$253.08M
Net Interest Income
$59.42M
Net Income
61.8%
Efficiency Ratio
3.58%
Net Int. Margin
10.7%
ROE
| Breakdown | TTM (Sep 30, 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) |
|---|---|---|---|---|---|---|---|---|---|
| Interest Income | $497.64M | $468.38M | $375.40M | $260.74M | $173.28M | $143.10M | $129.78M | $83.94M | $60.75M |
| Interest Expense | $213.13M | $215.29M | $152.57M | $31.58M | $16.28M | $18.18M | $32.17M | $12.72M | $8.67M |
| Net Interest Income | $284.51M | $253.08M | $222.84M | $229.16M | $157.00M | $124.92M | $97.61M | $71.23M | $52.08M |
| Provision for Credit Losses | $36.25M | $6.26M | $12.28M | $10.12M | $3.82M | - | - | - | - |
| Net Interest Income After Provision | $248.27M | $246.83M | $210.55M | $219.04M | $153.19M | $115.43M | $93.39M | $68.09M | $45.02M |
| Non-Interest Income | $13.19M | $23.83M | $27.90M | $26.59M | $23.70M | $17.00M | - | - | - |
| Non-Interest Expense | $169.79M | $173.57M | $131.54M | $148.74M | $87.31M | $74.52M | $59.95M | $43.47M | $32.74M |
| Compensation & Benefits | $83.28M | $77.86M | $66.96M | $57.29M | $45.91M | $39.80M | $31.24M | $25.66M | $19.17M |
| Occupancy Expense | $10.16M | $9.66M | $9.34M | $8.86M | $8.05M | $8.34M | $6.53M | $5.06M | $4.38M |
| Professional Fees | $15.76M | $21.32M | $18.06M | $14.42M | $6.75M | $4.12M | $3.43M | $2.92M | $2.64M |
| Other Non-Interest Expense | $23.53M | $19.40M | $15.86M | $13.35M | $12.79M | $9.22M | $7.76M | $5.84M | $2.82M |
| Income Before Tax | $91.67M | $97.08M | $106.92M | $96.90M | $89.57M | $57.92M | $44.06M | $36.77M | $23.58M |
| Income Tax Expense | $28.01M | $30.39M | $29.65M | $37.47M | $29.02M | $18.45M | $13.93M | $11.22M | $11.21M |
| Net Income | $63.66M | $66.69M | $77.27M | $59.42M | $60.55M | $39.47M | $30.13M | $25.55M | $12.37M |
| Basic EPS | 5.84 | 5.97 | 6.95 | 5.42 | 6.64 | 4.76 | 3.63 | 3.12 | 2.40 |
| Diluted EPS | 5.77 | 5.93 | 6.91 | 5.29 | 6.45 | 4.66 | 3.56 | 3.06 | 2.34 |
| Breakdown | 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) |
|---|---|---|---|---|---|---|---|---|
| Cash & Due from Banks | $13.08M | $31.97M | $26.78M | $28.86M | $8.69M | $10.18M | $9.25M | $261.23M |
| Investment Securities - AFS | $482.08M | $461.21M | $445.75M | $566.62M | $266.10M | $234.94M | $32.55M | $32.16M |
| Investment Securities - HTM | - | - | $510.43M | $382.10M | $2.76M | $3.72M | $4.57M | $5.43M |
| Loans & Leases (Gross) | $6.03B | $5.62B | $4.84B | - | - | - | - | $1.42B |
| Loans & Leases (Net) | $5.97B | $5.57B | $4.80B | $3.70B | $3.10B | $2.65B | $1.85B | $1.41B |
| Goodwill & Intangibles | - | - | - | $9.73M | $9.73M | $9.73M | $9.73M | $9.73M |
| Premises & Equipment | - | - | - | $15.12M | $13.47M | $12.10M | $6.88M | $6.27M |
| Other Assets | $183.29M | $172.57M | $148.34M | $56.95M | - | - | - | - |
| Total Assets | $7.30B | $7.07B | $6.27B | $7.12B | $4.33B | $3.36B | $2.18B | $1.76B |
| Total Deposits | $5.98B | $5.74B | $5.28B | $6.44B | $3.82B | $2.79B | $1.66B | $1.40B |
| Other Liabilities | $109.89M | $93.98M | $124.60M | $8.85M | $26.92M | $10.70M | $7.69M | $8.88M |
| Total Liabilities | $6.57B | $6.41B | $5.69B | $6.56B | $3.99B | $3.06B | $1.92B | $1.52B |
| Common Stock | $112.00K | $111.00K | $109.00K | $109.00K | $82.00K | $82.00K | $82.00K | $81.00K |
| Retained Earnings | $382.66M | $315.98M | $240.81M | $181.38M | $120.83M | $81.36M | $51.41M | $25.86M |
| AOCI | $-53.13M | $-52.94M | $-54.30M | $-7.50M | $973.00K | $1.21M | $-473.00K | $-206.00K |
| Total Stockholders Equity | $729.83M | $659.02M | $575.90M | $556.99M | $340.79M | $299.12M | $264.52M | $236.88M |
| Total Liabilities & Equity | $7.30B | $7.07B | $6.27B | $7.12B | $4.33B | $3.36B | $2.18B | $1.76B |
| Breakdown | TTM (Sep 30, 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) |
|---|---|---|---|---|---|---|---|---|---|
| Net Income | $80.01M | $66.69M | $77.27M | $59.42M | $60.55M | $39.47M | $30.13M | $25.55M | $12.37M |
| Provision for Credit Losses | $36.25M | $6.26M | $12.28M | $10.12M | $3.82M | - | - | - | - |
| Depreciation & Amortization | - | - | - | - | - | $2.54M | $1.61M | $1.35M | $978.00K |
| Deferred Taxes | - | $-2.80M | $-2.80M | $-4.00M | $-120.00K | $290.00K | $-1.86M | - | $790.00K |
| Stock-based Compensation | $15.61M | $8.90M | $9.77M | $7.84M | $4.82M | $3.31M | $3.07M | $1.71M | $412.00K |
| Other Operating Adjustments | $-614.00K | $-2.99M | $-75.00K | $225.00K | - | - | - | - | - |
| Operating Cash Flow | $175.26M | $148.46M | $42.43M | $85.89M | $37.28M | $87.27M | $40.96M | $27.06M | $31.47M |
| Purchases of Securities | $255.29M | $72.81M | $46.81M | $33.78M | $484.79M | $234.37M | $226.86M | $7.69M | - |
| Sales of Securities | - | - | - | - | $43.24M | $111.42M | $1.06M | $1.46M | - |
| Maturities of Securities | $134.75M | $53.17M | $42.34M | $76.73M | $124.12M | $64.97M | $23.14M | $5.25M | $6.36M |
| Net Change in Loans | - | - | - | - | - | - | - | $279.79M | $377.12M |
| Capital Expenditures | - | - | - | - | - | - | - | $1.96M | $2.21M |
| Investing Cash Flow | $-1.75B | $-369.61M | $-775.45M | $-1.23B | $-1.30B | $-489.04M | $-1.01B | $-454.57M | $-366.62M |
| Net Change in Deposits | $2.08B | $245.68M | $459.38M | $-1.16B | $2.61B | $1.03B | $1.13B | $256.20M | $410.57M |
| Common Stock Repurchased | - | - | - | - | - | - | - | - | $255.00K |
| Financing Cash Flow | $1.59B | $151.96M | $745.07M | $-958.47M | $2.76B | $876.85M | $1.13B | $399.23M | $513.45M |
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 | $2.48M | $6.22M | $8.66M | $19.39M |
| Interest Expense | $54.69M | $55.22M | $159.46M | $158.29M |
| Income Before Tax | $10.18M | $17.57M | $60.33M | $65.74M |
| Income Tax Expense | $3.06M | $5.30M | $18.09M | $20.47M |
| Net Income | $7.12M | $12.27M | $42.24M | $45.27M |
| Basic EPS | 0.68 | 1.10 | 3.94 | 4.05 |
| Diluted EPS | 0.67 | 1.08 | 3.89 | 4.04 |
Condensed Consolidated Balance Sheets
| Description | Sep 30, 2025 | Dec 31, 2024 |
|---|---|---|
| Cash & Cash Equivalents | $385.94M | $200.27M |
| Total Assets | $8.23B | $7.30B |
| Total Liabilities | $7.50B | $6.57B |
| Common Stock | $113.00K | $112.00K |
| Retained Earnings | $423.34M | $382.66M |
| Total Stockholders Equity | $732.04M | $729.83M |
| Total Liabilities & Equity | $8.23B | $7.30B |
Condensed Consolidated Statements of Cash Flows
| Description | Sep 30, 2025 | Sep 30, 2025 | ||
|---|---|---|---|---|
| Current | Prior Year | Current YTD | Prior Year YTD | |
| Net Income | $7.12M | $12.27M | $42.24M | $45.27M |
| Stock-based Compensation | - | - | $7.07M | $6.60M |
| Operating Cash Flow | - | - | $57.94M | $65.05M |
| Sales of Investments | - | - | $76.05M | $38.16M |
| Investing Cash Flow | - | - | $-738.60M | $-255.04M |
| Stock Repurchased | - | - | $53.27M | - |
| Dividends Paid | - | - | $1.56M | - |
| Financing Cash Flow | - | - | $866.32M | $239.00M |
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.