Financial insights of BY

MyFinsight

For the quarter ending 2025-09-30, BY made $274,083,000 in revenue. $37,200,000 in net income. Net profit margin of 13.57%.

Income Overview

Revenue
$274,083,000
Net Income
$37,200,000
Net Profit Margin
13.57%
EPS
$0.82
Unit: Dollar
Revenue Breakdown
Interest and fees on loans and l...
Deposits
Salaries and employee benefits
Others

Unit: Dollar

Income Statement	2025-09-30	2025-06-30	2025-03-31	2024-12-31
Interest and fees on loans and leases	132,401,000	128,199,000	-	-
Interest on securities	13,289,000	13,907,000	-	-
Other interest and dividend income	2,917,000	2,421,000	-	-
Total interest and dividend income	148,607,000	144,527,000	-	-
Deposits	42,857,000	44,380,000	-	-
Other borrowings	1,502,000	1,396,000	-	-
Subordinated notes and debentures	4,377,000	2,781,000	-	-
Total interest expense	48,736,000	48,557,000	-	-
Net interest income	99,871,000	95,970,000	-	-
Provision for credit losses	5,298,000	11,923,000	-	-
Net interest income after provision for credit losses	94,573,000	84,047,000	-	-
Fees and service charges on deposits	2,741,000	2,633,000	-	-
Loan servicing revenue	3,062,000	3,071,000	-	-
Loan servicing asset revaluation	-1,294,000	-2,150,000	-	-
Atm and interchange fees	1,015,000	1,059,000	-	-
Net losses on sales of securities available-for-sale	0	-37,000	-	-
Change in fair value of equity securities, net	-298,000	83,000	-	-
Total consolidated revenue	-	-	149,714,000	-
Net gains on sales of loans	6,981,000	5,414,000	-	-
Interest expense	-	-	46,634,000	-
Wealth management and trust income	1,366,000	1,074,000	-	-
Segment net interest income and noninterest income	-	-	103,080,000	-
Other non-interest income	2,291,000	3,336,000	-	-
Other segment items	-	-	9,224,000	-
Total non-interest income	15,864,000	14,483,000	-	-
Salaries and employee benefits	37,492,000	37,819,000	36,252,000	-
Occupancy and equipment expense, net	4,531,000	4,739,000	-	-
Loan and lease related expenses	1,274,000	938,000	-	-
Legal, audit and other professional fees	3,876,000	4,843,000	-	-
Data processing	4,903,000	4,986,000	5,171,000	-
Net (gain) loss recognized on other real estate owned and other related expenses	-617,000	44,000	-	-
Other intangible assets amortization expense	1,494,000	1,499,000	-	-
Other non-interest expense	6,331,000	4,822,000	-	-
Total non-interest expense	60,518,000	59,602,000	-	-
Income before provision for income taxes	49,919,000	38,928,000	-	-
Provision for income taxes	12,719,000	8,846,000	12,158,000	-
Total expenses	-	-	-	0
Depreciation and amortization	-	-	2,848,000	-
Income before provision for income taxes and equity in undistributed income of subsidiary	-	-	-	0
Provision for credit losses	-	-	9,179,000	-
Income before equity in undistributed income of subsidiary	-	-	-	0
Net income	37,200,000	30,082,000	28,248,000	-

Basic	0.82	0.66	0.65	0.695
Diluted earnings per common share	0.82	0.66	0.64	0.688
Weighted-average common stock outstanding (basic)	45,102,828	45,306,240	43,788,353	10,862,214
Weighted-average common stock outstanding (dilutive)	45,372,602	45,484,392	44,290,257	10,963,484.75

MyFinsight

Income Overview

Revenue
$274,083,000
Net Income
$37,200,000
Net Profit Margin
13.57%
EPS
$0.82
Unit: Dollar
Revenue Breakdown
Interest and fees on loans and l...
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
$274,083,000
Net Income
$37,200,000
Net Profit Margin
13.57%
EPS
$0.82
Unit: Dollar
Revenue Breakdown
Interest and fees on loans and l...
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$274,083,000Net Income$37,200,000Net Profit Margin13.57%EPS$0.82Unit: DollarRevenue BreakdownInterest and fees on loans and l...DepositsSalaries and employee benefitsOthers

Time Plot

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

Income Statement

Income Overview

Revenue$274,083,000Net Income$37,200,000Net Profit Margin13.57%EPS$0.82Unit: DollarRevenue BreakdownInterest and fees on loans and l...DepositsSalaries and employee benefitsOthers

Time Plot

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

Income Statement

Revenue
$274,083,000
Net Income
$37,200,000
Net Profit Margin
13.57%
EPS
$0.82
Unit: Dollar
Revenue Breakdown
Interest and fees on loans and l...
Deposits
Salaries and employee benefits
Others

Revenue
$274,083,000
Net Income
$37,200,000
Net Profit Margin
13.57%
EPS
$0.82
Unit: Dollar
Revenue Breakdown
Interest and fees on loans and l...
Deposits
Salaries and employee benefits
Others