$1.20B
Net Interest Income
$111.30M
Net Income
-
Efficiency Ratio
36.71%
Net Int. Margin
28.2%
ROE
| Breakdown | 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 | $495.29M | $393.82M | $344.87M | $353.19M | $350.95M | $315.64M |
| Interest Expense | $75.46M | $53.68M | $47.53M | $44.67M | $42.49M | $37.95M |
| Total Revenue | $140.81M | $122.32M | $118.22M | $117.47M | $100.36M | $90.08M |
| Revenue Growth % (YoY) | 40.3% | 35.8% | nan% | nan% | nan% | nan% |
| Non-Interest Expense | $108.33M | $82.17M | $77.36M | $77.60M | $63.07M | $61.48M |
| Compensation & Benefits | $18.20M | $13.38M | $15.50M | $12.56M | $12.30M | $11.97M |
| Marketing Expense | $35.30M | $24.95M | $20.33M | $17.34M | $14.85M | $13.57M |
| Other Non-Interest Expense | $14.32M | $8.87M | $8.57M | $11.14M | $7.20M | $7.58M |
| Income Before Tax | $32.48M | $40.15M | $40.87M | $39.87M | $37.29M | $28.60M |
| Income Tax Expense | $7.89M | $9.86M | $9.75M | $8.90M | $8.10M | $4.48M |
| Net Income | $24.98M | $30.57M | $31.52M | $31.30M | $29.54M | $24.28M |
| Net Margin % | 17.7% | 25.0% | 26.7% | 26.6% | 29.4% | 27.0% |
| Basic EPS | 1.50 | 1.87 | 1.85 | 1.77 | 1.58 | 1.22 |
| Diluted EPS | 1.21 | 1.51 | 1.49 | 1.42 | 1.27 | 0.99 |
| Breakdown | 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 | $425.02M | $329.42M | $350.39M | $375.42M | $308.65M | - |
| Allowance for Loan Losses | $4.60M | $4.90M | $4.80M | $4.90M | $4.60M | $2.40M |
| Premises & Equipment | $13.46M | $13.66M | $12.40M | $10.52M | $9.68M | $10.27M |
| Total Assets | $7.08B | $3.64B | $3.27B | $3.27B | $3.04B | $2.84B |
| Accounts Payable & Accrued | $253.08M | $112.79M | $81.11M | $72.09M | $59.56M | $70.58M |
| Total Liabilities | $6.45B | $3.04B | $2.70B | $2.69B | $2.47B | $2.27B |
| Common Stock | - | - | - | - | - | - |
| Retained Earnings | $473.60M | $450.93M | $422.57M | $394.63M | $368.34M | $345.11M |
| Total Stockholders Equity | $589.34M | $563.32M | $532.71M | $492.91M | $457.72M | $433.81M |
| Total Liabilities & Equity | $7.08B | $3.64B | $3.27B | $3.27B | $3.04B | $2.84B |
| Breakdown | 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 | $24.98M | $30.57M | $31.52M | $31.30M | $29.54M | $24.28M |
| Stock-based Compensation | $2.74M | $1.82M | $870.00K | $928.00K | $2.97M | $1.99M |
| Operating Cash Flow | $371.71M | $264.26M | $131.57M | $122.60M | $346.80M | $234.44M |
| Acquisitions | $72.86M | - | - | - | - | - |
| Investing Cash Flow | $-1.03B | $-520.42M | $-114.89M | $-176.00M | $-571.04M | $-264.75M |
| Long-term Debt Repaid | $1.12B | $634.76M | $310.66M | $84.70M | $481.54M | $411.29M |
| Common Stock Repurchased | $53.19M | $53.16M | $51.25M | $25.03M | $27.64M | $1.82M |
| Financing Cash Flow | $681.92M | $239.76M | $-54.87M | $168.32M | $225.29M | $53.82M |
| Net Change in Cash | $26.30M | $-16.40M | $-38.19M | $114.93M | $1.06M | $23.51M |
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 | |
| Total Revenue | $494.68M | - | $1.23B | - |
| Cost of Revenue | $39.02M | - | $105.26M | - |
| Interest Expense | $75.46M | - | $176.68M | - |
| Other Income/Expense | $-616.00K | - | $20.00K | - |
| Income Before Tax | $32.48M | - | $113.49M | - |
| Income Tax Expense | $7.89M | - | $27.49M | - |
| Net Income | $24.98M | $24.13M | $87.07M | - |
| Basic EPS | 1.50 | - | 5.22 | - |
| Diluted EPS | 1.21 | - | 4.21 | - |
Condensed Consolidated Balance Sheets
| Description | Sep 30, 2025 | Dec 31, 2024 |
|---|---|---|
| Cash & Cash Equivalents | $425.02M | - |
| Property Plant & Equipment | $13.46M | $10.52M |
| Intangible Assets | $31.89M | - |
| Total Assets | $7.08B | $3.27B |
| Total Liabilities | $6.45B | $2.69B |
| Common Stock | - | - |
| Retained Earnings | $473.60M | $394.63M |
| Total Stockholders Equity | $589.34M | $492.91M |
| Total Liabilities & Equity | $7.08B | $3.27B |
Condensed Consolidated Statements of Cash Flows
| Description | Sep 30, 2025 | Sep 30, 2025 | ||
|---|---|---|---|---|
| Current | Prior Year | Current YTD | Prior Year YTD | |
| Net Income | $24.98M | $24.13M | $87.07M | - |
| Stock-based Compensation | - | - | $2.74M | - |
| Operating Cash Flow | - | - | $371.71M | - |
| Acquisitions | - | - | $72.86M | - |
| Investing Cash Flow | - | - | $-1.03B | - |
| Debt Repayment | - | - | $1.12B | - |
| Stock Issued | - | - | $11.59M | - |
| Stock Repurchased | - | - | $53.19M | - |
| Financing Cash Flow | - | - | $681.92M | - |
| Net Change in Cash | - | - | $26.30M | - |
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.