| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Debt securities available-for-sale | $924K-37.7% | $1.5M-2.4% | $1.5M | $0-100.0% | $3.69 |
| Loans and fees on loans | $146.3M+31.9% | $110.9M+32.0% | $84.0M+135.3% | $35.7M+37.6% | $26.0M |
| Other interest earning assets | $11.2M+24.0% | $9.0M+2.1% | $8.9M | $0 | $0 |
| Total interest income | $158.4M+30.5% | $121.4M+28.7% | $94.4M+144.4% | $38.6M-51.1% | $79.0M |
| Interest expense | $13.8M+97.9% | $7.0M-40.3% | $11.7M+192.0% | $4.0M+160.3% | $1.5M |
| Deposits | $41.9M+46.0% | $28.7M+81.0% | $15.8M | $0 | $0 |
| Total interest expense | $98.5M+21.5% | $81.1M+19.7% | $67.7M+157.3% | $26.3M+28.3% | $20.5M |
| Net interest income | $59.9M+48.6% | $40.3M+51.3% | $26.6M+116.7% | $12.3M-79.0% | $58.5M |
| Provision for credit losses | $38.7M+47.7% | $26.2M+124.0% | $11.7M | $0 | $0 |
| Net interest income after provision for credit losses | $21.2M+50.2% | $14.1M-5.6% | $14.9M+21.5% | $12.3M-79.0% | $58.5M |
| Dividend income | $3.2M+111.4% | $1.5M-13.5% | $1.8M-92.9% | $24.7M+149.2% | $9.9M |
| Net loss on loan servicing assets | -$16.7M-31.8% | -$12.7M-195.8% | -$4.3M+57.6% | -$10.1M | — |
| Servicing income | $22.9M+13.8% | $20.1M+9.8% | $18.3M+33.5% | $13.7M+21.1% | $11.3M |
| Net gains on sales of loans | $47.6M-51.1% | $97.2M+88.8% | $51.5M-9.5% | $56.9M+7.1% | $53.1M |
| Net gain on residuals in securitizations | $30.0M | $0 | $0 | — | — |
| Net gain on loans under the fair value option | $61.2M+1076.1% | $5.2M-71.1% | $18.0M+167.9% | -$26.5M-330.9% | $11.5M |
| Technology and IT support income | $0-100.0% | $19.6M-21.2% | $24.9M | $0 | $0 |
| Electronic payment processing income | $43.8M-4.8% | $46.0M+7.5% | $42.9M | $0 | $0 |
| Other noninterest income | $33.0M-18.2% | $40.3M+69.6% | $23.8M-30.6% | $34.2M+232.4% | $10.3M |
| Total noninterest income | $224.9M+3.5% | $217.3M+22.9% | $176.8M+90.3% | $92.9M+4.0% | $89.3M |
| Salaries and employee benefits expense | $84.8M+8.8% | $77.9M+18.6% | $65.7M+225.5% | $20.2M+13.0% | $17.9M |
| Technology services expense | $0-100.0% | $12.3M-14.1% | $14.3M | $0 | $0 |
| Electronic payment processing expense | $17.8M-10.4% | $19.9M+8.5% | $18.3M | $0 | $0 |
| Professional services expense | $15.5M-2.2% | $15.8M+20.9% | $13.1M+83.3% | $7.1M+27.2% | $5.6M |
| Other loan origination and maintenance expense | $18.6M+34.8% | $13.8M+46.0% | $9.4M-69.3% | $30.7M+4.2% | $29.5M |
| Depreciation and amortization | $668K-62.6% | $1.8M-38.1% | $2.9M+1106.7% | $239K-21.4% | $304K |
| Loss on extinguishment of debt | $179K | $0-100.0% | $271K-35.0% | $417K-73.1% | $1.6M |
| Other general and administrative costs | $28.6M+34.6% | $21.3M-4.9% | $22.4M+191.4% | $7.7M+2.9% | $7.5M |
| Total noninterest expense | $166.1M+2.1% | $162.7M+11.2% | $146.3M+120.4% | $66.4M+6.6% | $62.3M |
| Net income before taxes | $80.0M+16.4% | $68.7M+51.4% | $45.4M+17.0% | $38.8M-54.6% | $85.5M |
| Income tax expense | $19.5M+9.1% | $17.8M+1012.0% | -$2.0M-130.3% | $6.5M+387.1% | $1.3M |
| Net income | $60.5M+19.0% | $50.9M+7.4% | $47.3M+46.5% | $32.3M-61.6% | $84.1M |
| Dividends to preferred shareholders | -$2.3M-45.9% | -$1.6M-10.0% | -$1.5M | $0 | $0 |
| Net income available to common shareholders | $58.2M+18.1% | $49.3M+7.4% | $45.9M+42.0% | $32.3M-61.6% | $84.1M |
| Basic (in dollars per share) | $2210.00+12.2% | $1970.00+4.2% | $1890.00+41.0% | $1340.00+36214.4% | $3.69 |
| Diluted (in dollars per share) | $2180.00+11.2% | $1960.00+4.3% | $1880.00+40.3% | $1340.00+36214.4% | $3.69 |
| Notes and securitizations | |||||
| Bank and FHLB borrowings | |||||
Source: SEC EDGAR XBRL. % change vs prior period shown where available.
Source: SEC EDGAR 10-K and 10-Q filings. Up to 10 years annual / 16 quarters shown.