$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) |
Q1 2024 (Mar 31, 2024) |
Q4 2023 (Dec 31, 2023) |
Q3 2023 (Sep 30, 2023) |
Q2 2023 (Jun 30, 2023) |
Q1 2023 (Mar 31, 2023) |
Q4 2022 (Dec 31, 2022) |
Q3 2022 (Sep 30, 2022) |
Q2 2022 (Jun 30, 2022) |
Q1 2022 (Mar 31, 2022) |
Q4 2021 (Dec 31, 2021) |
Q3 2021 (Sep 30, 2021) |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Interest Income | $92.10M | $92.50M | $88.66M | $80.77M | $85.54M | $82.72M | $81.22M | $78.88M | $77.07M | $69.39M | $62.71M | $57.38M | $51.15M | $43.10M | $32.51M | $27.18M | $26.66M | $24.40M |
| Interest Expense | $39.90M | $41.65M | $39.29M | $37.97M | $42.10M | $42.34M | $42.37M | $40.80M | $39.74M | $34.12M | $28.62M | $24.55M | $19.00M | $11.75M | $4.77M | $1.97M | $2.04M | $2.40M |
| Net Interest Income | $52.20M | $50.85M | $49.37M | $42.80M | $43.44M | $40.38M | $38.86M | $38.08M | $37.33M | $35.27M | $34.10M | $32.83M | $32.15M | $31.36M | $27.74M | $25.21M | $24.62M | $22.00M |
| Provision for Credit Losses | $2.25M | $2.76M | $2.13M | $450.00K | $1.16M | $1.08M | $1.90M | $1.56M | $1.10M | $2.62M | $1.40M | $1.20M | $1.95M | $2.90M | $3.35M | $4.00M | $6.10M | $2.32M |
| Net Interest Income After Provision | $49.95M | $48.09M | $47.24M | $42.35M | $42.28M | $39.30M | $36.96M | $36.52M | $36.23M | $32.65M | $32.70M | $31.63M | $30.20M | $28.45M | $24.39M | $21.21M | $18.52M | $19.68M |
| Non-Interest Income | $4.26M | $3.63M | $2.65M | $3.11M | $2.87M | $2.52M | $2.89M | $2.34M | $2.16M | $1.87M | $2.28M | $1.90M | $1.75M | $2.54M | $1.27M | $1.67M | $2.05M | $963.98K |
| Other Non-Interest Income | $204.00K | $10.00K | $-152.00K | $351.00K | $438.00K | $104.00K | $635.00K | $3.00K | $43.00K | $-196.00K | $787.00K | $552.00K | $310.00K | $300.00K | $278.00K | $1.05M | $1.08M | $230.52K |
| Non-Interest Expense | $32.69M | $28.89M | $28.85M | $28.11M | $27.23M | $25.55M | $25.63M | $25.91M | $26.41M | $27.50M | $23.84M | $22.04M | $22.63M | $22.73M | $22.77M | $20.18M | $20.09M | $17.64M |
| Compensation & Benefits | $21.11M | $19.56M | $18.18M | $18.34M | $17.02M | $15.68M | $15.92M | $16.50M | $16.12M | $17.35M | $15.03M | $13.71M | $14.47M | $14.72M | $13.99M | $13.32M | $14.03M | $12.14M |
| Occupancy Expense | $2.85M | $2.86M | $2.78M | $3.28M | $3.29M | $3.23M | $3.15M | $3.04M | $2.88M | $2.92M | $2.85M | $2.63M | $2.59M | $2.23M | $1.83M | $1.87M | $1.56M | $1.42M |
| Marketing Expense | $733.00K | $499.00K | $503.00K | $409.00K | $526.00K | $420.00K | $406.00K | $355.00K | $614.00K | $515.00K | $812.00K | $686.00K | $580.00K | $438.00K | $467.00K | $427.00K | $657.08K | $422.03K |
| Other Non-Interest Expense | $1.30M | $1.11M | $1.39M | $964.00K | $1.33M | $1.08M | $1.26M | $1.05M | $1.47M | $1.78M | $986.00K | $758.00K | $782.00K | $1.01M | $1.66M | $668.00K | $464.05K | $525.25K |
| Income Before Tax | $21.52M | $22.83M | $21.05M | $17.35M | $17.93M | $16.26M | $14.22M | $12.95M | $11.97M | $7.01M | $11.14M | $11.49M | $9.33M | $8.27M | $2.88M | $2.69M | $487.42K | $3.00M |
| Income Tax Expense | $3.62M | $4.77M | $4.30M | $3.76M | $4.19M | $3.49M | $3.42M | $2.58M | $2.29M | $1.43M | $2.25M | $2.25M | $1.80M | $1.50M | $604.00K | $608.00K | $133.17K | $617.29K |
| Net Income | $17.90M | $18.06M | $16.75M | $13.59M | $13.73M | $12.78M | $10.80M | $10.37M | $9.69M | $5.58M | $8.89M | $9.24M | $7.53M | $6.77M | $2.28M | $2.09M | $354.25K | $2.39M |
| Basic EPS | nan | 1.22 | 1.12 | 0.90 | 0.91 | 0.85 | 0.70 | 0.68 | 0.62 | 0.32 | 0.57 | 0.60 | 0.45 | 0.50 | 0.17 | 0.16 | -0.15 | 0.29 |
| Diluted EPS | nan | 1.03 | 0.96 | 0.78 | 0.79 | 0.74 | 0.63 | 0.61 | 0.57 | 0.32 | 0.53 | 0.55 | 0.44 | 0.49 | 0.16 | 0.15 | -0.15 | 0.28 |
| 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) |
Q1 2024 (Mar 31, 2024) |
Q4 2023 (Dec 31, 2023) |
Q3 2023 (Sep 30, 2023) |
Q2 2023 (Jun 30, 2023) |
Q1 2023 (Mar 31, 2023) |
Q4 2022 (Dec 31, 2022) |
Q3 2022 (Sep 30, 2022) |
Q2 2022 (Jun 30, 2022) |
Q1 2022 (Mar 31, 2022) |
Q4 2021 (Dec 31, 2021) |
Q3 2021 (Sep 30, 2021) |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Cash & Due from Banks | $175.20M | $116.38M | $113.14M | $218.99M | $371.16M | $258.19M | $241.81M | $367.83M | $296.93M | $142.12M | $244.81M | $309.15M | $329.86M | $216.62M | $317.46M | $369.78M | $326.73M | $359.89M |
| Interest-Bearing Deposits | $267.00K | $265.00K | $262.00K | $359.00K | $356.00K | $353.00K | $350.00K | - | - | - | - | - | - | $132.00K | $132.00K | $132.00K | $131.00K | $131.46K |
| Investment Securities - AFS | $383.19M | $376.72M | $355.75M | $397.44M | $384.02M | $292.10M | $286.17M | $246.29M | $178.09M | $201.03M | $194.47M | $180.38M | $176.07M | $160.44M | $157.26M | $126.22M | $26.43M | $26.43M |
| 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 | - | $37.02M | - | - | - | $30.35M | - | - | - | $19.30M | - |
| Loans & Leases (Net) | - | - | - | - | - | - | - | $3.71B | $3.60B | $3.52B | $3.30B | $3.18B | $3.08B | $2.94B | $2.72B | $2.42B | $2.05B | $1.60B |
| Goodwill & Intangibles | - | - | - | - | - | - | - | $18.03M | $18.03M | $18.03M | $18.03M | $18.03M | $18.03M | $18.03M | $18.03M | $18.03M | $18.03M | $18.03M |
| Premises & Equipment | $24.79M | $24.72M | $24.91M | $25.67M | $26.23M | $26.70M | $27.63M | $26.84M | $28.55M | $29.01M | $28.72M | $28.50M | $28.66M | $25.45M | $22.89M | $20.85M | $19.05M | $18.36M |
| Other Assets | $33.33M | $31.07M | $27.63M | $29.40M | $17.74M | $16.18M | $18.80M | $13.24M | $12.30M | $13.95M | $12.17M | $10.02M | $12.15M | $38.29M | $28.94M | $21.38M | $7.94M | $6.81M |
| Total Assets | $5.34B | $5.06B | $4.94B | $4.90B | $4.94B | $4.63B | $4.47B | $4.66B | $4.40B | $4.22B | $3.96B | $3.86B | $3.77B | $3.52B | $3.36B | $3.04B | $2.50B | $2.08B |
| Total Deposits | $4.63B | $4.37B | $4.28B | $4.25B | $4.31B | $3.99B | $3.86B | $4.05B | $3.80B | $3.65B | $3.41B | $3.32B | $3.24B | $2.98B | $2.90B | $2.59B | $2.14B | $1.82B |
| Other Liabilities | $36.77M | $32.04M | $24.75M | $25.98M | $23.75M | $34.63M | $30.79M | $27.81M | $23.76M | $15.47M | $12.79M | $10.05M | $14.02M | $42.08M | $26.91M | $20.12M | $7.77M | $8.29M |
| Total Liabilities | $4.81B | $4.55B | $4.45B | $4.42B | $4.48B | $4.18B | $4.04B | $4.24B | $3.98B | $3.82B | $3.57B | $3.47B | $3.39B | $3.14B | $3.06B | $2.74B | $2.20B | $1.88B |
| Common Stock | $13.97M | $13.96M | $13.93M | $13.90M | $13.85M | $13.75M | $13.74M | $13.73M | $13.68M | $13.68M | $13.69M | $13.66M | $13.61M | $13.60M | $13.54M | $13.52M | $13.48M | $9.39M |
| Retained Earnings | $183.24M | $166.54M | $149.68M | $134.12M | $121.70M | $109.16M | $97.58M | $87.97M | $78.78M | $70.28M | $65.89M | $58.18M | $53.27M | $47.16M | $40.39M | $38.12M | $36.03M | $35.67M |
| Treasury Stock | $1.10M | $1.10M | $1.10M | $1.10M | $1.10M | $1.10M | $1.10M | $1.10M | $1.10M | $1.10M | $1.10M | $1.10M | $1.10M | $1.10M | $1.10M | $1.10M | $1.10M | $978.86K |
| AOCI | $10.92M | $10.87M | $10.57M | $10.34M | $4.51M | $7.80M | $4.21M | $2.87M | $933.00K | $-1.74M | $-1.37M | $-2.12M | $-2.10M | $-1.18M | $-1.28M | $887.00K | $1.39M | $1.39M |
| Total Stockholders Equity | $531.03M | $513.83M | $496.12M | $479.79M | $460.72M | $450.55M | $435.00M | $423.62M | $411.97M | $400.33M | $395.94M | $387.04M | $381.78M | $376.35M | $301.97M | $301.20M | $299.01M | $204.14M |
| Total Liabilities & Equity | $5.34B | $5.06B | $4.94B | $4.90B | $4.94B | $4.63B | $4.47B | $4.66B | $4.40B | $4.22B | $3.96B | $3.86B | $3.77B | $3.52B | $3.36B | $3.04B | $2.50B | $2.08B |
| 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) |
Q1 2024 (Mar 31, 2024) |
Q4 2023 (Dec 31, 2023) |
Q3 2023 (Sep 30, 2023) |
Q2 2023 (Jun 30, 2023) |
Q1 2023 (Mar 31, 2023) |
Q4 2022 (Dec 31, 2022) |
Q3 2022 (Sep 30, 2022) |
Q2 2022 (Jun 30, 2022) |
Q1 2022 (Mar 31, 2022) |
Q4 2021 (Dec 31, 2021) |
Q3 2021 (Sep 30, 2021) |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net Income | $17.90M | $18.06M | $16.75M | $13.59M | $13.73M | $12.78M | $10.80M | $10.37M | $9.69M | $5.58M | $18.13M | $9.24M | $7.53M | $6.77M | $4.36M | $2.09M | $354.25K | $2.39M |
| Provision for Credit Losses | $2.25M | $2.76M | $2.58M | $450.00K | $1.16M | $1.08M | $1.90M | $1.56M | $1.10M | $5.22M | $1.40M | $1.20M | $1.95M | $10.25M | $3.35M | $4.00M | $6.10M | $3.82M |
| 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 | $356.00K | $493.00K | $1.14M | $767.00K | $365.00K | $293.00K | $982.00K | $609.00K | $279.00K | $308.75K | $350.25K |
| Operating Cash Flow | $5.74M | $45.10M | $24.35M | $10.47M | $-3.63M | $38.76M | $16.73M | $9.43M | $17.53M | $21.54M | $18.48M | $7.98M | $6.18M | $15.61M | $5.04M | $882.00K | $1.49M | $3.10M |
| Purchases of Securities | $78.46M | $5.16B | $50.70M | $31.68M | $1.72B | $2.56B | $1.93B | $76.91M | $1.37B | $1.74B | $1.73B | $10.12M | $417.28M | $1.74B | $135.06M | $101.08M | $1.50B | $496.00M |
| Sales of Securities | $20.59M | $53.41M | $53.41M | $13.64M | $5.93M | $30.07M | $9.20M | $5.30M | $810.00K | $13.13M | $3.88M | $3.88M | - | - | - | - | - | - |
| Maturities of Securities | $52.81M | $5.12B | $31.17M | $10.08M | $1.62B | $2.42B | $1.81B | $2.56M | $1.40B | $1.70B | $1.70B | $551.00K | $400.56M | $1.60B | $766.00K | $698.00K | $1.50B | $495.95M |
| Net Change in Loans | $223.04M | $199.50M | $116.23M | $26.71M | $75.05M | $247.20M | $118.13M | $106.14M | $78.35M | $449.25M | $224.87M | $104.71M | $134.71M | $899.24M | $677.35M | $376.99M | $454.54M | $39.06M |
| Capital Expenditures | - | - | - | - | - | - | - | - | $422.00K | $3.02M | $1.82M | $709.00K | $4.00M | $8.19M | $4.95M | $2.32M | $1.16M | $4.46M |
| Investing Cash Flow | $-205.47M | $-404.73M | $-295.22M | $-39.64M | $-159.96M | $-360.97M | $-222.91M | $-174.50M | $-50.35M | $-479.19M | $-252.29M | $-114.24M | $-143.57M | $-1.10B | $-847.96M | $-483.49M | $-452.27M | $-47.79M |
| Preferred Stock Issued | - | - | - | - | - | - | - | - | - | - | - | - | $-48.00K | - | - | - | - | - |
| Financing Cash Flow | $257.95M | $61.44M | $-31.38M | $-62.67M | $314.33M | $180.82M | $48.23M | $251.48M | $158.13M | $412.16M | $169.81M | $85.19M | $251.56M | $971.16M | $836.10M | $526.90M | $417.23M | $201.71M |
| Net Change in Cash | $58.22M | $-298.19M | $-302.25M | $-91.83M | $150.75M | $-141.39M | $-157.95M | $86.42M | $125.31M | $-45.48M | $-63.99M | $-21.07M | $114.17M | $-109.18M | $-6.82M | $44.30M | $-33.56M | $157.02M |
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.