Financial insights of HTB

MyFinsight

For the quarter ending 2025-09-30, HTB made $125,418K in revenue. $16,491K in net income. Net profit margin of 13.15%.

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

Income Statement	2025-09-30	2025-06-30
Loans	61,749	60,440
Debt securities available for sale	1,662	1,658
Other investments and interest-bearing deposits	1,984	1,543
Total interest and dividend income	65,395	63,641
Deposits	19,474	18,856
Junior subordinated debt	207	206
Borrowings	325	350
Total interest expense	20,006	19,412
Net interest income	45,389	44,229
Provision for credit losses	2,015	1,303
Net interest income after provision for credit losses	43,374	42,926
Service charges and fees on deposit accounts	2,527	2,502
Loan income and fees	577	548
Gain on sale of loans held for sale	1,725	2,109
Boli income	882	852
Operating lease income	1,777	1,876
Gain on sale of branches	0	1,448
Gain (loss) on sale of premises and equipment	0	28
Other	1,263	794
Total noninterest income	8,751	10,157
Salaries and employee benefits	18,508	18,208
Occupancy expense, net	2,563	2,375
Computer services	2,562	2,488
Operating lease depreciation expense	1,770	1,789
Telephone, postage and supplies	539	561
Marketing and advertising	471	442
Deposit insurance premiums	468	473
Core deposit intangible amortization	410	411
Other	3,975	4,508
Total noninterest expense	31,266	31,255
Income before income taxes	20,859	21,828
Income tax expense	4,368	4,618
Net income	16,491	17,210

Basic (in dollars per share)	0.96	1.01
Basic (in shares)	16,998,549	17,006,141
Diluted (in dollars per share)	0.95	1
Diluted (in shares)	17,130,030	17,106,448