EPS: As of FY2025 Q3, the actual value is USD 0.73.

EBIT: As of FY2025 Q3, the actual value is USD 79.76 M.

Net Income

• Net income for the quarter ended June 30, 2025, was $61,952,000, representing a 10% increase from the previous quarter and a 4% decrease from the same quarter last year.

Net Interest Income and Margin

• Net interest income for the quarter was $168 million, up from $161 million in the previous quarter.
• Net interest margin improved to 2.69% from 2.55% in the previous quarter.

Non-Interest Income and Expense

• Non-interest income was $18.3 million, slightly down from $18.9 million in the previous quarter.
• Non-interest expense was stable at $104.3 million, a slight decrease from the previous quarter.

Efficiency Ratio

• The efficiency ratio decreased to 56.01% from 58.31% in the previous quarter.

Credit Quality

• Non-performing assets increased to $97 million, or 0.36% of total assets, from $77 million, or 0.28%, at September 30, 2024.

Shareholder Returns

• The company paid a cash dividend of $0.27 per share and repurchased 1,662,508 shares at a weighted average price of $29.08 per share.

Allowance for Credit Losses (ACL)

• Total ACL decreased from $225,022 as of December 2024 to $219,268 as of June 2025.
• ACL for loans decreased from $204,522 to $198,768 over the same period.

Loan Originations

• Total loan originations for the quarter ended June 2025 were $697,031, with year-to-date originations totaling $2,541,479.
• Notable categories include Commercial & Industrial with $324,898 for the quarter and $1,159,784 year-to-date.

Loan Repayments & Payoffs

• Total repayments and payoffs for the quarter ended June 2025 were $1,479,083, with year-to-date figures at $3,644,554.

Non-Performing Assets

• Total non-performing assets increased from $70,884 as of March 2025 to $97,160 as of June 2025.

Outlook / Guidance

• The company anticipates fluctuations in interest rates and market conditions, which may impact net interest income and margin. It is also monitoring economic conditions, including potential recessions and inflationary pressures, which could affect borrower financial stress and loan demand. The company anticipates continued improvement in efficiency ratios and net interest margins, driven by strategic cost management and favorable interest rate conditions.