$625.67M
Net Interest Income
$135.68M
Net Income
63.1%
Efficiency Ratio
5.41%
Net Int. Margin
9.0%
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) |
FY 2017 (Dec 31, 2017) |
FY 2016 (Dec 31, 2016) |
FY 2014 (Dec 31, 2014) |
FY 2013 (Dec 31, 2013) |
FY 2012 (Dec 31, 2012) |
FY 2011 (Mar 31, 2012) |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Interest Income | $961.54M | $961.54M | $907.96M | $832.63M | $557.34M | $292.83M | $209.69M | $345.35M | $487.46M | $611.26M | $696.66M | $354.45M | $187.51M | - | $32.66M |
| Interest Expense | $335.87M | $335.87M | $373.92M | $270.79M | $82.52M | $80.00M | $141.50M | $246.59M | $385.61M | $571.42M | $688.37M | $356.62M | $187.45M | - | $32.03M |
| Net Interest Income | - | - | - | $561.84M | $474.82M | $212.83M | $-49.06M | $-46.23M | $1.17M | $9.02M | $8.29M | $-2.16M | $60.00K | - | $629.69K |
| Provision for Credit Losses | $191.32M | $191.32M | $178.27M | $243.56M | $267.33M | $138.80M | $3.38M | - | - | - | - | - | - | - | $367.78K |
| Net Interest Income After Provision | - | - | - | - | - | - | - | - | - | - | $5.34M | $-2.28M | $27.00K | - | $261.00K |
| Non-Interest Income | $373.18M | $373.18M | $252.97M | $302.78M | $712.39M | $605.80M | $258.76M | $660.57M | - | - | $495.47M | $213.41M | $97.97M | - | $15.54M |
| Service Charges & Fees | - | - | - | - | - | - | - | - | - | $448.61M | $423.49M | $197.12M | $85.85M | - | $13.70M |
| Total Revenue | $998.85M | $998.85M | $787.01M | $864.62M | $1.19B | $818.63M | $318.08M | $758.61M | $694.81M | $574.54M | $500.81M | $211.13M | $98.00M | - | $15.80M |
| Revenue Growth % | 0.0% | 26.9% | -9.0% | -27.2% | 45.0% | 157.4% | -58.1% | 9.2% | 20.9% | 14.7% | 137.2% | 115.4% | nan% | - | nan% |
| Non-Interest Expense | $630.58M | $630.58M | $543.68M | $566.44M | $766.85M | $661.39M | $502.32M | $789.50M | - | - | - | - | - | - | - |
| Compensation & Benefits | $241.85M | $241.85M | $232.16M | $261.95M | $339.40M | $288.39M | $252.52M | $333.63M | - | - | - | - | - | - | - |
| Occupancy Expense | $19.83M | $19.83M | $15.80M | $17.53M | $21.98M | $24.25M | $27.87M | $29.37M | - | - | - | - | - | - | - |
| Technology & Equipment | $57.01M | $57.01M | $51.19M | $53.48M | $49.20M | $39.49M | $26.84M | $24.93M | - | - | - | - | - | - | - |
| Professional Fees | $42.34M | $42.34M | $32.05M | $35.17M | $50.52M | $47.57M | $41.78M | $43.01M | - | - | - | - | - | - | - |
| Other Non-Interest Expense | $57.45M | $57.45M | $53.25M | $57.26M | $64.19M | $61.26M | $47.76M | $64.08M | - | - | - | - | - | - | - |
| Income Before Tax | $176.95M | $176.95M | $65.07M | $54.62M | $153.04M | $18.44M | $-187.62M | - | - | - | - | - | - | - | - |
| Income Tax Expense | $41.27M | $41.27M | $13.74M | $15.68M | $-136.65M | $-136.00K | $-79.00K | $-201.00K | $43.00K | $632.00K | $-4.23M | $1.39M | - | - | - |
| Net Income | $135.68M | $135.68M | $51.33M | $38.94M | $289.69M | $18.58M | $-187.54M | $-30.75M | $-128.31M | $-153.84M | $-145.97M | $-32.89M | $7.31M | - | $-11.94M |
| Net Margin % | 13.6% | 13.6% | 6.5% | 4.5% | 24.4% | 2.3% | -59.0% | -4.1% | -18.5% | -26.8% | -29.1% | -15.6% | 7.5% | - | -75.6% |
| Basic EPS | nan | 1.18 | 0.46 | 0.36 | 2.80 | nan | nan | -0.35 | -0.30 | -0.38 | -0.38 | -0.44 | 0.01 | - | -1.36 |
| Diluted EPS | nan | 1.16 | 0.45 | 0.36 | 2.79 | 0.18 | nan | -0.35 | -0.30 | -0.38 | -0.38 | -0.44 | 0.01 | - | -1.36 |
| 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) |
FY 2017 (Dec 31, 2017) |
FY 2016 (Dec 31, 2016) |
FY 2014 (Dec 31, 2014) |
FY 2013 (Dec 31, 2013) |
FY 2012 (Dec 31, 2012) |
FY 2011 (Mar 31, 2012) |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Cash & Due from Banks | $11.75M | $15.52M | $14.99M | $23.12M | $35.67M | $5.20M | $243.78M | $372.97M | $401.72M | $515.60M | $869.78M | $49.30M | $52.55M | $31.24M |
| Interest-Bearing Deposits | $905.90M | $938.53M | $1.24B | $1.03B | $651.46M | $519.77M | - | - | - | - | - | - | - | - |
| Investment Securities - AFS | $3.71B | $3.45B | $1.62B | $345.70M | $263.53M | $142.23M | $270.93M | $170.47M | $117.57M | - | - | - | - | - |
| Loans & Leases (Gross) | $4.27B | $4.13B | $4.85B | $5.03B | $2.90B | - | - | - | - | - | - | - | - | - |
| Loans & Leases (Net) | $4.00B | $3.89B | $4.54B | $4.71B | $2.75B | - | - | - | - | - | - | - | - | - |
| Goodwill & Intangibles | $75.72M | $75.72M | $75.72M | $75.72M | $75.72M | - | - | - | $35.63M | $35.63M | $72.59M | - | - | - |
| Premises & Equipment | $254.09M | $167.53M | $161.52M | $136.47M | $98.00M | $96.64M | $114.37M | $113.88M | $101.93M | $89.26M | $27.05M | $12.60M | $1.58M | $524.86K |
| Other Assets | $368.09M | $403.98M | $455.45M | $500.31M | $302.55M | $96.73M | $143.67M | $124.97M | $156.28M | $69.64M | $14.33M | $23.92M | $2.37M | - |
| Total Assets | $11.57B | $10.63B | $8.83B | $7.98B | $4.90B | $1.86B | $2.98B | $3.82B | $4.64B | $5.56B | $3.89B | $1.94B | $850.83M | $403.33M |
| Total Deposits | $9.83B | $9.07B | $7.33B | $6.39B | $3.14B | - | - | - | - | - | - | - | - | - |
| Short-term Borrowings | - | - | - | $2.62M | $27.78M | $104.99M | - | - | - | - | - | - | - | - |
| Long-term Debt | - | - | $19.35M | - | - | - | - | - | - | - | - | - | - | - |
| Accounts Payable & Accrued | $87.34M | $78.13M | - | - | - | - | - | - | - | - | - | - | - | - |
| Other Liabilities | $233.52M | $220.54M | $222.80M | $292.62M | $303.95M | $244.55M | - | - | - | - | - | - | - | - |
| Total Liabilities | $10.07B | $9.29B | $7.58B | $6.82B | $4.05B | $1.14B | $2.08B | $2.95B | $3.71B | $4.59B | $2.92B | $1.88B | $798.62M | $366.99M |
| Common Stock | $1.15M | $1.13M | $1.10M | $1.06M | $1.01M | $881.00K | $892.00K | $4.32M | $4.20M | $4.00M | $3.71M | $138.00K | $123.00K | $91.11K |
| Retained Earnings | $-201.80M | $-337.48M | $-388.81M | $-427.75M | $-767.63M | $-786.21M | $-548.47M | $-517.73M | $-389.42M | $-234.19M | $-83.22M | $-50.33M | $-57.64M | $-53.40M |
| Treasury Stock | - | - | - | - | - | - | $19.55M | $19.48M | $19.48M | $19.48M | - | - | $12.00K | - |
| AOCI | $-18.16M | $-24.24M | $-30.30M | $-37.62M | $7.05M | $1.48M | $-565.00K | $157.00K | $-5.00K | $-767.00K | - | - | - | - |
| Total Stockholders Equity | $1.50B | $1.34B | $1.25B | $1.16B | $850.24M | $724.17M | $900.19M | $869.20M | $922.50M | $975.77M | $973.22M | $68.09M | $-50.81M | $-48.47M |
| Total Liabilities & Equity | $11.57B | $10.63B | $8.83B | $7.98B | $4.90B | $1.86B | $2.98B | $3.82B | $4.64B | $5.56B | $3.89B | $1.94B | $850.83M | $403.33M |
| 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) |
FY 2017 (Dec 31, 2017) |
FY 2016 (Dec 31, 2016) |
FY 2014 (Dec 31, 2014) |
FY 2013 (Dec 31, 2013) |
FY 2012 (Dec 31, 2012) |
FY 2011 (Mar 31, 2012) |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net Income | $147.35M | $135.68M | $51.33M | $38.94M | $289.69M | $18.58M | $-187.54M | $-30.75M | $-128.31M | $-153.84M | $-145.97M | $-32.89M | $7.31M | - | $-11.94M |
| Provision for Credit Losses | $191.32M | $191.32M | $178.27M | $243.56M | $267.33M | $138.80M | $3.38M | - | - | - | - | - | - | - | - |
| Depreciation & Amortization | - | - | $58.83M | $47.20M | $43.83M | $5.58M | $54.03M | $59.15M | $54.76M | $46.21M | $29.88M | $10.26M | $1.66M | - | $149.91K |
| Deferred Taxes | - | $37.44M | $10.87M | $17.56M | - | - | - | - | - | - | - | - | - | - | - |
| Stock-based Compensation | $60.39M | $34.29M | $40.07M | $52.39M | $66.36M | $66.76M | $61.53M | $73.64M | $75.09M | $70.98M | $69.24M | $37.15M | $6.49M | - | $641.05K |
| Net Change in Loans HFS | $5.03B | $3.27B | $3.10B | $1.54B | $-8.03M | $-4.86M | $-435.25M | $440.19M | - | - | - | - | - | - | - |
| Operating Cash Flow | $-4.12B | $-2.73B | $-2.63B | $-1.14B | $375.57M | $239.87M | $418.03M | $-270.64M | $-638.95M | $-590.81M | $545.00K | $49.92M | $1.14M | - | $-10.55M |
| Purchases of Securities | - | $30.45M | $49.79M | $61.65M | $222.53M | $100.47M | $53.74M | $144.48M | $136.44M | $139.77M | $75.98M | - | - | - | - |
| Sales of Securities | - | - | - | - | - | $106.19M | $6.22M | $12.55M | - | - | - | - | - | - | - |
| Maturities of Securities | $2.98B | $1.79B | $938.41M | $97.71M | $86.08M | $143.40M | $225.46M | $223.98M | - | - | - | - | - | - | - |
| Capital Expenditures | $257.17M | $140.34M | $54.30M | $59.51M | $69.48M | $34.41M | $31.15M | $50.67M | $52.98M | $44.62M | $51.84M | $20.57M | $10.44M | - | $383.50K |
| Acquisitions | - | - | - | - | - | - | - | - | - | - | - | $109.46M | - | - | - |
| Investing Cash Flow | $3.17B | $1.93B | $607.81M | $516.70M | $-2.81B | $-454.41M | $565.77M | $653.77M | $878.74M | $933.81M | $-422.96M | $-1.26B | $-1.12B | - | $-218.81M |
| Long-term Debt Repaid | - | - | - | - | $15.30M | $2.83M | $14.42M | $13.65M | - | - | - | - | - | - | - |
| Common Stock Repurchased | - | - | - | - | - | - | - | - | - | - | $19.48M | - | - | - | - |
| Dividends Paid | - | - | - | - | - | - | $50.20M | - | - | - | - | - | - | - | - |
| Financing Cash Flow | $641.26M | $747.82M | $1.71B | $789.57M | $2.80B | $349.64M | $-842.44M | $-540.06M | $-240.02M | $-456.88M | $314.48M | $2.03B | $1.12B | - | $247.27M |
| Net Change in Cash | $-307.18M | $-46.96M | $-316.75M | $169.66M | $360.90M | $135.10M | $141.36M | $-156.94M | $-231.00K | $-49.12M | $-10.85M | - | - | - | - |
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 | $83.36M | $100.14M | $248.31M | $275.70M |
| Income Before Tax | $57.24M | $18.01M | $126.92M | $53.96M |
| Income Tax Expense | $12.96M | $3.55M | $32.79M | $12.35M |
| Net Income | $44.27M | $14.46M | $94.12M | $41.61M |
| Basic EPS | 0.39 | 0.13 | 0.82 | 0.37 |
| Diluted EPS | 0.37 | 0.13 | 0.81 | 0.37 |
| Basic Shares Outstanding | $114.96M | $112.04M | $114.36M | $111.38M |
| Diluted Shares Outstanding | $118.19M | $113.92M | $116.69M | $112.03M |
Condensed Consolidated Balance Sheets
| Description | Sep 30, 2025 | Dec 31, 2024 |
|---|---|---|
| Property Plant & Equipment | $250.33M | $167.53M |
| Goodwill | $75.72M | $75.72M |
| Total Assets | $11.07B | $10.63B |
| Total Liabilities | $9.61B | $9.29B |
| Common Stock | $1.15M | $1.13M |
| Retained Earnings | $-243.35M | $-337.48M |
| Total Stockholders Equity | $1.46B | $1.34B |
| Total Liabilities & Equity | $11.07B | $10.63B |
Condensed Consolidated Statements of Cash Flows
| Description | Sep 30, 2025 | Sep 30, 2025 | ||
|---|---|---|---|---|
| Current | Prior Year | Current YTD | Prior Year YTD | |
| Net Income | $44.27M | $14.46M | $94.12M | $41.61M |
| Depreciation & Amortization | - | - | $46.25M | $39.09M |
| Stock-based Compensation | - | - | $26.08M | $30.53M |
| Operating Cash Flow | - | - | $-1.82B | $-2.45B |
| Capital Expenditure | - | - | $124.76M | $37.08M |
| Sales of Investments | - | - | $1.29B | $607.65M |
| Investing Cash Flow | - | - | $1.38B | $109.72M |
| Financing Cash Flow | - | - | $308.08M | $2.10B |
| Net Change in Cash | - | - | $-131.73M | $-243.87M |
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.