$149.56M
Net Interest Income
$59.07M
Net Income
62.3%
Efficiency Ratio
2.80%
Net Int. Margin
17.0%
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) |
Q1 2024 (Mar 31, 2024) |
Q4 2023 (Dec 31, 2023) |
Q3 2023 (Sep 30, 2023) |
Q2 2023 (Jun 30, 2023) |
Q1 2023 (Mar 31, 2023) |
Q4 2022 (Dec 31, 2022) |
Q3 2022 (Sep 30, 2022) |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Interest Income | $69.29M | $66.88M | $66.14M | $66.98M | $68.33M | $66.34M | $65.13M | $65.36M | $62.43M | $57.95M | $53.94M | $50.98M | $44.92M |
| Interest Expense | $23.93M | $22.26M | $22.46M | $24.13M | $26.48M | $24.99M | $24.93M | $25.25M | $23.00M | $19.60M | $15.49M | $10.38M | $5.03M |
| Net Interest Income | $45.36M | $44.62M | $43.69M | $42.85M | $41.85M | $41.35M | $40.20M | $40.11M | $39.43M | $38.35M | $38.44M | $40.60M | $39.90M |
| Provision for Credit Losses | $1.99M | $1.50M | $721.00K | $2.22M | - | - | - | - | - | - | - | - | - |
| Net Interest Income After Provision | $43.37M | $43.12M | $42.96M | $40.63M | $40.37M | $41.33M | $39.45M | $40.73M | $38.08M | $35.03M | $36.28M | $39.21M | $36.75M |
| Non-Interest Income | $11.94M | $11.32M | $10.42M | $19.12M | $9.51M | $15.17M | $12.56M | $9.10M | $15.61M | $15.42M | $10.55M | $11.47M | $16.86M |
| Non-Interest Expense | $34.13M | $33.76M | $34.26M | $36.99M | $32.58M | $33.33M | $32.19M | $31.88M | $32.04M | $32.25M | $30.96M | $32.09M | $32.37M |
| Compensation & Benefits | $21.12M | $21.12M | $20.38M | $22.89M | $20.05M | $21.25M | $20.77M | $19.05M | $19.98M | $20.60M | $19.34M | $20.39M | $20.60M |
| Occupancy Expense | $2.13M | $2.05M | $2.22M | $1.95M | $1.89M | $1.89M | $2.07M | $1.93M | $1.97M | $1.84M | $2.16M | $2.23M | $2.06M |
| Technology & Equipment | $892.00K | $793.00K | $885.00K | $928.00K | $932.00K | $948.00K | $954.00K | $974.00K | $927.00K | $929.00K | $926.00K | $933.00K | $987.00K |
| Professional Fees | $682.00K | $500.00K | $479.00K | $849.00K | $687.00K | $544.00K | $486.00K | $585.00K | $543.00K | $473.00K | $607.00K | $588.00K | $573.00K |
| Other Non-Interest Expense | $2.12M | $1.59M | $2.30M | $2.25M | $1.96M | $1.78M | $1.81M | $2.30M | $1.85M | $1.92M | $1.84M | $1.95M | $1.75M |
| Income Before Tax | $21.18M | $20.68M | $19.13M | $22.77M | $17.29M | $23.17M | $19.82M | $17.95M | $21.65M | $18.20M | $15.88M | $18.59M | $21.25M |
| Income Tax Expense | $3.67M | $3.80M | $3.54M | $4.31M | $3.48M | $4.64M | $3.83M | $4.20M | $4.11M | $3.41M | $2.88M | $3.50M | $3.95M |
| Net Income | $17.50M | $16.88M | $15.59M | $18.46M | $13.81M | $18.53M | $15.99M | $13.74M | $17.54M | $14.79M | $12.99M | $15.09M | $17.30M |
| Basic EPS | 0.85 | 0.81 | 0.74 | 0.89 | 0.66 | 0.89 | 0.77 | 0.66 | 0.84 | 0.70 | 0.62 | 0.71 | 0.82 |
| Diluted EPS | 0.84 | 0.81 | 0.74 | 0.87 | 0.65 | 0.88 | 0.76 | 0.65 | 0.83 | 0.70 | 0.61 | 0.70 | 0.81 |
| 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) |
Q1 2024 (Mar 31, 2024) |
Q4 2023 (Dec 31, 2023) |
Q3 2023 (Sep 30, 2023) |
Q2 2023 (Jun 30, 2023) |
Q1 2023 (Mar 31, 2023) |
Q4 2022 (Dec 31, 2022) |
Q3 2022 (Sep 30, 2022) |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Cash & Due from Banks | $56.38M | $74.35M | $60.57M | $56.98M | $61.50M | $54.91M | $41.65M | $68.21M | $58.57M | $61.23M | $47.82M | $70.18M | $57.06M |
| Interest-Bearing Deposits | $152.31M | $71.81M | $67.58M | $62.90M | $60.06M | $159.44M | $120.20M | $101.57M | $68.89M | $67.97M | $179.20M | $4.19M | $13.57M |
| Investment Securities - AFS | $502.58M | $509.51M | $529.68M | $559.18M | $588.95M | $591.97M | $613.62M | $679.35M | $684.64M | $731.78M | $767.53M | $779.35M | $804.27M |
| Investment Securities - HTM | $321.45M | $329.30M | $336.93M | $339.44M | $343.36M | $344.22M | $349.96M | $353.99M | $358.90M | $360.93M | $369.58M | $374.82M | - |
| Allowance for Loan Losses | - | - | - | - | - | - | - | - | - | - | - | - | $51.14M |
| Goodwill & Intangibles | $28.30M | $28.30M | $28.30M | $28.30M | $28.30M | $28.30M | $28.30M | $28.30M | $28.30M | $28.30M | $28.30M | $28.30M | $28.30M |
| Premises & Equipment | $38.80M | $38.41M | $37.37M | $37.49M | $35.25M | $35.04M | $34.59M | $35.52M | $35.35M | $36.16M | $35.76M | $35.89M | $35.71M |
| Other Assets | $140.60M | $145.72M | $142.58M | $147.55M | $130.26M | $134.15M | $133.40M | $132.50M | $145.31M | $131.79M | $116.75M | $128.90M | $126.22M |
| Total Assets | $5.49B | $5.42B | $5.33B | $5.34B | $5.26B | $5.28B | $5.23B | $5.26B | $5.20B | $5.14B | $5.14B | $5.00B | $4.93B |
| Total Deposits | $4.86B | $4.66B | $4.63B | $4.65B | $4.63B | $4.61B | $4.58B | $4.62B | $4.59B | $4.49B | $4.54B | $4.38B | $4.33B |
| Other Liabilities | $101.36M | $108.45M | $102.79M | $104.94M | $100.68M | $103.39M | $104.02M | $107.13M | $110.19M | $103.58M | $97.31M | $108.02M | $106.28M |
| Total Liabilities | $5.00B | $4.95B | $4.86B | $4.88B | $4.81B | $4.85B | $4.82B | $4.86B | $4.83B | $4.76B | $4.77B | $4.65B | $4.60B |
| Common Stock | $311.77M | $311.65M | $318.37M | $318.78M | $318.22M | $317.68M | $317.10M | $317.48M | $317.14M | $318.24M | $321.03M | $320.99M | $320.44M |
| Retained Earnings | $239.60M | $227.48M | $216.00M | $205.85M | $192.41M | $183.61M | $170.10M | $159.11M | $150.16M | $137.43M | $127.50M | $119.37M | $108.92M |
| AOCI | $-60.63M | $-69.89M | $-67.08M | $-69.94M | $-58.25M | $-70.83M | $-71.63M | $-72.14M | $-92.30M | $-80.51M | $-80.81M | $-92.76M | $-97.05M |
| Total Stockholders Equity | $490.74M | $469.25M | $467.28M | $454.69M | $452.37M | $430.46M | $415.57M | $404.45M | $375.00M | $375.16M | $367.71M | $347.60M | $332.31M |
| Total Liabilities & Equity | $5.49B | $5.42B | $5.33B | $5.34B | $5.26B | $5.28B | $5.23B | $5.26B | $5.20B | $5.14B | $5.14B | $5.00B | $4.93B |
| 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) |
Q1 2024 (Mar 31, 2024) |
Q4 2023 (Dec 31, 2023) |
Q3 2023 (Sep 30, 2023) |
Q2 2023 (Jun 30, 2023) |
Q1 2023 (Mar 31, 2023) |
Q4 2022 (Dec 31, 2022) |
Q3 2022 (Sep 30, 2022) |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net Income | $17.50M | $16.88M | $15.59M | $18.46M | $13.81M | $18.53M | $15.99M | $13.74M | $45.32M | $27.78M | $12.99M | $15.09M | $17.30M |
| Stock-based Compensation | $1.97M | $1.40M | $758.00K | $588.00K | $1.74M | $1.17M | $591.00K | $559.00K | $1.67M | $1.05M | $569.00K | $554.00K | $1.59M |
| Net Change in Loans HFS | $263.96M | $167.56M | $75.68M | $94.04M | $276.54M | $168.40M | $70.80M | $78.57M | $255.60M | $146.40M | $54.43M | $132.82M | $381.42M |
| Operating Cash Flow | $68.87M | $50.67M | $31.70M | $16.37M | $46.78M | $29.58M | $20.83M | $16.80M | $58.79M | $33.35M | $23.56M | $-736.00K | $95.37M |
| Purchases of Securities | $17.96M | $9.51M | $1.00M | - | $3.63M | - | - | - | - | - | - | - | $137.55M |
| Sales of Securities | $30.58M | $26.36M | $22.50M | $86.00K | $39.43M | $37.27M | $37.27M | - | $278.00K | $278.00K | $278.00K | - | $70.52M |
| Maturities of Securities | $54.73M | $31.77M | $11.11M | $15.05M | $66.04M | $49.24M | $27.48M | $33.49M | $89.31M | $59.51M | $27.74M | $29.95M | $137.60M |
| Capital Expenditures | $5.06M | $3.40M | $1.12M | $4.01M | $3.94M | $2.45M | $676.00K | $1.51M | $4.51M | $3.07M | $1.32M | $1.71M | $3.97M |
| Investing Cash Flow | $-76.93M | $-67.30M | $3.33M | $-85.23M | $-32.93M | $34.55M | $17.69M | $-6.75M | $-156.20M | $-77.59M | $4.78M | $-42.23M | $-382.36M |
| Net Change in Deposits | $205.07M | $5.27M | $-20.16M | $27.21M | $4.00M | $-8.55M | $-40.47M | $37.27M | $206.54M | $108.57M | $165.68M | $52.04M | $209.94M |
| Common Stock Repurchased | $7.77M | $7.36M | $33.00K | - | - | - | - | $194.00K | $4.96M | $3.27M | - | - | $4.01M |
| Dividends Paid | $16.22M | $10.84M | $5.45M | $5.01M | $15.03M | $10.02M | $5.00M | $4.79M | $14.54M | $9.72M | $4.86M | $4.63M | $13.93M |
| Financing Cash Flow | $96.87M | $42.91M | $-26.77M | $67.18M | $-62.07M | $-19.56M | $-46.46M | $32.27M | $150.50M | $99.06M | $124.31M | $46.71M | $248.15M |
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-Q filings.
Quarterly data represents single quarter results (Q1-Q4). Some items may show year-to-date values if quarterly breakdown is unavailable.