$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) |
FY 2019 (Dec 31, 2019) |
FY 2018 (Dec 31, 2018) |
FY 2017 (Dec 31, 2017) |
FY 2016 (Dec 31, 2016) |
FY 2015 (Dec 31, 2015) |
FY 2014 (Dec 31, 2014) |
FY 2013 (Dec 31, 2013) |
FY 2012 (Dec 31, 2012) |
FY 2011 (Dec 31, 2011) |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Interest Income | $269.29M | $266.78M | $239.68M | $169.01M | $138.08M | $139.83M | $148.93M | $130.77M | $98.31M | $86.52M | $80.84M | $80.56M | $87.12M | $99.40M | $114.76M |
| Interest Expense | $92.78M | $100.53M | $83.35M | $19.45M | $8.31M | $16.22M | $26.35M | $17.49M | $9.12M | $6.88M | $5.86M | $7.30M | $9.16M | $13.14M | $20.19M |
| Net Interest Income | $176.51M | $166.25M | $156.33M | $149.56M | $129.76M | $123.61M | $122.58M | $113.28M | $89.19M | $79.64M | $74.99M | $73.26M | $77.96M | $86.25M | $94.57M |
| Provision for Credit Losses | $6.43M | $4.47M | $6.21M | $5.34M | $-1.93M | $12.46M | $824.00K | - | - | - | - | - | - | - | - |
| Net Interest Income After Provision | $170.08M | $161.78M | $150.12M | $144.22M | $131.69M | $111.15M | $121.76M | $111.78M | $87.99M | $80.95M | $77.70M | $76.39M | $81.95M | $79.37M | $66.62M |
| Non-Interest Income | $52.81M | $56.36M | $50.68M | $61.91M | $76.64M | $80.75M | $47.74M | $44.81M | $42.53M | $42.30M | $40.13M | $38.77M | $44.83M | $63.56M | $46.91M |
| Non-Interest Expense | $139.14M | $135.10M | $127.12M | $128.34M | $131.02M | $122.41M | $111.73M | $107.46M | $92.08M | $90.35M | $88.45M | $89.95M | $104.12M | $116.73M | $133.95M |
| Compensation & Benefits | $85.52M | $84.95M | $78.97M | $81.01M | $79.97M | $74.78M | $67.50M | $62.08M | $55.09M | $49.58M | $48.19M | $47.22M | $47.92M | $53.98M | $50.48M |
| Occupancy Expense | $8.35M | $7.81M | $7.91M | $8.91M | $8.79M | $8.94M | $9.01M | $8.91M | $8.10M | $8.02M | $8.37M | $8.91M | $8.85M | $10.10M | $11.18M |
| Technology & Equipment | $3.50M | $3.76M | $3.76M | $4.01M | $4.17M | $4.09M | $4.11M | $4.08M | $3.87M | $3.91M | $3.89M | $4.14M | $4.29M | $5.04M | $5.54M |
| Professional Fees | $2.51M | $2.57M | $2.21M | $2.13M | $2.07M | $2.03M | $1.81M | $1.84M | $1.89M | $1.74M | $2.01M | $1.97M | $2.46M | $4.17M | $3.94M |
| Other Non-Interest Expense | $8.26M | $7.80M | $7.91M | $7.47M | $8.16M | $7.80M | $8.49M | $7.62M | $6.40M | $5.81M | $6.25M | $6.60M | $6.86M | $6.73M | $8.59M |
| Income Before Tax | $83.75M | $83.05M | $73.68M | $77.79M | $77.31M | $69.48M | $57.76M | - | - | - | - | - | - | - | - |
| Income Tax Expense | $15.32M | $16.26M | $14.61M | $14.44M | $14.42M | $13.33M | $11.32M | $9.29M | $17.96M | $10.13M | $9.36M | $7.20M | $-54.85M | - | $-212.00K |
| Net Income | $68.43M | $66.79M | $59.07M | $63.35M | $62.90M | $56.15M | $46.44M | $39.84M | $20.48M | $22.77M | $20.02M | $18.02M | $77.51M | $26.20M | $-20.20M |
| Basic EPS | 3.29 | 3.20 | 2.82 | 3.00 | 2.91 | 2.56 | 2.03 | 1.70 | 0.96 | 1.06 | 0.88 | 0.79 | 5.87 | 2.51 | -2.94 |
| Diluted EPS | 3.26 | 3.16 | 2.79 | 2.97 | 2.88 | 2.53 | 2.00 | 1.68 | 0.95 | 1.05 | 0.86 | 0.77 | 3.55 | 0.80 | -2.94 |
| 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) |
FY 2016 (Dec 31, 2016) |
FY 2015 (Dec 31, 2015) |
FY 2014 (Dec 31, 2014) |
FY 2013 (Dec 31, 2013) |
FY 2012 (Dec 31, 2012) |
FY 2011 (Dec 31, 2011) |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Cash & Due from Banks | $56.98M | $68.21M | $70.18M | $51.07M | $56.01M | $53.30M | $23.35M | $36.99M | $35.24M | $54.26M | $48.33M | $48.16M | $55.49M | $62.78M |
| Interest-Bearing Deposits | $62.90M | $101.57M | $4.19M | $58.40M | $62.70M | $12.01M | $46.89M | $17.74M | $47.96M | $31.52M | $25.69M | $70.92M | - | - |
| Trading Assets | - | - | - | - | - | - | - | $455.00K | $410.00K | $148.00K | $203.00K | $498.00K | $110.00K | $77.00K |
| 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 | $2.70B | $2.56B | $2.00B | $1.59B | $1.49B | $1.38B | $1.34B | $1.37B | $1.52B |
| Goodwill & Intangibles | $28.30M | $28.30M | $28.30M | $28.30M | $28.30M | $28.30M | $28.30M | - | - | - | - | - | - | - |
| Premises & Equipment | $37.49M | $35.52M | $35.89M | $36.40M | $36.13M | $38.41M | $38.78M | $39.15M | $40.17M | $43.10M | $45.95M | $48.59M | $47.02M | $62.55M |
| Other Assets | $147.55M | $132.50M | $128.90M | $66.14M | $62.46M | $42.75M | $34.87M | $29.55M | $28.64M | $23.73M | $23.59M | $22.56M | $22.16M | $18.82M |
| Total Assets | $5.34B | $5.26B | $5.00B | $4.70B | $4.20B | $3.56B | $3.35B | $2.79B | $2.55B | $2.41B | $2.25B | $2.21B | $2.02B | $2.31B |
| Total Deposits | $4.65B | $4.62B | $4.38B | $4.12B | $3.64B | $3.04B | $2.91B | $2.40B | $2.23B | $2.09B | $1.92B | $1.88B | $1.78B | $2.09B |
| Other Liabilities | $104.94M | $107.13M | $108.02M | $80.21M | $68.32M | $49.70M | $35.77M | $33.72M | $28.53M | $23.69M | $24.04M | $31.56M | $33.83M | $28.46M |
| Total Liabilities | $4.88B | $4.86B | $4.65B | $4.31B | $3.81B | $3.21B | $3.01B | $2.52B | $2.30B | $2.16B | $2.00B | $1.98B | $1.89B | $2.20B |
| Common Stock | $318.78M | $317.48M | $320.99M | $323.40M | $339.35M | $352.34M | $377.37M | $324.99M | $323.75M | $339.46M | $352.46M | $351.17M | $251.24M | $248.95M |
| Retained Earnings | $205.85M | $159.11M | $119.37M | $74.58M | $40.15M | $1.61M | $-28.27M | $-54.05M | $-65.66M | $-82.33M | $-96.45M | $-110.35M | $-192.41M | $-214.26M |
| AOCI | $-69.94M | $-72.14M | $-92.76M | $501.00K | $10.02M | $-3.79M | $-10.11M | $-6.00M | $-9.11M | $-6.04M | $-5.64M | $-9.24M | $-8.06M | $-11.92M |
| Total Stockholders Equity | $454.69M | $404.45M | $347.60M | $398.48M | $389.52M | $350.17M | $338.99M | $264.93M | $248.98M | $251.09M | $250.37M | $231.58M | $134.97M | $102.63M |
| Total Liabilities & Equity | $5.34B | $5.26B | $5.00B | $4.70B | $4.20B | $3.56B | $3.35B | $2.79B | $2.55B | $2.41B | $2.25B | $2.21B | $2.02B | $2.31B |
| 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) |
FY 2016 (Dec 31, 2016) |
FY 2015 (Dec 31, 2015) |
FY 2014 (Dec 31, 2014) |
FY 2013 (Dec 31, 2013) |
FY 2012 (Dec 31, 2012) |
FY 2011 (Dec 31, 2011) |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net Income | $68.43M | $66.79M | $59.07M | $63.35M | $62.90M | $56.15M | $46.44M | $39.84M | $20.48M | $22.77M | $20.02M | $18.02M | $77.51M | $26.20M | $-20.20M |
| Provision for Credit Losses | - | - | - | - | - | $12.46M | $824.00K | - | - | - | - | - | - | - | - |
| Stock-based Compensation | $4.71M | $2.33M | $2.23M | $2.14M | $1.95M | $1.98M | $1.85M | $1.73M | $1.75M | $1.62M | $1.48M | $1.19M | $1.24M | $869.00K | $1.21M |
| Net Change in Loans HFS | $601.24M | $370.57M | $334.17M | $514.24M | $1.21B | $1.44B | $647.61M | $457.08M | $426.41M | $322.34M | $285.61M | $226.55M | $378.32M | $512.73M | $376.69M |
| Operating Cash Flow | $167.60M | $63.15M | $75.59M | $94.63M | $110.15M | $58.68M | $33.98M | $44.92M | $38.61M | $23.70M | $22.86M | - | $52.07M | $29.39M | $35.41M |
| Purchases of Securities | $28.47M | - | - | $137.55M | $824.35M | $859.07M | $237.67M | - | - | - | - | - | - | - | - |
| Sales of Securities | $79.53M | $39.52M | $278.00K | $70.52M | $85.37M | $38.09M | $68.72M | - | - | - | - | - | - | - | - |
| Maturities of Securities | $112.67M | $81.09M | $122.81M | $167.55M | $375.72M | $306.69M | $153.94M | $160.63M | $173.72M | $203.03M | $167.04M | - | - | - | - |
| Net Change in Loans | - | - | - | - | - | - | - | $344.33M | $406.86M | $107.47M | $74.34M | $37.20M | $-33.19M | $-90.95M | $-196.56M |
| Capital Expenditures | $13.59M | $7.95M | $6.02M | $5.68M | $5.84M | $4.38M | $4.94M | $3.86M | $4.24M | $3.46M | $4.35M | $4.30M | $8.37M | $5.29M | $2.56M |
| Investing Cash Flow | $-226.13M | $-118.16M | $-162.94M | $-424.59M | $-563.06M | $-553.91M | $-181.64M | $-183.37M | $-277.58M | $-138.85M | $-160.51M | - | $-221.07M | $-273.89M | $127.45M |
| Net Change in Deposits | $217.39M | $31.21M | $243.81M | $261.98M | $479.74M | $600.63M | $123.30M | $225.19M | $174.81M | $139.76M | $170.31M | $39.50M | $105.27M | $96.43M | $-165.71M |
| Common Stock Repurchased | $15.16M | - | $5.16M | $4.01M | $17.27M | $14.23M | $26.28M | $12.68M | - | $16.85M | $13.50M | - | - | - | - |
| Dividends Paid | $37.52M | $20.05M | $19.33M | $18.57M | $18.16M | $17.62M | $16.55M | $14.05M | $8.96M | $7.27M | $5.90M | $4.13M | - | - | - |
| Financing Cash Flow | $180.19M | $5.11M | $182.77M | $294.86M | $443.68M | $548.62M | $142.72M | $153.95M | $210.51M | $112.56M | $149.43M | - | $108.30M | $83.18M | $-207.13M |
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.