$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) |
|---|---|---|---|---|---|---|
| Interest Income | $69.29M | $66.88M | $66.14M | $66.98M | $68.33M | $66.34M |
| Interest Expense | $23.93M | $22.26M | $22.46M | $24.13M | $26.48M | $24.99M |
| Net Interest Income | $45.36M | $44.62M | $43.69M | $42.85M | $41.85M | $41.35M |
| 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 |
| Non-Interest Income | $11.94M | $11.32M | $10.42M | $19.12M | $9.51M | $15.17M |
| Non-Interest Expense | $34.13M | $33.76M | $34.26M | $36.99M | $32.58M | $33.33M |
| Compensation & Benefits | $21.12M | $21.12M | $20.38M | $22.89M | $20.05M | $21.25M |
| Occupancy Expense | $2.13M | $2.05M | $2.22M | $1.95M | $1.89M | $1.89M |
| Technology & Equipment | $892.00K | $793.00K | $885.00K | $928.00K | $932.00K | $948.00K |
| Professional Fees | $682.00K | $500.00K | $479.00K | $849.00K | $687.00K | $544.00K |
| Other Non-Interest Expense | $2.12M | $1.59M | $2.30M | $2.25M | $1.96M | $1.78M |
| Income Before Tax | $21.18M | $20.68M | $19.13M | $22.77M | $17.29M | $23.17M |
| Income Tax Expense | $3.67M | $3.80M | $3.54M | $4.31M | $3.48M | $4.64M |
| Net Income | $17.50M | $16.88M | $15.59M | $18.46M | $13.81M | $18.53M |
| Basic EPS | 0.85 | 0.81 | 0.74 | 0.89 | 0.66 | 0.89 |
| Diluted EPS | 0.84 | 0.81 | 0.74 | 0.87 | 0.65 | 0.88 |
| 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 | $56.38M | $74.35M | $60.57M | $56.98M | $61.50M | $54.91M |
| Interest-Bearing Deposits | $152.31M | $71.81M | $67.58M | $62.90M | $60.06M | $159.44M |
| Investment Securities - AFS | $502.58M | $509.51M | $529.68M | $559.18M | $588.95M | $591.97M |
| Investment Securities - HTM | $321.45M | $329.30M | $336.93M | $339.44M | $343.36M | $344.22M |
| Goodwill & Intangibles | $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 |
| Other Assets | $140.60M | $145.72M | $142.58M | $147.55M | $130.26M | $134.15M |
| Total Assets | $5.49B | $5.42B | $5.33B | $5.34B | $5.26B | $5.28B |
| Total Deposits | $4.86B | $4.66B | $4.63B | $4.65B | $4.63B | $4.61B |
| Other Liabilities | $101.36M | $108.45M | $102.79M | $104.94M | $100.68M | $103.39M |
| Total Liabilities | $5.00B | $4.95B | $4.86B | $4.88B | $4.81B | $4.85B |
| Common Stock | $311.77M | $311.65M | $318.37M | $318.78M | $318.22M | $317.68M |
| Retained Earnings | $239.60M | $227.48M | $216.00M | $205.85M | $192.41M | $183.61M |
| AOCI | $-60.63M | $-69.89M | $-67.08M | $-69.94M | $-58.25M | $-70.83M |
| Total Stockholders Equity | $490.74M | $469.25M | $467.28M | $454.69M | $452.37M | $430.46M |
| Total Liabilities & Equity | $5.49B | $5.42B | $5.33B | $5.34B | $5.26B | $5.28B |
| 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 | $17.50M | $16.88M | $15.59M | $18.46M | $13.81M | $18.53M |
| Stock-based Compensation | $1.97M | $1.40M | $758.00K | $588.00K | $1.74M | $1.17M |
| Net Change in Loans HFS | $263.96M | $167.56M | $75.68M | $94.04M | $276.54M | $168.40M |
| Operating Cash Flow | $68.87M | $50.67M | $31.70M | $16.37M | $46.78M | $29.58M |
| Purchases of Securities | $17.96M | $9.51M | $1.00M | - | $3.63M | - |
| Sales of Securities | $30.58M | $26.36M | $22.50M | $86.00K | $39.43M | $37.27M |
| Maturities of Securities | $54.73M | $31.77M | $11.11M | $15.05M | $66.04M | $49.24M |
| Capital Expenditures | $5.06M | $3.40M | $1.12M | $4.01M | $3.94M | $2.45M |
| Investing Cash Flow | $-76.93M | $-67.30M | $3.33M | $-85.23M | $-32.93M | $34.55M |
| Net Change in Deposits | $205.07M | $5.27M | $-20.16M | $27.21M | $4.00M | $-8.55M |
| Common Stock Repurchased | $7.77M | $7.36M | $33.00K | - | - | - |
| Dividends Paid | $16.22M | $10.84M | $5.45M | $5.01M | $15.03M | $10.02M |
| Financing Cash Flow | $96.87M | $42.91M | $-26.77M | $67.18M | $-62.07M | $-19.56M |
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.