Financial insights of STBA

MyFinsight

For the quarter ending 2025-09-30, STBA made $244,144K in revenue. $34,962K in net income. Net profit margin of 14.32%.

Income Overview

Revenue
$244,144K
Net Income
$34,962K
Net Profit Margin
14.32%
EPS
$0.91
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	2025-03-31	2024-09-30
Loans, including fees	120,321	117,696	114,340	120,907
Taxable	10,994	10,846	10,073	10,221
Tax-exempt	34	35	157	165
Dividends	274	329	278	181
Total interest and dividend income	131,623	128,906	124,848	131,474
Deposits	39,864	39,056	38,354	42,493
Borrowings, junior subordinated debt securities and other	2,518	3,278	3,171	4,504
Total interest expense	42,382	42,334	41,525	46,997
Net interest income	89,241	86,572	83,323	84,477
Provision for credit losses	2,792	1,974	-3,040	-454
Mortgage banking	-	-	-	355
Net interest income after provision for credit losses	86,449	84,598	86,363	84,931
Net loss on sale of securities	0	0	-2,295	-2,199
Revenues from contract with customers-Credit And Debit Card	4,722	4,588	-	-
Revenues from contract with customers-Deposit Account	4,175	4,090	-	-
Revenues from contract with customers	-	-	11,234	11,940
Revenues from contract with customers-Wealth Management	3,118	3,042	-	-
Other	1,748	1,780	1,490	1,781
Total noninterest income	13,763	13,500	10,429	11,877
Salaries and employee benefits	32,180	32,907	29,853	31,274
Data processing and information technology	4,901	4,847	4,930	5,003
Occupancy	4,014	4,024	4,302	3,828
Furniture, equipment and software	3,225	3,352	3,483	3,410
Other taxes	2,088	2,088	1,494	1,874
Marketing	1,255	1,490	1,615	1,382
Professional services and legal	1,199	1,739	1,286	1,229
Fdic insurance	1,071	1,062	1,040	1,054
Other	6,443	6,605	7,088	6,311
Total noninterest expense	56,376	58,114	55,091	55,365
Income before taxes	43,836	39,984	41,701	41,443
Income tax expense	8,874	8,084	8,300	8,853
Net income	34,962	31,900	33,401	32,590

Denominator for treasury stock methoddiluted (in shares)	38,595,118	38,637,400	38,599,656	38,560,409
Earnings per sharebasic (in dollars per share)	0.91	0.83	0.87	0.85
Earnings per sharediluted (in dollars per share)	0.91	0.83	0.87	0.85
Weighted average shares outstandingbasic (in shares)	38,346,949	38,337,851	38,260,746	38,255,184

MyFinsight

Income Overview

Revenue
$244,144K
Net Income
$34,962K
Net Profit Margin
14.32%
EPS
$0.91
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
$244,144K
Net Income
$34,962K
Net Profit Margin
14.32%
EPS
$0.91
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$244,144KNet Income$34,962KNet Profit Margin14.32%EPS$0.91Unit: 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$244,144KNet Income$34,962KNet Profit Margin14.32%EPS$0.91Unit: 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
$244,144K
Net Income
$34,962K
Net Profit Margin
14.32%
EPS
$0.91
Unit: Thousand (K) dollars
Revenue Breakdown
Loans, including fees
Deposits
Salaries and employee benefits
Others

Revenue
$244,144K
Net Income
$34,962K
Net Profit Margin
14.32%
EPS
$0.91
Unit: Thousand (K) dollars
Revenue Breakdown
Loans, including fees
Deposits
Salaries and employee benefits
Others