| Metric | FY2025 | FY2024 | FY2023 |
|---|---|---|---|
| Loans - including fees | $351.2M+23.0% | $285.5M+20.3% | $237.4M |
| Investment securities - taxable | $463K-27.3% | $637K-31.0% | $923K |
| FHLB stock - taxable | $6.5M+1.8% | $6.4M | — |
| Interest bearing deposits | $22.0M-12.1% | $25.0M | — |
| Total interest income | $380.2M+19.7% | $317.5M+18.8% | $267.4M |
| Deposits | $176.7M+16.9% | $151.1M+22.0% | $123.9M |
| Subordinated debentures | $3.1M-19.2% | $3.9M-14.8% | $4.6M |
| Borrowings | $49.6M+2.7% | $48.3M+28.1% | $37.7M |
| Total interest expense | $229.5M+12.9% | $203.3M+22.4% | $166.2M |
| Net interest income | $150.7M+32.0% | $114.2M+12.8% | $101.2M |
| Provision (benefit) for credit loss and unfunded commitments | -$55K+95.5% | -$1.2M | — |
| Net interest income after provision (benefit) for credit losses and unfunded commitments | $148.6M+29.8% | $114.5M+11.5% | $102.7M |
| Service charges on deposits and other fees | $890K-50.9% | $1.8M-32.1% | $2.7M |
| Loan servicing fees | $4.7M-46.8% | $8.9M-13.9% | $10.3M |
| Mortgage Purchase Program ("MPP") fees | $6.0M+11.1% | $5.4M+51.2% | $3.6M |
| Net gain on sale of loans | $77.2M+36.2% | $56.7M-27.3% | $78.0M |
| Other noninterest income | $2.2M+1580.5% | $128K-76.0% | $533K |
| Total noninterest income | $91.0M+24.8% | $72.9M-23.3% | $95.1M |
| Salaries and employee benefits | $90.2M+15.9% | $77.8M-25.4% | $104.3M |
| Occupancy and equipment | $3.4M-22.6% | $4.5M-35.7% | $6.9M |
| Data processing expense | $8.7M-2.6% | $9.0M-19.3% | $11.1M |
| Professional fees | $6.2M+50.6% | $4.1M-15.2% | $4.9M |
| Other taxes and insurance | $7.6M+8.0% | $7.0M+0.7% | $7.0M |
| Other noninterest expense | $13.1M+6.9% | $12.2M-35.4% | $18.9M |
| Total noninterest expense | $129.2M+12.8% | $114.6M-25.1% | $153.1M |
| Income - before income taxes | $110.4M+51.5% | $72.9M+63.1% | $44.7M |
| Income tax expense | $27.0M+52.3% | $17.7M+62.2% | $10.9M |
| Net income | $83.4M+51.2% | $55.2M+63.4% | $33.8M |
| Preferred stock dividends and related costs | $11.8M+47.4% | $8.0M-17.1% | $9.7M |
| Net income available to common stockholders | $71.6M+51.9% | $47.2M+95.6% | $24.1M |
| Basic earnings per common share (in USD per share) | $2140.00+16.9% | $1830.00+94.7% | $940.00 |
| Diluted earnings per share (in USD per share) | $2110.00+15.3% | $1830.00+96.8% | $930.00 |
| Provision for credit losses | |||
| Provision (benefit) for unfunded commitments | |||
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.