Financial Highlights

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Year Ending Dec 2025 (Update) Year Ending Dec 2024 (Update) Year Ending Dec 2023 (Update) Year Ending Dec 2022 (Update)
Cash & Due from Banks 67.19 61.24 129.89 58.24
Interest-earning Deposits
Trading Account Assets 1.76 3.31
FHLB Stock 26.60 21.18 21.19 23.96
Other Short Term Investments 16.53 9.85 8.94 6.33
Securities Held 254.45 275.59 299.52 321.90
Securities for Sale 514.10 588.05 486.74 717.32
Total Investment Securities 768.54 863.64 786.25 1,039.23
Loans Held for Sale 21.93 16.52 11.50 9.49
Other Earning Assets 56.57 52.06 46.75 48.68
Other Earning Assets, Total 891.93 966.55 874.63 1,127.68
Total Gross Loans 4,048.02 3,992.53 2,759.58 2,443.99
Loan Loss Allowances -61.92 -59.93 -35.84 -31.15
Net Loans 3,986.11 3,932.61 2,723.74 2,412.85
Buildings - Gross 39.98 36.96 28.17 26.63
Land/Improvements - Gross 6.43 7.16 4.54 4.54
Other Property/Plant/Equipment - Gross 74.35 54.64 42.18 44.09
Property/Plant/Equipment, Total - Gross 120.76 98.75 74.89 75.26
Accumulated Depreciation, Total -48.74 -45.53 -51.52 -52.55
Property/Plant/Equipment, Total - Net 72.01 53.22 23.38 22.71
Goodwill, Net 85.63 85.63 46.78 47.09
Intangibles - Gross 68.60 82.52 49.02 49.02
Accumulated Intangible Amortization -35.23 -38.63 -31.86 -26.56
Intangibles, Net 39.75 51.80 19.21 25.10
LT Investment - Affiliate Companies 0.00 0.01 0.01 0.01
Long Term Investments 0.00 0.01 0.01 0.01
Deferred Income Tax - Long Term Asset 23.08 52.89 34.60 42.37
Other Long Term Assets, Total 23.08 52.89 34.60 42.37
Interest Receivable 21.74 20.08 15.70 12.87
Other Real Estate Owned 0.31 0.03 0.03
Other Assets 42.32 37.65 39.74 30.69
Other Assets, Total 64.37 57.73 55.48 43.59
Total Assets 5,230.08 5,261.67 3,907.71 3,779.64
Accrued Expenses 105.17 89.82 69.85 70.36
Non-Interest Bearing Deposits 807.90 903.47 728.08 860.99
Interest Bearing Deposits 2,046.62 2,093.02 1,334.76 1,018.52
Other Deposits 1,337.49 1,381.92 1,032.77 1,035.98
Total Deposits 4,192.00 4,378.41 3,095.61 2,915.48
FHLB Advances 250.00 200.00 200.00 225.00
Other (Interest) Bearing Liabilities, Total 250.00 200.00 200.00 225.00
Federal Funds Purchased/Securities Sold Under Repurchase Agreement 58.80 38.96 114.17 153.08
Other Short Term Borrowings
Total Short Term Borrowings 58.80 38.96 114.17 153.08
Long Term Debt 59.18 59.07 58.96 58.84
Capital Lease Obligations
Total Long Term Debt 59.18 59.07 58.96 58.84
Total Debt 117.98 98.03 173.13 211.92
Other Liabilities
Other Liabilities, Total
Total Liabilities 4,665.15 4,766.26 3,538.59 3,422.77
Redeemable Convertible Preferred Stock 0.00
Redeemable Preferred Stock, Total 0.00
Common Stock 25.41 25.35 19.73 19.99
Common Stock, Total 25.41 25.35 19.73 19.99
Additional Paid-In Capital 271.61 269.71 150.34 155.10
Retained Earnings (Accumulated Deficit) 270.08 273.72 272.71 280.43
ESOP Debt Guarantee
Unrealized Gain (Loss) -2.16 -73.37
Other Comprehensive Income -73.66 -98.64
Other Equity, Total -73.66 -98.64
Total Equity 564.93 495.41 369.13 356.87
Total Liabilities & Shareholders' Equity 5,230.08 5,261.67 3,907.71 3,779.64
Shares Outstanding – Common Stock Primary Issue 25.41 25.34 19.73 19.99
Total Common Shares Outstanding 25.41 25.34 19.73 19.99
Treasury Shares – Common Primary Issue 0.00 0.00 0.00 0.00
Employees 821.00 846.00 709.00 773.00
Part-Time Employees 43.00 46.00 45.00 64.00
Number of Common Shareholders 418.00 418.00 227.00 246.00
Accumulated Intangible Amortization 35.23 38.63 31.86 26.56
Total Risk-Weighted Capital 4,401.27 4,475.60 3,235.70 2,908.53
Tier 1 Capital % 10.48 10.12 12.10 13.69
Total Capital % 12.87 12.49 14.76 16.48
Trading Account 1.76 3.31
Non-Performing Loans 69.37 62.89 8.74 3.79
Tangible Book Value 439.55 357.98 303.13 284.69
Tangible Book Value per Share 17.30 14.12 15.36 14.24
Total Long Term Debt, Supplemental
Long Term Debt Maturing within 1 Year
Long Term Debt Maturing in Year 2
Long Term Debt Maturing in Year 3
Long Term Debt Maturing in Year 4
Long Term Debt Maturing in Year 5
Long Term Debt Maturing in 2-3 Years
Long Term Debt Maturing in 4-5 Years
Long Term Debt Maturing in Year 6 & Beyond
Interest Costs
Total Capital Leases
Capital Lease Payments Due in Year 1
Capital Lease Payments Due in Year 2
Capital Lease Payments Due in Year 3
Capital Lease Payments Due in Year 4
Capital Lease Payments Due in Year 5
Capital Lease Payments Due in 2-3 Years
Capital Lease Payments Due in 4-5 Years
Capital Lease Payments Due in Year 6 & Beyond
Total Operating Leases 36.28 18.99 5.75 5.90
Operating Lease Payments Due in Year 1 3.37 2.51 1.63 1.99
Operating Lease Payments Due in Year 2 3.15 2.38 1.24 1.24
Operating Lease Payments Due in Year 3 2.99 1.88 1.06 1.12
Operating Lease Payments Due in Year 4 2.99 1.63 0.52 0.94
Operating Lease Payments Due in Year 5 3.05 1.22 0.31 0.39
Operating Lease Payments Due in 2-3 Years 6.14 4.26 2.31 2.35
Operating Lease Payments Due in 4-5 Years 6.04 2.85 0.83 1.32
Standardized Operating Lease Payments Due in Year 6 and Beyond 20.73 9.37 0.99 0.24

In millions of USD (except for per share items)

Source: LSEG