$149.56M
Net Interest Income
$59.07M
Net Income
62.3%
Efficiency Ratio
2.80%
Net Int. Margin
17.0%
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) |
|---|---|---|---|---|---|---|
| Interest Income | $269.29M | $266.78M | $239.68M | $169.01M | $138.08M | $139.83M |
| Interest Expense | $92.78M | $100.53M | $83.35M | $19.45M | $8.31M | $16.22M |
| Net Interest Income | $176.51M | $166.25M | $156.33M | $149.56M | $129.76M | $123.61M |
| Provision for Credit Losses | $6.43M | $4.47M | $6.21M | $5.34M | $-1.93M | $12.46M |
| Net Interest Income After Provision | $170.08M | $161.78M | $150.12M | $144.22M | $131.69M | $111.15M |
| Non-Interest Income | $52.81M | $56.36M | $50.68M | $61.91M | $76.64M | $80.75M |
| Non-Interest Expense | $139.14M | $135.10M | $127.12M | $128.34M | $131.02M | $122.41M |
| Compensation & Benefits | $85.52M | $84.95M | $78.97M | $81.01M | $79.97M | $74.78M |
| Occupancy Expense | $8.35M | $7.81M | $7.91M | $8.91M | $8.79M | $8.94M |
| Technology & Equipment | $3.50M | $3.76M | $3.76M | $4.01M | $4.17M | $4.09M |
| Professional Fees | $2.51M | $2.57M | $2.21M | $2.13M | $2.07M | $2.03M |
| Other Non-Interest Expense | $8.26M | $7.80M | $7.91M | $7.47M | $8.16M | $7.80M |
| Income Before Tax | $83.75M | $83.05M | $73.68M | $77.79M | $77.31M | $69.48M |
| Income Tax Expense | $15.32M | $16.26M | $14.61M | $14.44M | $14.42M | $13.33M |
| Net Income | $68.43M | $66.79M | $59.07M | $63.35M | $62.90M | $56.15M |
| Basic EPS | 3.29 | 3.20 | 2.82 | 3.00 | 2.91 | 2.56 |
| Diluted EPS | 3.26 | 3.16 | 2.79 | 2.97 | 2.88 | 2.53 |
| 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) |
|---|---|---|---|---|---|
| Cash & Due from Banks | $56.98M | $68.21M | $70.18M | $51.07M | $56.01M |
| Interest-Bearing Deposits | $62.90M | $101.57M | $4.19M | $58.40M | $62.70M |
| Investment Securities - AFS | $559.18M | $679.35M | $779.35M | $1.41B | $1.07B |
| Investment Securities - HTM | $339.44M | $353.99M | $374.82M | - | - |
| Allowance for Loan Losses | - | - | - | $47.25M | - |
| Loans & Leases (Net) | - | - | - | - | $2.70B |
| Goodwill & Intangibles | $28.30M | $28.30M | $28.30M | $28.30M | $28.30M |
| Premises & Equipment | $37.49M | $35.52M | $35.89M | $36.40M | $36.13M |
| Other Assets | $147.55M | $132.50M | $128.90M | $66.14M | $62.46M |
| Total Assets | $5.34B | $5.26B | $5.00B | $4.70B | $4.20B |
| Total Deposits | $4.65B | $4.62B | $4.38B | $4.12B | $3.64B |
| Other Liabilities | $104.94M | $107.13M | $108.02M | $80.21M | $68.32M |
| Total Liabilities | $4.88B | $4.86B | $4.65B | $4.31B | $3.81B |
| Common Stock | $318.78M | $317.48M | $320.99M | $323.40M | $339.35M |
| Retained Earnings | $205.85M | $159.11M | $119.37M | $74.58M | $40.15M |
| AOCI | $-69.94M | $-72.14M | $-92.76M | $501.00K | $10.02M |
| Total Stockholders Equity | $454.69M | $404.45M | $347.60M | $398.48M | $389.52M |
| Total Liabilities & Equity | $5.34B | $5.26B | $5.00B | $4.70B | $4.20B |
| 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) |
|---|---|---|---|---|---|---|
| Net Income | $68.43M | $66.79M | $59.07M | $63.35M | $62.90M | $56.15M |
| Provision for Credit Losses | - | - | - | - | - | $12.46M |
| Stock-based Compensation | $4.71M | $2.33M | $2.23M | $2.14M | $1.95M | $1.98M |
| Net Change in Loans HFS | $601.24M | $370.57M | $334.17M | $514.24M | $1.21B | $1.44B |
| Operating Cash Flow | $167.60M | $63.15M | $75.59M | $94.63M | $110.15M | $58.68M |
| Purchases of Securities | $28.47M | - | - | $137.55M | $824.35M | $859.07M |
| Sales of Securities | $79.53M | $39.52M | $278.00K | $70.52M | $85.37M | $38.09M |
| Maturities of Securities | $112.67M | $81.09M | $122.81M | $167.55M | $375.72M | $306.69M |
| Capital Expenditures | $13.59M | $7.95M | $6.02M | $5.68M | $5.84M | $4.38M |
| Investing Cash Flow | $-226.13M | $-118.16M | $-162.94M | $-424.59M | $-563.06M | $-553.91M |
| Net Change in Deposits | $217.39M | $31.21M | $243.81M | $261.98M | $479.74M | $600.63M |
| Common Stock Repurchased | $15.16M | - | $5.16M | $4.01M | $17.27M | $14.23M |
| Dividends Paid | $37.52M | $20.05M | $19.33M | $18.57M | $18.16M | $17.62M |
| Financing Cash Flow | $180.19M | $5.11M | $182.77M | $294.86M | $443.68M | $548.62M |
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 | $23.93M | $26.48M | $68.52M | $78.72M |
| Income Before Tax | $21.18M | $17.29M | $60.98M | $60.28M |
| Income Tax Expense | $3.67M | $3.48M | $11.01M | $11.95M |
| Net Income | $17.50M | $13.81M | $49.97M | $48.33M |
| Basic EPS | 0.85 | 0.66 | 2.40 | 2.31 |
| Diluted EPS | 0.84 | 0.65 | 2.38 | 2.29 |
Condensed Consolidated Balance Sheets
| Description | Sep 30, 2025 | Dec 31, 2024 |
|---|---|---|
| Cash & Cash Equivalents | $208.69M | $119.88M |
| Property Plant & Equipment | $38.80M | $37.49M |
| Goodwill | $28.30M | $28.30M |
| Intangible Assets | $1.12M | $1.49M |
| Total Assets | $5.49B | $5.34B |
| Total Liabilities | $5.00B | $4.88B |
| Common Stock | $311.77M | $318.78M |
| Retained Earnings | $239.60M | $205.85M |
| Total Stockholders Equity | $490.74M | $454.69M |
| Total Liabilities & Equity | $5.49B | $5.34B |
Condensed Consolidated Statements of Cash Flows
| Description | Sep 30, 2025 | Sep 30, 2025 | ||
|---|---|---|---|---|
| Current | Prior Year | Current YTD | Prior Year YTD | |
| Net Income | $17.50M | $13.81M | $49.97M | $48.33M |
| Stock-based Compensation | - | - | $1.97M | $1.74M |
| Operating Cash Flow | - | - | $68.87M | $46.78M |
| Capital Expenditure | - | - | $5.06M | $3.94M |
| Sales of Investments | - | - | $54.73M | $66.04M |
| Investing Cash Flow | - | - | $-76.93M | $-32.93M |
| Stock Repurchased | - | - | $7.77M | - |
| Dividends Paid | - | - | $16.22M | $15.03M |
| Financing Cash Flow | - | - | $96.87M | $-62.07M |
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.