Market capitalization
Latest quarterly results (Q4 2025)
• Consolidated revenue (net interest income plus non-interest income): $288.2 million.
• Net income: $69.3 million; diluted EPS: $0.90.
• Year-over-year: revenue rose about 9.1%; net income was broadly flat versus the year-earlier quarter.
Segment highlights
• Net interest income: $258.2 million in Q4 2025.
• Non-interest income: $30.0 million in Q4 2025.
• Deposits: $29.35 billion at Dec. 31, 2025; non-interest bearing deposits increased in the quarter.
• Loans: $24.27 billion at Dec. 31, 2025; core commercial portfolios $16.57 billion.
• Provision for credit losses: $25.6 million in Q4; ACL roughly 0.91% of loans.
Operating performance — Quarterly revenue (USD millions)
Market performance — Recent closing prices (USD)
Full-year results context
For the year ended December 31, 2025, the company reported higher annual revenue and broadly stable net income year over year.
Business & operations update
• Core deposit growth continued, with reductions in reliance on wholesale funding.
• Investments in personnel and technology contributed to higher compensation and technology expense in the quarter.
• Management highlighted ongoing loan repricing and funding-cost initiatives.
M&A or strategic moves
• The board authorized an incremental $200 million share repurchase program.
• The board increased the quarterly dividend by $0.02 to $0.33 per share.
Equity analyst commentary
• Analysts noted deposit inflows and loan growth as key themes following the quarter.
• Market commentary focused on the implications of the repurchase program and dividend change.
Guidance & outlook — what to watch for
• Watch management commentary on credit provisioning and the cadence of loan growth.
• Watch timing and execution of the repurchase program and dividend implementation.
• Watch deposit-cost trends as repricing flows through the balance sheet.
Performance summary
• Stock move: closed down 1.42% at $46.39.
• Key results: Q4 revenue $288.2m; net income $69.3m.
• Segment signals: deposit growth and ongoing loan repricing.