$267.88M
Net Interest Income
$15.49M
Net Income
-
Efficiency Ratio
0.92%
Net Int. Margin
5.7%
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) |
|---|---|---|---|---|---|
| Interest Income | $1.92B | $1.91B | $12.19M | $47.64M | - |
| Interest Expense | $1.64B | $1.64B | $118.73M | $151.74M | - |
| Net Interest Income | $277.22M | $267.93M | $-106.53M | $-104.10M | - |
| Total Revenue | $318.30M | $338.17M | $234.25M | $573.24M | - |
| Revenue Growth % | -5.9% | 44.4% | -59.1% | nan% | - |
| Compensation & Benefits | $141.35M | $138.36M | $178.32M | $663.33M | - |
| Occupancy Expense | - | - | - | $28.39M | - |
| Marketing Expense | $44.11M | $39.43M | $31.90M | $13.03M | - |
| Income Before Tax | $-10.72M | $42.82M | $-166.84M | $-732.05M | - |
| Income Tax Expense | $1.02M | $2.40M | $-593.00K | $-16.52M | - |
| Net Income | $-3.47M | $15.49M | $-80.09M | $-190.68M | - |
| Net Margin % | -1.1% | 4.6% | -34.2% | -33.3% | - |
| Basic EPS | -0.94 | 1.57 | -0.98 | -3.06 | - |
| Diluted EPS | -2.00 | 1.18 | -0.98 | -3.12 | - |
| Breakdown | FY 2024 (Dec 31, 2024) |
FY 2023 (Dec 31, 2023) |
FY 2022 (Dec 31, 2022) |
FY 2021 (Dec 31, 2021) |
|---|---|---|---|---|
| Cash & Due from Banks | $47.38M | $46.48M | $97.36M | $141.24M |
| Goodwill & Intangibles | - | - | - | - |
| Premises & Equipment | - | - | $19.02M | $29.26M |
| Other Assets | $157.26M | $221.91M | $311.49M | $358.38M |
| Total Assets | $29.16B | $27.11B | $20.87B | $21.79B |
| Total Liabilities | $28.84B | $26.84B | $20.47B | $20.71B |
| Retained Earnings | $-698.89M | $-714.38M | $-634.29M | $-443.61M |
| AOCI | $-276.00K | $-249.00K | $-273.00K | $-110.00K |
| Total Stockholders Equity | $315.66M | $272.41M | $404.84M | $1.08B |
| Total Liabilities & Equity | $29.16B | $27.11B | $20.87B | $21.79B |
| 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) |
|---|---|---|---|---|---|
| Net Income | $26.74M | $15.49M | $-80.09M | $-190.68M | - |
| Depreciation & Amortization | $48.35M | $38.95M | $47.55M | $64.99M | - |
| Net Change in Loans HFS | - | $9.88M | $211.49M | $14.31B | - |
| Other Operating Adjustments | - | $8.65M | $-1.56M | - | - |
| Operating Cash Flow | $-725.14M | $-423.81M | $-71.57M | $1.41B | - |
| Sales of Securities | - | - | - | $13.06M | - |
| Capital Expenditures | - | - | - | $11.24M | - |
| Acquisitions | - | - | $140.85M | - | - |
| Investing Cash Flow | $515.25M | $114.80M | $158.14M | $-1.82B | - |
| Financing Cash Flow | $276.56M | $386.21M | $-139.23M | $225.21M | - |
| Net Change in Cash | $66.59M | $77.17M | $-52.63M | $-186.21M | - |
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 | $80.85M | $290.07M | $423.92M | $443.79M |
| Operating Expenses | $104.59M | $80.31M | $280.02M | $256.67M |
| Interest Expense | $14.49M | $9.22M | $488.63M | $274.89M |
| Other Income/Expense | $-4.81M | $-1.59M | $-8.80M | $2.10M |
| Income Before Tax | $-28.55M | $208.17M | $135.09M | $188.62M |
| Income Tax Expense | $130.00K | $4.42M | $4.21M | $5.58M |
| Net Income | $-9.52M | $84.20M | $55.62M | $74.58M |
| Basic EPS | -1.05 | 8.48 | 5.51 | 7.59 |
| Diluted EPS | -1.27 | 7.50 | 4.08 | 6.47 |
| Basic Shares Outstanding | $9.07M | $9.92M | $10.09M | $9.82M |
| Diluted Shares Outstanding | $19.24M | $23.16M | $28.49M | $23.06M |
Condensed Consolidated Balance Sheets
| Description | Sep 30, 2025 | Dec 31, 2024 |
|---|---|---|
| Cash & Cash Equivalents | $109.79M | $47.38M |
| Intangible Assets | $188.91M | $216.34M |
| Total Assets | $30.66B | $29.16B |
| Total Liabilities | $30.29B | $28.84B |
| Retained Earnings | $-643.28M | $-698.89M |
| Total Stockholders Equity | $365.83M | $315.66M |
| Total Liabilities & Equity | $30.66B | $29.16B |
Condensed Consolidated Statements of Cash Flows
| Description | Sep 30, 2025 | Sep 30, 2025 | ||
|---|---|---|---|---|
| Current | Prior Year | Current YTD | Prior Year YTD | |
| Net Income | $-9.52M | $84.20M | $55.62M | $74.58M |
| Depreciation & Amortization | $9.64M | $9.78M | $28.95M | $29.21M |
| Operating Cash Flow | - | - | $-338.30M | $-317.61M |
| Investing Cash Flow | - | - | $447.10M | $275.60M |
| Financing Cash Flow | - | - | $-8.38M | $37.55M |
| Net Change in Cash | - | - | $100.42M | $-4.44M |
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.