Financial insights of HTBK

MyFinsight

For the year ending 2025-12-31, HTBK made $3,688K in revenue. $47,830K in net income. Net profit margin of 1296.91%.

Income Statement	2025-12-31	2024-12-31
Service charges and fees on deposit accounts	3,688	3,561
Fhlb and frb stock dividends	2,353	-
Increase in cash surrender value of life insurance	2,213	2,097
Termination fees	435	177
Servicing income	302	365
Gain on sales of sba loans	215	473
Gain on proceeds from company owned life insurance	0	219
Other	2,883	1,856
Total noninterest income	12,089	8,748
Loans, including fees	196,823	182,983
Securities, taxable	26,451	20,817
Securities, exempt from federal tax	830	890
Other investments, interest-bearing deposits in other financial institutions and federal funds sold	32,895	38,009
Total interest income	256,999	242,699
Deposits	69,472	76,899
Short-term borrowings	0	-
Subordinated debt	2,152	2,152
Total interest expense	71,624	79,051
Net interest income before provision for credit losses on loans	185,375	163,648
Provision for credit losses on loans	1,816	2,139
Net interest income after provision for credit losses on loans	183,559	161,509
Salaries and employee benefits	66,537	63,952
Occupancy and equipment	9,944	10,226
Professional fees	6,233	5,416
Other	45,145	33,989
Total noninterest expense	127,859	113,583
Income before income taxes	67,789	56,674
Income tax expense	19,959	16,146
Net income	47,830	40,528

Basic EPS	0.78	0.66
Diluted EPS	0.78	0.66
Basic Average Shares	61,407,520	-
Diluted Average Shares	61,702,095	61,527,372