Financial insights of BANR

MyFinsight

For the year ending 2025-12-31.

Income Statement	2025-12-31
Deposit fees and other service charges	43,240
Mortgage banking operations	13,244
Bank owned life insurance income	10,152
Miscellaneous	7,188
Other operating income	73,824
Net gain (loss) on sale of securities	374
Net change in valuation of financial instruments carried at fair value	1,384
Total non-interest income	72,814
Loans receivable	702,023
Mortgage-backed securities	61,000
Securities and cash equivalents	41,932
Total interest income	804,955
Deposits	200,798
Fhlb advances	5,774
Other borrowings	2,756
Subordinated debt	7,708
Total interest expense	217,036
Net interest income	587,919
Provision for loan, lease, and other losses	13,045
Interest income (expense), after provision for loan loss, total	574,874
Salary and employee benefits	260,706
Less capitalized loan origination costs	17,219
Occupancy and equipment	48,723
Information and computer data services	33,067
Payment and card processing services	23,948
Professional and legal expenses	9,492
Advertising and marketing	4,748
Deposit insurance	11,314
State and municipal business and use taxes	6,276
Real estate operations, net	-491
Amortization of core deposit intangibles	1,567
Miscellaneous	25,661
Total non-interest expense	408,774
Income before provision for income taxes	238,914
Income tax expense (benefit)	43,532
Net income	195,382

Basic EPS	5.67
Diluted EPS	5.64
Basic Average Shares	34,460,854
Diluted Average Shares	34,656,802