensation | $2.68M | $1.61M | $1.70M | $1.63M | $1.27M | $659.00K |
| Operating Cash Flow | $85.67M | $50.84M | $35.14M | $39.08M | $21.79M | $4.58M |
| Purchases of Securities | $5.32B | $5.23B | $4.28B | $3.12B | $2.16B | $2.00B |
| Sales of Securities | $141.05M | $74.00M | $36.00M | $13.94M | - | - |
| Maturities of Securities | $5.21B | $5.17B | $4.04B | $3.10B | $2.00B | $2.00B |
| Net Change in Loans | $565.48M | $422.54M | $322.25M | $527.60M | $1.03B | $493.60M |
| Capital Expenditures | - | - | $1.77M | $3.44M | $12.19M | $5.62M |
| Investing Cash Flow | $-945.06M | $-610.20M | $-520.93M | $-529.53M | $-1.24B | $-500.06M |
| Preferred Stock Issued | - | - | - | - | $66.22M | - |
| Financing Cash Flow | $225.34M | $319.39M | $495.15M | $570.29M | $1.22B | $618.94M |
| Net Change in Cash | $-634.05M | $-239.97M | $9.36M | $79.83M | $4.99M | $123.47M |
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 | $41.65M | $42.34M | $118.04M | $123.01M |
| Income Before Tax | $22.83M | $16.26M | $61.22M | $43.43M |
| Income Tax Expense | $4.77M | $3.49M | $12.83M | $9.49M |
| Net Income | $18.06M | $12.78M | $48.39M | $33.94M |
| Basic EPS | 1.22 | 0.85 | 3.24 | 2.23 |
| Diluted EPS | 1.03 | 0.74 | 2.77 | 1.99 |
Condensed Consolidated Balance Sheets
| Description | Sep 30, 2025 | Dec 31, 2024 |
|---|---|---|
| Cash & Cash Equivalents | $116.38M | $371.16M |
| Property Plant & Equipment | $24.72M | $26.23M |
| Total Assets | $5.06B | $4.94B |
| Total Liabilities | $4.55B | $4.48B |
| Common Stock | $13.96M | $13.85M |
| Retained Earnings | $166.54M | $121.70M |
| Treasury Stock | $1.10M | $1.10M |
| Total Stockholders Equity | $513.83M | $460.72M |
| Total Liabilities & Equity | $5.06B | $4.94B |
Condensed Consolidated Statements of Cash Flows
| Description | Sep 30, 2025 | Sep 30, 2025 | ||
|---|---|---|---|---|
| Current | Prior Year | Current YTD | Prior Year YTD | |
| Net Income | $18.06M | $12.78M | $48.39M | $33.94M |
| Depreciation & Amortization | - | - | $3.56M | $3.41M |
| Stock-based Compensation | - | - | $1.16M | $1.24M |
| Operating Cash Flow | - | - | $45.10M | $38.76M |
| Sales of Investments | - | - | $5.12B | $2.42B |
| Investing Cash Flow | - | - | $-404.73M | $-360.97M |
| Financing Cash Flow | - | - | $61.44M | $180.82M |
| Net Change in Cash | - | - | $-298.19M | $-141.39M |
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.