$139.53M
Net Interest Income
$33.40M
Net Income
67.6%
Efficiency Ratio
2.82%
Net Int. Margin
8.7%
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 | $92.10M | $92.50M | $88.66M | $80.77M | $85.54M | $82.72M | $81.22M |
| Interest Expense | $39.90M | $41.65M | $39.29M | $37.97M | $42.10M | $42.34M | $42.37M |
| Net Interest Income | $52.20M | $50.85M | $49.37M | $42.80M | $43.44M | $40.38M | $38.86M |
| Provision for Credit Losses | $2.25M | $2.76M | $2.13M | $450.00K | $1.16M | $1.08M | $1.90M |
| Net Interest Income After Provision | $49.95M | $48.09M | $47.24M | $42.35M | $42.28M | $39.30M | $36.96M |
| Non-Interest Income | $4.26M | $3.63M | $2.65M | $3.11M | $2.87M | $2.52M | $2.89M |
| Other Non-Interest Income | $204.00K | $10.00K | $-152.00K | $351.00K | $438.00K | $104.00K | $635.00K |
| Non-Interest Expense | $32.69M | $28.89M | $28.85M | $28.11M | $27.23M | $25.55M | $25.63M |
| Compensation & Benefits | $21.11M | $19.56M | $18.18M | $18.34M | $17.02M | $15.68M | $15.92M |
| Occupancy Expense | $2.85M | $2.86M | $2.78M | $3.28M | $3.29M | $3.23M | $3.15M |
| Marketing Expense | $733.00K | $499.00K | $503.00K | $409.00K | $526.00K | $420.00K | $406.00K |
| Other Non-Interest Expense | $1.30M | $1.11M | $1.39M | $964.00K | $1.33M | $1.08M | $1.26M |
| Income Before Tax | $21.52M | $22.83M | $21.05M | $17.35M | $17.93M | $16.26M | $14.22M |
| Income Tax Expense | $3.62M | $4.77M | $4.30M | $3.76M | $4.19M | $3.49M | $3.42M |
| Net Income | $17.90M | $18.06M | $16.75M | $13.59M | $13.73M | $12.78M | $10.80M |
| Basic EPS | nan | 1.22 | 1.12 | 0.90 | 0.91 | 0.85 | 0.70 |
| Diluted EPS | nan | 1.03 | 0.96 | 0.78 | 0.79 | 0.74 | 0.63 |
| 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 | $175.20M | $116.38M | $113.14M | $218.99M | $371.16M | $258.19M | $241.81M |
| Interest-Bearing Deposits | $267.00K | $265.00K | $262.00K | $359.00K | $356.00K | $353.00K | $350.00K |
| Investment Securities - AFS | $383.19M | $376.72M | $355.75M | $397.44M | $384.02M | $292.10M | $286.17M |
| Investment Securities - HTM | $192.01M | $206.04M | $206.06M | - | - | - | - |
| Allowance for Loan Losses | $43.95M | $42.56M | $40.03M | $40.46M | $40.30M | $39.68M | $38.21M |
| Premises & Equipment | $24.79M | $24.72M | $24.91M | $25.67M | $26.23M | $26.70M | $27.63M |
| Other Assets | $33.33M | $31.07M | $27.63M | $29.40M | $17.74M | $16.18M | $18.80M |
| Total Assets | $5.34B | $5.06B | $4.94B | $4.90B | $4.94B | $4.63B | $4.47B |
| Total Deposits | $4.63B | $4.37B | $4.28B | $4.25B | $4.31B | $3.99B | $3.86B |
| Other Liabilities | $36.77M | $32.04M | $24.75M | $25.98M | $23.75M | $34.63M | $30.79M |
| Total Liabilities | $4.81B | $4.55B | $4.45B | $4.42B | $4.48B | $4.18B | $4.04B |
| Common Stock | $13.97M | $13.96M | $13.93M | $13.90M | $13.85M | $13.75M | $13.74M |
| Retained Earnings | $183.24M | $166.54M | $149.68M | $134.12M | $121.70M | $109.16M | $97.58M |
| Treasury Stock | $1.10M | $1.10M | $1.10M | $1.10M | $1.10M | $1.10M | $1.10M |
| AOCI | $10.92M | $10.87M | $10.57M | $10.34M | $4.51M | $7.80M | $4.21M |
| Total Stockholders Equity | $531.03M | $513.83M | $496.12M | $479.79M | $460.72M | $450.55M | $435.00M |
| Total Liabilities & Equity | $5.34B | $5.06B | $4.94B | $4.90B | $4.94B | $4.63B | $4.47B |
| 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 | $17.90M | $18.06M | $16.75M | $13.59M | $13.73M | $12.78M | $10.80M |
| Provision for Credit Losses | $2.25M | $2.76M | $2.58M | $450.00K | $1.16M | $1.08M | $1.90M |
| Depreciation & Amortization | $1.19M | $3.56M | $2.37M | $1.20M | $1.21M | - | - |
| Stock-based Compensation | $450.00K | $1.16M | $738.00K | $332.00K | $459.00K | $1.24M | $788.00K |
| Operating Cash Flow | $5.74M | $45.10M | $24.35M | $10.47M | $-3.63M | $38.76M | $16.73M |
| Purchases of Securities | $78.46M | $5.16B | $50.70M | $31.68M | $1.72B | $2.56B | $1.93B |
| Sales of Securities | $20.59M | $53.41M | $53.41M | $13.64M | $5.93M | $30.07M | $9.20M |
| Maturities of Securities | $52.81M | $5.12B | $31.17M | $10.08M | $1.62B | $2.42B | $1.81B |
| Net Change in Loans | $223.04M | $199.50M | $116.23M | $26.71M | $75.05M | $247.20M | $118.13M |
| Investing Cash Flow | $-205.47M | $-404.73M | $-295.22M | $-39.64M | $-159.96M | $-360.97M | $-222.91M |
| Financing Cash Flow | $257.95M | $61.44M | $-31.38M | $-62.67M | $314.33M | $180.82M | $48.23M |
| Net Change in Cash | $58.22M | $-298.19M | $-302.25M | $-91.83M | $150.75M | $-141.39M | $-157.95M |
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-Q filings.
Quarterly data represents single quarter results (Q1-Q4). Some items may show year-to-date values if quarterly breakdown is unavailable.