| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Loans, including fees | $316.2M+7.1% | $295.3M+18.6% | $248.9M+70.0% | $146.4M+48.1% | $98.9M |
| Investment securities available-for-sale | $24.0M+40.4% | $17.1M+105.2% | $8.3M+111.8% | $3.9M+276.3% | $1.0M |
| Investment securities held-to-maturity | $7.2M | — | — | — | — |
| Federal funds sold and other | $6.7M-58.3% | $16.0M+72.1% | $9.3M+159.2% | $3.6M+424.2% | $686K |
| Total interest income | $354.0M+7.8% | $328.4M+23.2% | $266.5M+73.1% | $153.9M+53.0% | $100.6M |
| Deposit accounts | $150.3M-5.9% | $159.7M+38.9% | $115.0M+274.8% | $30.7M+260.0% | $8.5M |
| FHLB advances and other borrowings | $8.5M+8.2% | $7.8M-34.4% | $12.0M+76.2% | $6.8M+342.4% | $1.5M |
| Total interest expense | $158.8M-5.2% | $167.6M+31.9% | $127.0M+238.8% | $37.5M+272.6% | $10.1M |
| Net interest (expense) income | $195.2M+21.4% | $160.8M+15.2% | $139.5M+19.8% | $116.5M+28.6% | $90.6M |
| Provision for credit losses | $7.6M+33.1% | $5.7M-9.8% | $6.3M-48.2% | $12.2M+22.9% | $9.9M |
| Net interest income after provision for credit losses | $187.6M+21.0% | $155.1M+16.4% | $133.2M+27.8% | $104.3M+29.3% | $80.6M |
| Services charges and fees | $10.8M+55.1% | $6.9M+114.5% | $3.2M+19.1% | $2.7M+14.7% | $2.4M |
| Earnings on bank-owned life insurance | $3.0M+21.7% | $2.5M+18.0% | $2.1M+60.1% | $1.3M+131.4% | $567K |
| (Loss) gain on sale of investment securities available-for-sale | -$610K-15150.0% | -$4K-100.8% | $482K | $0 | — |
| Gain on sales of SBA loans | $74K+146.7% | $30K-93.2% | $440K-53.7% | $950K+62.1% | $586K |
| Other | $4.8M+0.8% | $4.7M-5.4% | $5.0M+11.8% | $4.5M+132.8% | $1.9M |
| Total noninterest income | $13.7M+28.5% | $10.6M+29.4% | $8.2M+13.6% | $7.2M+48.1% | $4.9M |
| Salaries and employee benefits | $77.2M+18.5% | $65.1M+4.7% | $62.2M+10.1% | $56.5M+16.2% | $48.6M |
| Occupancy and equipment expense | $11.3M+2.1% | $11.1M+11.5% | $9.9M+16.7% | $8.5M+58.9% | $5.4M |
| Legal and professional | $7.5M+32.5% | $5.6M-27.7% | $7.8M+11.4% | $7.0M+32.0% | $5.3M |
| Data processing and network expense | $4.6M-13.0% | $5.3M+11.0% | $4.7M+20.0% | $3.9M+29.0% | $3.1M |
| Regulatory assessments | $4.8M+9.1% | $4.4M+70.5% | $2.6M-25.0% | $3.5M+214.6% | $1.1M |
| Advertising and marketing | $2.1M+25.6% | $1.7M-35.0% | $2.6M+37.4% | $1.9M+1.2% | $1.9M |
| Software purchases and maintenance | $4.6M-6.4% | $4.9M+31.6% | $3.7M+266.8% | $1.0M+18.8% | $852K |
| Loan operations and other real estate owned expense | $1.1M+25.4% | $904K+34.3% | $673K | — | — |
| Telephone and communications | $550K-6.0% | $585K+14.7% | $510K+2.8% | $496K-16.6% | $595K |
| Total noninterest expense | $118.5M+13.6% | $104.3M+4.5% | $99.8M+13.0% | $88.3M+24.3% | $71.0M |
| Net income before income tax expense | $82.7M+34.9% | $61.4M+47.4% | $41.6M+79.6% | $23.2M+60.0% | $14.5M |
| Income tax expense | $16.5M+20.3% | $13.7M+66.6% | $8.2M+82.1% | $4.5M+47.4% | $3.1M |
| Net income | $66.3M+39.1% | $47.7M+42.7% | $33.4M+79.0% | $18.7M+63.3% | $11.4M |
| Preferred stock dividends declared | $4.8M+0.0% | $4.7M+0.3% | $4.7M+434.0% | -$1.4M | — |
| Net income available to common shareholders | $61.5M+43.4% | $42.9M+49.7% | $28.7M+66.3% | $17.2M+50.9% | $11.4M |
| Basic earnings per share | $4450.00+41.7% | $3140.00+48.8% | $2110.00+64.8% | $1280.00-11.7% | $1450.00 |
| Diluted earnings per share | $3790.00+36.3% | $2780.00+40.4% | $1980.00+58.4% | $1250.00-10.7% | $1400.00 |
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.