$197.46M
Net Interest Income
$50.30M
Net Income
64.5%
Efficiency Ratio
2.82%
Net Int. Margin
5.9%
ROE
| Breakdown | TTM (Dec 31, 2025) |
FY 2025 (Dec 31, 2025) |
FY 2024 (Dec 31, 2024) |
FY 2023 (Dec 31, 2023) |
|---|---|---|---|---|
| Interest Income | $335.75M | $335.75M | $292.52M | $222.16M |
| Interest Expense | $138.29M | $138.29M | $131.32M | $90.44M |
| Net Interest Income | $197.46M | $197.46M | $161.20M | $131.72M |
| Provision for Credit Losses | $10.13M | $4.65M | $12.12M | $13.88M |
| Net Interest Income After Provision | $192.81M | $192.81M | $149.07M | $117.84M |
| Non-Interest Income | $16.20M | $16.20M | $12.56M | $15.35M |
| Investment Banking Revenue | $10.51M | $10.51M | $7.78M | $7.59M |
| Non-Interest Expense | $137.87M | $137.87M | $103.02M | $121.34M |
| Compensation & Benefits | $77.49M | $77.49M | $67.26M | $68.34M |
| Technology & Equipment | $11.51M | $11.51M | $9.02M | $7.50M |
| Marketing Expense | $3.84M | $3.84M | $3.46M | $23.08M |
| Income Before Tax | $71.13M | $71.13M | $58.62M | $11.84M |
| Income Tax Expense | $20.83M | $20.83M | $16.47M | $2.02M |
| Net Income | $50.30M | $50.30M | $42.15M | $9.82M |
| Basic EPS | 1.34 | 1.34 | 1.07 | 0.23 |
| Diluted EPS | 1.35 | 1.34 | 1.07 | 0.23 |
| Breakdown | FY 2025 (Dec 31, 2025) |
FY 2024 (Dec 31, 2024) |
FY 2023 (Dec 31, 2023) |
|---|---|---|---|
| Cash & Due from Banks | $325.71M | $211.17M | $90.48M |
| Investment Securities - AFS | $268.96M | $228.21M | $189.47M |
| Loans & Leases (Gross) | $5.99B | $4.33B | $3.89B |
| Loans & Leases (Net) | $5.90B | $4.29B | $3.86B |
| Goodwill & Intangibles | $18.51M | - | - |
| Premises & Equipment | $46.21M | $34.65M | $35.53M |
| Total Assets | $7.01B | $5.16B | $4.53B |
| Total Deposits | $5.85B | $4.18B | $3.39B |
| Total Liabilities | $6.15B | $4.39B | $3.78B |
| Common Stock | $458.00K | $427.00K | $427.00K |
| Retained Earnings | $445.20M | $400.47M | $366.17M |
| AOCI | $-3.14M | $-8.17M | $-11.90M |
| Total Stockholders Equity | $858.93M | $765.17M | $757.96M |
| Total Liabilities & Equity | $7.01B | $5.16B | $4.53B |
| Breakdown | TTM (Dec 31, 2025) |
FY 2025 (Dec 31, 2025) |
FY 2024 (Dec 31, 2024) |
FY 2023 (Dec 31, 2023) |
|---|---|---|---|---|
| Net Income | $50.30M | $50.30M | $42.15M | $9.82M |
| Provision for Credit Losses | $10.13M | $4.65M | $12.12M | $13.88M |
| Deferred Taxes | $3.30M | $3.33M | $-10.26M | $-7.72M |
| Stock-based Compensation | - | $2.91M | - | - |
| Net Change in Loans HFS | $8.53M | $6.53M | $14.14M | $2.40M |
| Operating Cash Flow | $107.73M | $60.79M | $43.19M | $52.90M |
| Purchases of Securities | $134.49M | $101.50M | $142.99M | $43.59M |
| Sales of Securities | - | $23.96M | $27.44M | - |
| Maturities of Securities | $91.93M | $67.47M | $80.12M | $103.58M |
| Capital Expenditures | $4.58M | $3.42M | $1.94M | $2.87M |
| Acquisitions | - | $48.12M | - | - |
| Investing Cash Flow | $-836.87M | $-519.05M | $-546.44M | $-831.62M |
| Net Change in Deposits | $779.49M | $540.12M | $790.33M | $500.67M |
| Common Stock Repurchased | $177.41M | $77.12M | - | - |
| Dividends Paid | - | $5.58M | - | - |
| Financing Cash Flow | $617.32M | $502.00M | $594.52M | $894.77M |
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 | $33.51M | $34.68M | $104.97M | $95.26M |
| Income Before Tax | $19.96M | $15.38M | $56.25M | $39.34M |
| Income Tax Expense | $4.60M | $7.00M | $13.65M | $12.80M |
| Net Income | $15.36M | $8.38M | $42.60M | $26.54M |
| Basic EPS | 0.43 | 0.21 | 1.15 | 0.67 |
| Diluted EPS | 0.43 | 0.21 | 1.14 | 0.67 |
| Basic Shares Outstanding | $35.37M | $39.29M | $37.10M | $39.42M |
| Diluted Shares Outstanding | $35.58M | $39.29M | $37.29M | $39.42M |
Condensed Consolidated Balance Sheets
| Description | Sep 30, 2025 | Dec 31, 2024 |
|---|---|---|
| Property Plant & Equipment | $33.84M | $34.65M |
| Total Assets | $5.44B | $5.16B |
| Total Liabilities | $4.71B | $4.39B |
| Common Stock | $398.00K | $427.00K |
| Retained Earnings | $440.28M | $400.47M |
| Total Stockholders Equity | $737.03M | $765.17M |
| Total Liabilities & Equity | $5.44B | $5.16B |
Condensed Consolidated Statements of Cash Flows
| Description | Sep 30, 2025 | Sep 30, 2025 | ||
|---|---|---|---|---|
| Current | Prior Year | Current YTD | Prior Year YTD | |
| Net Income | $15.36M | $8.38M | $42.60M | $26.54M |
| Stock-based Compensation | - | - | $1.85M | - |
| Deferred Income Tax | - | - | $-29.00K | $-2.53M |
| Operating Cash Flow | - | - | $61.23M | $21.91M |
| Capital Expenditure | - | - | $1.36M | $1.38M |
| Sales of Investments | - | - | $48.03M | $62.97M |
| Investing Cash Flow | - | - | $-358.42M | $-432.31M |
| Stock Repurchased | - | - | $77.12M | - |
| Dividends Paid | - | - | $2.79M | - |
| Financing Cash Flow | - | - | $228.71M | $454.85M |
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.