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BFC • CIK 0001746109
| (in thousands, except per share data) | FY 2023 | FY 2024 | FY 2025 | TTM |
|---|---|---|---|---|
| Interest and Fee Income, Loans and Leases | $168,815 | $189,007 | $203,659 | $236,056 |
| Other Interest and Dividend Income | — | — | $5,790 | $6,410 |
| Interest Income (Expense), Net | $133,480 | $137,800 | $151,658 | $186,668 |
| Interest and Dividend Income, Operating | $182,483 | $206,405 | $221,715 | $261,416 |
| Provision for Loan, Lease, and Other Losses | $4,682 | $-800 | $1,250 | $1,250 |
| Interest Income (Expense), after Provision for Loan Loss | $128,798 | $138,600 | $150,408 | $186,018 |
| Income (Loss) from Continuing Operations before Income Taxes, Noncontrolling Interest | $98,794 | $79,513 | $88,170 | $100,709 |
| Income Tax Expense (Benefit) | $24,280 | $13,950 | $16,674 | $19,650 |
| Net Income (Loss) Attributable to Parent | $74,514 | $65,563 | $71,496 | $81,059 |
| Interest Income, Securities, Operating, Taxable | $8,460 | $10,338 | $11,323 | $17,935 |
| Interest Expense, Deposits | $42,367 | $64,168 | $63,650 | $69,835 |
| Interest Income, Securities, Operating, Tax Exempt | $1,035 | $964 | $943 | $1,015 |
| Interest Expense, Federal Funds Purchased and Securities Sold under Agreements to Repurchase | $1,813 | $22 | $22 | $22 |
| Interest Expense, Short-term Borrowings Excluding Federal Funds and Securities Sold under Agreements to Repurchase | $4,823 | $4,415 | $6,407 | $4,913 |
| InterestExpenseOperating | — | $68,605 | $70,057 | $74,748 |
| Mortgage Servicing Rights (MSR) Impairment (Recovery) | $-395 | $299 | $-281 | $-821 |
| Gain (Loss) on Sale of Mortgage Loans | $897 | $1,298 | $1,803 | $2,868 |
| Equity Securities, FV-NI, Realized Gain (Loss) | $38,904 | $38,904 | $38,904 | $38,904 |
| Noninterest Income, Other | $2,839 | $4,198 | $4,848 | $4,394 |
| Noninterest Income | $58,115 | $19,680 | $22,220 | $31,245 |
| Labor and Related Expense | $40,355 | $40,901 | $42,475 | $59,674 |
| Occupancy, Net | $5,670 | $5,957 | $7,849 | $9,531 |
| Information Technology and Data Processing | $8,011 | $9,692 | $10,255 | $12,646 |
| Supplies and Postage Expense | $1,084 | $885 | $950 | $1,722 |
| Gains (Losses) on Sales of Other Real Estate | $-2,133 | $694 | $159 | $219 |
| Gain (Loss) on Sale of Other Investments | $-7,901 | $-34 | $-34 | — |
| Advertising Expense | $326 | $313 | $176 | $280 |
| Noncash Contribution Expense | $944 | $793 | $972 | $779 |
| Federal Deposit Insurance Corporation Premium Expense | — | $1,850 | $2,310 | $2,615 |
| Expense Related to Distribution or Servicing and Underwriting Fees | $6,350 | $4,560 | $5,231 | $7,698 |
| Amortization of Intangible Assets | $6,324 | $5,793 | $5,003 | $7,551 |
| Other Noninterest Expense | $9,021 | $8,683 | $9,396 | $14,246 |
| Noninterest Expense | $88,119 | $78,767 | $84,458 | $116,554 |
| (in thousands, except per share data) | FY 2023 | FY 2024 | FY 2025 | TTM |
|---|---|---|---|---|
| Cash and Due from Banks | $69,973 | $59,164 | $55,345 | $84,891 |
| Interest-bearing Deposits in Banks and Other Financial Institutions | $177,495 | $202,168 | $187,862 | $181,632 |
| Cash and Cash Equivalents, at Carrying Value | $247,468 | $261,332 | $243,207 | $266,523 |
| DebtSecuritiesHeldToMaturityExcludingAccruedInterestAfterAllowanceForCreditLoss | $103,324 | $110,756 | $103,726 | $114,061 |
| DebtSecuritiesAvailableForSaleExcludingAccruedInterest | $142,197 | $223,061 | $164,422 | $494,571 |
| Accounts and Financing Receivables, Held-for-Sale, Not Part of Disposal Group, after Valuation Allowance | $3,012 | $3,088 | $6,243 | $4,843 |
| FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss | $3,342,974 | $3,517,168 | $3,604,651 | $4,521,687 |
| FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest | $43,609 | $44,151 | $44,374 | $56,029 |
| FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss | $3,299,365 | $3,473,017 | $3,560,277 | $4,465,658 |
| Property, Plant and Equipment, Net | $69,891 | $71,108 | $79,217 | $96,066 |
| Goodwill | $175,106 | $175,106 | $175,106 | $245,351 |
| Other Investments | $21,366 | $22,643 | $23,613 | $30,563 |
| Cash Surrender Value of Life Insurance | $61,292 | $61,542 | $61,085 | $97,888 |
| Finite-Lived Intangible Assets, Net | — | $21,203 | $16,200 | $42,991 |
| Servicing Asset at Fair Value, Amount | $13,668 | $13,369 | $13,650 | $18,019 |
| Other Real Estate | $2,573 | $741 | $741 | $2,420 |
| Investments in and Advance to Affiliates, Subsidiaries, Associates, and Joint Ventures | $32,926 | $34,093 | $35,444 | $35,903 |
| Other Assets | $22,658 | $24,001 | $23,905 | $32,655 |
| Assets | $4,221,842 | $4,495,060 | $4,506,095 | $5,947,512 |
| Advances from Federal Home Loan Banks | $35,270 | $135,372 | $109,966 | $80,000 |
| Subordinated Debt | $12,000 | $12,000 | $12,000 | $16,596 |
| Other Liabilities | $41,983 | $46,932 | $44,506 | $35,774 |
| Liabilities | $3,602,044 | $3,855,377 | $3,862,259 | $5,128,202 |
| Common Stock, Value, Issued | $115 | $115 | $115 | $129 |
| Additional Paid in Capital | $333,815 | $333,842 | $333,836 | $501,251 |
| Retained Earnings (Accumulated Deficit) | $348,001 | $398,002 | $416,997 | $449,971 |
| Treasury Stock, Common, Value | $53,387 | $82,925 | $102,088 | $123,122 |
| Accumulated Other Comprehensive Income (Loss), Net of Tax | $-8,746 | $-9,351 | $-5,024 | $-8,919 |
| Stockholders' Equity Attributable to Parent | $619,798 | $639,683 | $643,836 | $819,310 |
| Interest-bearing Deposit Liabilities | $2,382,185 | $2,636,192 | $2,692,711 | $3,489,250 |
| Noninterest-bearing Deposit Liabilities | $1,050,735 | $1,024,881 | $1,003,076 | $1,498,332 |
| Deposits | $3,432,920 | $3,661,073 | $3,695,787 | $4,987,582 |
| Debt Securities, Held-to-maturity, Fair Value | $103,626 | $109,424 | $105,146 | $113,700 |
| DebtSecuritiesAvailableForSaleAmortizedCostExcludingAccruedInterestAfterAllowanceForCreditLoss | $154,318 | $235,909 | $171,796 | $506,871 |
| Preferred Stock, Shares Authorized | 5,000,000 | 5,000,000 | 5,000,000 | 5,000,000 |
| Common Stock, Shares Authorized | 20,000,000 | 20,000,000 | 20,000,000 | 20,000,000 |
| Common Stock, Shares, Issued | 11,515,130 | 11,515,130 | 11,515,130 | 12,898,070 |
| Common Stock, Shares, Outstanding | 10,365,131 | 10,012,088 | 9,834,623 | 11,079,310 |
| Treasury Stock, Common, Shares | 1,149,999 | 1,503,042 | 1,680,507 | 1,818,760 |
| (in thousands, except per share data) | FY 2023 | FY 2024 | FY 2025 | TTM |
|---|---|---|---|---|
| Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents, Period Increase (Decrease), Excluding Exchange Rate Effect | $128,117 | $13,864 | $-18,125 | $146,195 |
| Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents | $247,468 | $261,332 | $243,207 | $340,980 |
| Net Income (Loss), Including Portion Attributable to Noncontrolling Interest | $74,514 | $65,563 | $71,496 | $81,059 |
| Proceeds from Sale and Maturity of Other Investments | $248 | $248 | $248 | $248 |
| Payments for (Proceeds from) Loans and Leases | $37,410 | $168,856 | $84,655 | $-46,491 |
| Proceeds from Divestiture of Interest in Joint Venture | $51,674 | $51,674 | $51,674 | $51,674 |
| Proceeds from Sale of Other Real Estate | $1,827 | $3,938 | $900 | $1,789 |
| Payments for (Proceeds from) Federal Home Loan Bank Stock | $-262 | $1,274 | $-79 | $-79 |
| Payments to Acquire Federal Reserve Bank Stock | $3,880 | $3,880 | $3,880 | — |
| Proceeds from Life Insurance Policy | $265 | $1,411 | $2,036 | $292 |
| Proceeds from Sale of Property, Plant, and Equipment | $548 | $2,380 | $1 | $76 |
| Payments to Acquire Property, Plant, and Equipment | $13,484 | $7,225 | $11,444 | $14,671 |
| Cash Acquired in Excess of Payments to Acquire Business | $89,959 | $89,959 | $89,959 | — |
| Net Cash Provided by (Used in) Investing Activities | $268,996 | $-252,937 | $-15,967 | $214,810 |
| Increase (Decrease) in Deposits | $-159,410 | $228,070 | $34,674 | $15,646 |
| Proceeds from (Payments for) in Securities Sold under Agreements to Repurchase | $-21,449 | $-75,747 | $-75,747 | $-75,747 |
| Proceeds from Notes Payable | $121,700 | $140,000 | $220,000 | $220,000 |
| Repayments of Notes Payable | $93,107 | $40,000 | $245,508 | $317,814 |
| Repayments of Subordinated Debt | $11,500 | $11,500 | $11,500 | $11,500 |
| Payments of Ordinary Dividends | $11,959 | $15,562 | $52,501 | $20,567 |
| Proceeds from Issuance of Common Stock | $195 | $245 | $737 | $308 |
| Payments for Repurchase of Common Stock | $10,046 | $31,928 | $22,042 | $23,439 |
| Net Cash Provided by (Used in) Financing Activities | $-193,824 | $200,954 | $-64,640 | $-125,866 |
| Provision for Loan, Lease, and Other Losses | $4,682 | $-800 | $1,250 | $1,250 |
| Amortization of Intangible Assets | $6,324 | $5,793 | $5,003 | $7,551 |
| Accretion (Amortization) of Discounts and Premiums, Investments | $2,377 | $3,411 | $3,409 | $5,543 |
| Share-based Payment Arrangement, Noncash Expense | $2,142 | $2,172 | $2,136 | $2,304 |
| Amortization of Deferred Loan Origination Fees, Net | $1,434 | $488 | $772 | $1,121 |
| Deferred Income Tax Expense (Benefit) | $-1,724 | $1,773 | $180 | $180 |
| Unrealized Gain (Loss) on Investments | $693 | $-296 | $1,330 | $1,763 |
| Gain (Loss) on Disposition of Property Plant Equipment | $-363 | $-375 | $-916 | $-916 |
| Gains (Losses) on Sales of Other Real Estate | $-2,133 | $694 | $159 | $219 |
| Proceeds from Sale of Mortgage Loans Held-for-sale | $74,693 | $118,240 | $169,336 | $236,712 |
| Payments for Origination of Mortgage Loans Held-for-sale | $76,160 | $117,018 | $170,688 | $233,419 |
| Gain (Loss) on Sale of Mortgage Loans | $897 | $1,298 | $1,803 | $2,868 |
| Realized Investment Gains (Losses) | $-7,901 | $-34 | $-34 | — |
| Bank Owned Life Insurance Income | $1,534 | $1,661 | $1,579 | $2,402 |
| Increase (Decrease) in Other Operating Assets | $2,006 | $2,994 | $1,231 | $-7,306 |
| Increase (Decrease) in Other Operating Liabilities | $15,920 | $5,849 | $-2,476 | $-25,456 |
| Net Cash Provided by (Used in) Operating Activities | $52,945 | $65,847 | $62,482 | $57,251 |
| Interest Paid, Excluding Capitalized Interest, Operating Activities | $44,145 | $65,970 | $71,035 | $74,974 |
| Income Taxes Paid | $23,806 | $14,086 | $15,869 | $17,788 |
| Real Estate Owned, Transfer from Real Estate Owned | $24 | $412 | $412 | $412 |
| Real Estate Owned, Transfer to Real Estate Owned | $2,623 | $1,748 | $1,748 | — |
| Mortgage Loan Related to Property Sales | $879 | $1,343 | $1,954 | $2,675 |
| Business Combination, Recognized Identifiable Assets Acquired and Liabilities Assumed, Assets | $615,105 | $615,105 | $615,105 | — |
| Business Combination, Recognized Identifiable Assets Acquired and Liabilities Assumed, Liabilities | $549,564 | $549,564 | $549,564 | — |
| Business Combination, Recognized Identifiable Assets Acquired and Liabilities Assumed, Net | $65,541 | $65,541 | $65,541 | — |
| Stock Issued During Period, Value, Acquisitions | $115,079 | $115,079 | $115,079 | — |