Financial insights of BANF

MyFinsight

For the quarter ending 2025-09-30.

Income Overview

Net Income
$67,419K
EPS
$1.85
Unit: Thousand (K) dollars

Income Statement	2025-09-30	2025-06-30	2024-12-31	2024-09-30
Loans, including fees	143,506	139,337	122,752*	144,024
Taxable	6,515	6,887	9,277*	8,341
Tax-exempt	9	17	20*	18
Federal funds sold	0	0	30*	1
Interest-bearing deposits with banks	44,363	42,186	29,110*	35,266
Total interest income	194,393	188,427	161,189*	187,650
Deposits	67,648	66,089	58,062*	71,615
Short-term borrowings	100	51	91*	48
Subordinated debt	1,030	1,031	1,033*	1,030
Total interest expense	68,778	67,171	59,186*	72,693
Net interest income	125,615	121,256	102,003*	114,957
Provision for credit gaines on loans	4,222	1,239	-89*	3,031
Provision for off-balance sheet credit exposures	216	148	-	-
Total provision for credit losses	4,438	1,387	-	-
Net interest income after provision for credit losses	121,177	119,869	102,092*	111,926
Revenue-Fiduciary And Trust	5,850	5,795	-	-
Revenue-Deposit Account	18,131	17,741	-	-
Securities transactions	492	-740	1,021*	-308
Sales of loans	916	830	513*	721
Insurance commissions	8,954	7,920	5,255*	9,391
Cash management	10,338	10,573	8,643*	9,189
Revenue	-	-	21,180*	23,395
Loss/(gain) on sale of other assets	57	840	177*	-63
Other	5,128	5,089	1,650*	6,387
Total noninterest income	49,866	48,048	38,439*	48,712
Salaries and employee benefits	57,681	55,147	49,353*	54,215
Occupancy, net	6,434	6,037	4,864*	5,776
Depreciation	4,725	4,691	4,689*	4,482
Amortization of intangible assets	862	862	888*	886
Data processing services	2,901	2,985	2,598*	2,720
Net expense from other real estate owned	-2,778	-2,941	-4,802*	-2,751
Marketing and business promotion	2,126	2,325	2,885*	2,168
Deposit insurance	1,736	1,675	1,415*	1,645
Other	12,829	11,536	15,468*	12,091
Total noninterest expense	92,072	88,199	86,962*	86,734
Income before taxes	78,971	79,718	53,569*	73,904
Income tax expense	16,317	17,371	13,924*	15,001
Net income	62,654	62,347	39,645*	58,903
Unrealized income on debt securities, net of tax expense of 1,478, 7,387, 6,227 and 7,922, respectively	4,765	6,159	-54,350	23,844
Other comprehensive income, net of tax expense of 1,478, 7,387, 6,227 and 7,922, respectively	4,765	6,159	-54,350*	23,844
Comprehensive income	67,419	68,506	-14,705	82,747

Basic EPS	1.88	1.87	-0.445	1.78
Diluted EPS	1.85	1.85	-0.438	1.75
Basic Average Shares	33,310,290	33,255,015	33,013,140	33,097,164
Diluted Average Shares	33,864,129	33,795,243	33,587,481	33,646,549

Unit: Thousand (K) dollars (except for numbers of shares and EPS). Numbers labeled with * are estimated quarterly values.

MyFinsight

Income Overview

Net Income
$67,419K
EPS
$1.85
Unit: Thousand (K) dollars

Time Plot

Show the time plot by selecting a row from the table.

Income Statement

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Income Overview

Net Income
$67,419K
EPS
$1.85
Unit: Thousand (K) dollars

Time Plot

Show the time plot by selecting a row from the table.

Income Statement

DownloadDownload image

Income Overview

Net Income$67,419KEPS$1.85Unit: Thousand (K) dollars

Time Plot

Show the time plot by selecting a row from the table.

Income Statement

Income Overview

Net Income$67,419KEPS$1.85Unit: Thousand (K) dollars

Time Plot

Show the time plot by selecting a row from the table.

Income Statement

Net Income
$67,419K
EPS
$1.85
Unit: Thousand (K) dollars

Net Income
$67,419K
EPS
$1.85
Unit: Thousand (K) dollars