Financial insights of BANF

MyFinsight

For the quarter ending 2025-09-30, BANF made $408,756K in revenue. $67,419K in net income. Net profit margin of 16.49%.

Income Overview

Revenue
$408,756K
Net Income
$67,419K
Net Profit Margin
16.49%
EPS
$1.85
Unit: Thousand (K) dollars
Revenue Breakdown
Loans, including fees
Deposits
Salaries and employee benefits
Others

Unit: Thousand (K) dollars (except for numbers of shares and EPS)

Income Statement	2025-09-30	2025-06-30	2024-12-31	2024-09-30
Loans, including fees	143,506	139,337	136,933	144,024
Taxable	6,515	6,887	8,653	8,341
Tax-exempt	9	17	19	18
Federal funds sold	0	0	11	1
Interest-bearing deposits with banks	44,363	42,186	33,214	35,266
Total interest income	194,393	188,427	178,830	187,650
Deposits	67,648	66,089	67,097	71,615
Short-term borrowings	100	51	62	48
Subordinated debt	1,030	1,031	1,031	1,030
Total interest expense	68,778	67,171	68,191	72,693
Net interest income	125,615	121,256	110,639	114,957
Provision for credit losses on loans	4,222	1,239	1,991	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	108,648	111,926
Revenue-Fiduciary And Trust	5,850	5,795	-	-
Revenue-Deposit Account	18,131	17,741	-	-
Securities transactions	492	-740	135	-308
Sales of loans	916	830	652	721
Insurance commissions	8,954	7,920	8,012	9,391
Cash management	10,338	10,573	9,007	9,189
Revenue	-	-	22,657	23,395
Gain/(loss) on sale of other assets	57	840	17	-63
Other	5,128	5,089	4,808	6,387
Total noninterest income	49,866	48,048	45,288	48,712
Salaries and employee benefits	57,681	55,147	52,594	54,215
Occupancy, net	6,434	6,037	5,472	5,776
Depreciation	4,725	4,691	4,551	4,482
Amortization of intangible assets	862	862	887	886
Data processing services	2,901	2,985	2,679	2,720
Net expense from other real estate owned	-2,778	-2,941	-3,435	-2,751
Marketing and business promotion	2,126	2,325	2,407	2,168
Deposit insurance	1,736	1,675	1,568	1,645
Other	12,829	11,536	13,217	12,091
Total noninterest expense	92,072	88,199	86,810	86,734
Income before taxes	78,971	79,718	67,126	73,904
Income tax expense	16,317	17,371	14,642	15,001
Net income	62,654	62,347	52,484	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	-2,221	23,844
Other comprehensive income, net of tax expense of 1,478, 7,387, 6,227 and 7,922, respectively	4,765	6,159	-2,221	23,844
Comprehensive income	67,419	68,506	50,263	82,747

Basic earnings per share	1.88	1.87	1.59	1.78
Diluted earnings per share	1.85	1.85	1.563	1.75
Weighted average shares outstanding for basic earnings per common share	33,310,290	33,255,015	-14,004	33,097,164
Weighted-average shares outstanding for diluted earnings per common share	33,864,129	33,795,243	-9,844.667	33,646,549

MyFinsight

Income Overview

Revenue
$408,756K
Net Income
$67,419K
Net Profit Margin
16.49%
EPS
$1.85
Unit: Thousand (K) dollars
Revenue Breakdown
Loans, including fees
Deposits
Salaries and employee benefits
Others

Time Plot

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

Income Statement

DownloadDownload image

Income Overview

Revenue
$408,756K
Net Income
$67,419K
Net Profit Margin
16.49%
EPS
$1.85
Unit: Thousand (K) dollars
Revenue Breakdown
Loans, including fees
Deposits
Salaries and employee benefits
Others

Time Plot

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

Income Statement

DownloadDownload image

Income Overview

Revenue$408,756KNet Income$67,419KNet Profit Margin16.49%EPS$1.85Unit: Thousand (K) dollarsRevenue BreakdownLoans, including feesDepositsSalaries and employee benefitsOthers

Time Plot

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

Income Statement

Income Overview

Revenue$408,756KNet Income$67,419KNet Profit Margin16.49%EPS$1.85Unit: Thousand (K) dollarsRevenue BreakdownLoans, including feesDepositsSalaries and employee benefitsOthers

Time Plot

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

Income Statement

Revenue
$408,756K
Net Income
$67,419K
Net Profit Margin
16.49%
EPS
$1.85
Unit: Thousand (K) dollars
Revenue Breakdown
Loans, including fees
Deposits
Salaries and employee benefits
Others

Revenue
$408,756K
Net Income
$67,419K
Net Profit Margin
16.49%
EPS
$1.85
Unit: Thousand (K) dollars
Revenue Breakdown
Loans, including fees
Deposits
Salaries and employee benefits
Others