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BWFG • CIK 0001505732
| (in thousands, except per share data) | FY 2023 | FY 2024 | FY 2025 | TTM |
|---|---|---|---|---|
| Interest and Fee Income, Loans and Leases | $170,181 | $172,832 | $180,670 | $188,277 |
| Interest and Dividend Income, Securities, Operating | $4,126 | $5,192 | $6,167 | $6,947 |
| Interest Income (Expense), Net | $94,468 | $83,282 | $98,935 | $109,322 |
| Interest and Dividend Income, Operating | $188,454 | $191,994 | $198,327 | $203,973 |
| Financing Receivable, Credit Loss, Expense (Reversal) | $866 | $22,620 | $1,040 | $1,187 |
| Interest Income (Expense), after Provision for Loan Loss | $93,602 | $60,662 | $97,895 | $108,135 |
| Income (Loss) from Continuing Operations before Income Taxes, Noncontrolling Interest | $48,043 | $13,329 | $48,495 | $58,384 |
| Income Tax Expense (Benefit) | $11,380 | $3,559 | $13,297 | $15,515 |
| Net Income (Loss) Attributable to Parent | $36,663 | $9,770 | $35,198 | $42,869 |
| Interest Expense, Deposits | $86,906 | $101,258 | $92,828 | $88,170 |
| Interest Expense, Borrowings | $7,080 | $7,454 | $6,564 | $6,481 |
| InterestExpenseOperating | — | $108,712 | $99,392 | $94,651 |
| Gain (Loss) on Sales of Loans, Net | $1,972 | $523 | $5,078 | $8,379 |
| Bank Owned Life Insurance Income | $1,192 | $1,356 | $1,416 | $1,444 |
| Revenue from Contract with Customer, Excluding Assessed Tax | $1,629 | $1,963 | $2,826 | $2,995 |
| Noninterest Income, Other Operating Income | $49 | $-124 | $68 | $-324 |
| Noninterest Income | $4,842 | $3,718 | $9,388 | $12,494 |
| Labor and Related Expense | $24,595 | $23,746 | $30,285 | $34,220 |
| Occupancy, Net | $8,665 | $9,494 | $10,124 | $10,565 |
| Information Technology and Data Processing | $2,888 | $3,251 | $3,107 | $2,920 |
| Professional Fees | $3,538 | $4,482 | $5,988 | $5,584 |
| Noninterest Expense Directors Fees | $1,812 | $1,840 | $1,351 | $1,390 |
| Federal Deposit Insurance Corporation Premium Expense | $4,164 | $3,350 | $2,685 | $2,295 |
| Marketing Expense | $651 | $452 | $608 | $503 |
| Other Noninterest Expense | $4,088 | $4,436 | $4,640 | $4,768 |
| Noninterest Expense | $50,401 | $51,051 | $58,788 | $62,245 |
| Weighted Average Number of Shares Outstanding, Basic | 7,587,768 | 7,710,076 | 7,750,191 | 7,816,644 |
| Weighted Average Number of Shares Outstanding, Diluted | 7,647,411 | 7,737,952 | 7,826,280 | 7,907,618 |
| Undistributed Earnings (Loss) Allocated to Participating Securities, Basic | $794 | $87 | $514 | $606 |
| Net Income (Loss) Available to Common Stockholders, Basic | $35,705 | $9,527 | $34,790 | $42,264 |
| Weighted Average Number Diluted Shares Outstanding Adjustment | 60,000 | 28,000 | 76,000 | 82,385 |
| Change in Unrealized Gain (Loss) on Hedged Item in Fair Value Hedge | $915 | $-665 | $-108 | $-230 |
| Change in Unrealized Gain (Loss) on Fair Value Hedging Instruments | $1,148 | $2,084 | $151 | $50 |
| Derivative, Fair Value Hedge, Included in Effectiveness, Gain (Loss) | $2,063 | $1,419 | $43 | $-180 |
| (in thousands, except per share data) | FY 2023 | FY 2024 | FY 2025 | TTM |
|---|---|---|---|---|
| Cash and Due from Banks | $267,521 | $293,552 | $214,567 | $191,378 |
| Federal Funds Sold | $1,636 | $13,972 | $10,354 | $12,018 |
| Cash, Cash Equivalents, and Federal Funds Sold | $269,157 | $307,524 | $224,921 | $203,396 |
| FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss | $2,685,301 | $2,672,959 | $2,804,441 | $2,924,890 |
| Other Real Estate | — | $8,299 | $0 | $0 |
| Interest Receivable | $14,863 | $14,535 | $16,143 | $16,270 |
| Federal Home Loan Bank Stock | $5,696 | $5,655 | $6,207 | $3,143 |
| Property, Plant, and Equipment and Finance Lease Right-of-Use Asset, after Accumulated Depreciation and Amortization | $27,018 | $23,856 | $21,582 | $20,068 |
| Bank Owned Life Insurance | $51,435 | $52,791 | $54,207 | $54,931 |
| Goodwill | $2,589 | $2,589 | $2,589 | $2,589 |
| Deferred Income Tax Assets, Net | $9,383 | $9,742 | $11,356 | $9,992 |
| Other Assets | $22,417 | $24,427 | $26,291 | $34,678 |
| Assets | $3,215,482 | $3,268,476 | $3,359,859 | $3,475,570 |
| Equity Securities, FV-NI | $2,070 | $2,118 | $2,248 | $2,263 |
| DebtSecuritiesAvailableForSaleExcludingAccruedInterest | $109,736 | $107,428 | $160,409 | $174,036 |
| DebtSecuritiesHeldToMaturityAmortizedCostAfterAllowanceForCreditLoss | $15,817 | $36,553 | $29,465 | $29,314 |
| Short-term Investments | $127,623 | $146,099 | $192,122 | $205,613 |
| Advances from Federal Home Loan Banks | $90,000 | $90,000 | $110,000 | $30,000 |
| Subordinated Long-term Debt, Noncurrent | $69,205 | $69,451 | $69,697 | $69,820 |
| Accrued Liabilities and Other Liabilities | $53,768 | $50,935 | $49,192 | $51,720 |
| Liabilities | $2,949,730 | $2,997,956 | $3,058,370 | $3,152,070 |
| Common Stock, Value, Issued | $118,247 | $119,108 | $120,118 | $121,997 |
| Retained Earnings (Accumulated Deficit) | $149,169 | $152,656 | $181,587 | $202,073 |
| Accumulated Other Comprehensive Income (Loss), Net of Tax | $-1,664 | $-1,244 | $-216 | $-570 |
| Stockholders' Equity Attributable to Parent | $265,752 | $270,520 | $301,489 | $323,500 |
| Noninterest-bearing Deposit Liabilities | $346,172 | $321,875 | $403,652 | $472,008 |
| Interest-bearing Deposit Liabilities | $2,390,585 | $2,465,695 | $2,425,829 | $2,528,522 |
| Deposits | $2,736,757 | $2,787,570 | $2,829,481 | $3,000,530 |
| Debt Securities, Held-to-maturity, Fair Value | $15,903 | $36,691 | $31,045 | $30,814 |
| FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest | $27,946 | $29,007 | $30,705 | $30,627 |
| Common Stock, Shares Authorized | 10,000,000 | 10,000,000 | 10,000,000 | 10,000,000 |
| Common Stock, Shares, Issued | 7,882,616 | 7,859,873 | 7,899,943 | 7,973,180 |
| (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), Including Exchange Rate Effect | $-86,522 | $38,367 | $-82,603 | $-119,068 |
| Net Income (Loss) Attributable to Parent | $36,663 | $9,770 | $35,198 | $42,869 |
| Net Cash Provided by (Used in) Operating Activities | $31,927 | $29,936 | $28,273 | $35,826 |
| Proceeds from Sale of Debt Securities, Available-for-sale | $4,862 | $4,813 | $4,347 | $4,015 |
| Proceeds from Sale of Held-to-maturity Securities | $223 | $263 | $248 | $286 |
| Proceeds from Maturities, Prepayments and Calls of Debt Securities, Available-for-sale | — | $10,000 | $31,000 | $31,000 |
| Proceeds from Maturities, Prepayments and Calls of Held-to-maturity Securities | — | — | $7,500 | $7,472 |
| Payments to Acquire Debt Securities, Available-for-sale | $9,847 | $10,000 | $85,714 | $105,146 |
| Payments to Acquire Marketable Securities | $51 | $62 | $69 | $85 |
| Payments to Acquire Held-to-maturity Securities | $50 | $21,125 | $643 | $643 |
| Proceeds from Sale of Loans Held-for-investment | $25,028 | $4,911 | $48,917 | $86,623 |
| Payments to Acquire Property, Plant, and Equipment | $2,045 | $613 | $1,144 | $1,330 |
| Payments for (Proceeds from) Federal Home Loan Bank Stock | $480 | $-41 | $552 | $-1,909 |
| Proceeds from Sale of Other Real Estate | — | — | $9,691 | $1,496 |
| Net Cash Provided by (Used in) Investing Activities | $-48,302 | $-33,961 | $-165,186 | $-344,702 |
| Increase (Decrease) in Time Deposits | $88,683 | $56,786 | $-141,498 | $-155,895 |
| Increase (Decrease) in Other Deposits | $-152,744 | $-5,974 | $183,409 | $397,144 |
| Payments of FHLBank Borrowings, Financing Activities | — | — | $170,000 | $320,000 |
| Proceeds from FHLBank Borrowings, Financing Activities | — | — | $190,000 | $275,000 |
| Payments of Ordinary Dividends, Common Stock | $6,241 | $6,283 | $6,267 | $6,291 |
| Payments for Repurchase of Common Stock | $0 | $2,137 | $1,334 | $150 |
| Net Cash Provided by (Used in) Financing Activities | $-70,147 | $42,392 | $54,310 | $189,808 |
| Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents | $269,157 | $307,524 | $224,921 | $137,894 |
| IncomeTaxPaidFederalAfterRefundReceived | — | — | $6,900 | $10,890 |
| Transfer of Portfolio Loans and Leases to Held-for-sale | $23,058 | $4,387 | $43,839 | $78,243 |
| Accretion (Amortization) of Discounts and Premiums, Investments | $-54 | $-148 | $-62 | $-83 |
| Financing Receivable, Credit Loss, Expense (Reversal) | $866 | $22,620 | $1,040 | $1,187 |
| Deferred Income Tax Expense (Benefit) | $-191 | $-469 | $-1,405 | $117 |
| Equity Securities, FV-NI, Gain (Loss) | $31 | $-13 | $61 | $-10 |
| Depreciation, Depletion and Amortization | $3,623 | $3,775 | $4,084 | $4,282 |
| Amortization of Debt Issuance Costs | $246 | $246 | $246 | $246 |
| Life Insurance, Corporate or Bank Owned, Change in Value | $1,192 | $1,356 | $1,416 | $1,444 |
| Gain (Loss) on Sales of Loans, Net | $1,972 | $523 | $5,078 | $8,379 |
| Share-based Payment Arrangement, Noncash Expense | $3,074 | $2,998 | $2,344 | $3,449 |
| Gain (Loss) on Disposition of Other Assets | — | — | $-31 | $-31 |
| Interest Paid, Excluding Capitalized Interest, Operating Activities | $86,042 | $108,713 | $99,392 | $94,648 |
| Income Taxes Paid, Net | $12,102 | $5,378 | — | $5,514 |
| Increase (Decrease) in Deferred Income Taxes | — | — | $527 | $527 |
| Increase (Decrease) in Deferred Charges | $1,431 | $1,437 | $-1,004 | $-191 |
| Increase (Decrease) in Accrued Interest Receivable, Net | $1,793 | $-328 | $1,608 | $1,529 |
| Increase (Decrease) in Other Operating Assets | $2,941 | $3,359 | $4,363 | $8,243 |
| Increase (Decrease) in Other Accounts Payable and Accrued Liabilities | $-3,061 | $-2,818 | $-1,138 | $2,442 |