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FSBC • CIK 0001275168
| (in thousands, except per share data) | FY 2023 | FY 2024 | FY 2025 | TTM |
|---|---|---|---|---|
| Interest and Fee Income, Loans and Leases | $162,713 | $193,341 | $229,214 | $247,948 |
| Interest Income, Securities, Operating, Taxable | $1,876 | $1,830 | $1,626 | $1,552 |
| Interest Income, Securities, Operating, Tax Exempt | $724 | $700 | $672 | $641 |
| Interest Income (Expense), Net | $110,880 | $119,711 | $151,905 | $170,953 |
| Interest Income, Deposits with Financial Institutions | $9,069 | $11,080 | $17,421 | $20,799 |
| Provision for Loan, Lease, and Other Losses | $4,000 | $6,950 | $9,700 | $10,225 |
| Interest and Dividend Income, Operating | $174,382 | $206,951 | $248,933 | $270,940 |
| Interest Income (Expense), after Provision for Loan Loss | $106,880 | $112,761 | $142,205 | $160,728 |
| Income (Loss) from Continuing Operations before Income Taxes, Noncontrolling Interest | $66,616 | $64,721 | $83,732 | $96,362 |
| Income Tax Expense (Benefit) | $18,882 | $19,050 | $22,126 | $24,355 |
| Net Income (Loss) Attributable to Parent | $47,734 | $45,671 | $61,606 | $72,007 |
| Interest Expense, Deposits | $57,861 | $82,398 | $92,382 | $95,341 |
| Interest Expense, Subordinated Notes and Debentures | $4,646 | $4,646 | $4,646 | $4,646 |
| Interest Expense, Other Short-term Borrowings | — | $196 | $0 | $0 |
| InterestExpenseOperating | — | $87,240 | $97,028 | $99,987 |
| Gain (Loss) on Sale of Loans and Leases | $1,952 | $1,274 | $244 | $0 |
| Bank Owned Life Insurance Income | $510 | $644 | $824 | $933 |
| Noninterest Income, Other Operating Income | $1,952 | $889 | $1,239 | $549 |
| Noninterest Income | $7,511 | $6,453 | $6,535 | $6,881 |
| Labor and Related Expense | $27,097 | $31,709 | $37,885 | $42,692 |
| Occupancy, Net | $2,218 | $2,547 | $2,782 | $3,190 |
| Information Technology and Data Processing | $4,015 | $5,088 | $6,121 | $6,416 |
| Federal Deposit Insurance Corporation Premium Expense | $1,557 | $1,635 | $1,950 | $2,155 |
| Professional Fees | $2,575 | $3,078 | $3,723 | $3,770 |
| Advertising Expense | $2,403 | $2,411 | $3,178 | $3,494 |
| Other Noninterest Expense | $6,718 | $6,818 | $7,946 | $8,298 |
| Noninterest Expense | $47,775 | $54,493 | $65,008 | $71,247 |
| Weighted Average Number of Shares Outstanding, Basic | 17,166,592 | 20,154,385 | 21,224,788 | 21,270,439 |
| Weighted Average Number Diluted Shares Outstanding Adjustment | 21,377 | 51,055 | 48,764 | 73,372 |
| Weighted Average Number of Shares Outstanding, Diluted | 17,187,969 | 20,205,440 | 21,273,552 | 21,343,811 |
| Interest Expense | $63,502 | — | — | $73,136 |
| (in thousands, except per share data) | FY 2023 | FY 2024 | FY 2025 | TTM |
|---|---|---|---|---|
| Cash and Due from Banks | $26,986 | $33,882 | $33,978 | $45,966 |
| Interest-bearing Deposits in Banks and Other Financial Institutions | $294,590 | $318,461 | $472,873 | $639,108 |
| Time Deposits, at Carrying Value | $5,858 | $4,121 | $100 | $0 |
| Debt Securities, Available-for-sale | $108,083 | $98,194 | $94,699 | $90,584 |
| Debt Securities, Held-to-maturity | $3,077 | $2,720 | $2,190 | $2,135 |
| Financing Receivable, Held-for-Sale, Not Part of Disposal Group, after Valuation Allowance | $11,464 | $3,247 | $0 | $0 |
| Financing Receivable, before Allowance for Credit Loss | $3,081,719 | $3,532,686 | $4,074,929 | $4,519,681 |
| Financing Receivable, Allowance for Credit Loss | $34,431 | $37,791 | $44,409 | $47,335 |
| Financing Receivable, after Allowance for Credit Loss | $3,047,288 | $3,494,895 | $4,030,520 | $4,472,346 |
| Federal Home Loan Bank Stock | $15,000 | $15,000 | $15,000 | $15,000 |
| Operating Lease, Right-of-Use Asset | $5,284 | $6,245 | $10,802 | $10,138 |
| Property, Plant and Equipment, Net | $1,623 | $1,584 | $2,109 | $2,333 |
| Bank Owned Life Insurance | $17,180 | $19,375 | $23,910 | $28,759 |
| Interest Receivable and Other Assets | $56,692 | $55,554 | $68,680 | $70,693 |
| Assets | $3,593,125 | $4,053,278 | $4,754,861 | $5,377,062 |
| Noninterest-bearing Deposit Liabilities | $831,101 | $922,629 | $1,084,537 | $1,174,406 |
| Interest-bearing Deposit Liabilities | $2,195,795 | $2,635,365 | $3,116,547 | $3,624,977 |
| Deposits | $3,026,896 | $3,557,994 | $4,201,084 | $4,799,383 |
| Subordinated Debt | $73,749 | $73,895 | $74,041 | $74,114 |
| Other Borrowings | — | $0 | $0 | $0 |
| Operating Lease, Liability | $5,603 | $6,857 | $11,872 | $11,262 |
| Interest Payable | $31,103 | $17,908 | $22,032 | $18,532 |
| Liabilities | $3,307,351 | $3,656,654 | $4,309,029 | $4,903,291 |
| Preferred Stock, Value, Issued | $0 | $0 | $0 | $0 |
| Common Stock, Value, Issued | $220,505 | $302,531 | $303,990 | $304,868 |
| Retained Earnings (Accumulated Deficit) | $77,036 | $106,464 | $150,985 | $178,318 |
| Accumulated Other Comprehensive Income (Loss), Net of Tax | $-11,767 | $-12,371 | $-9,143 | $-9,415 |
| Stockholders' Equity Attributable to Parent | $285,774 | $396,624 | $445,832 | $473,771 |
| Debt Securities, Available-for-sale, Amortized Cost | $124,788 | $115,757 | $107,197 | $103,308 |
| Debt Securities, Held-to-maturity, Allowance for Credit Loss | $20 | $20 | $20 | $20 |
| Debt Securities, Held-to-maturity, Fair Value | $2,913 | $2,353 | $1,995 | $1,927 |
| Preferred Stock, Shares Authorized | 10,000,000 | 10,000,000 | 10,000,000 | 10,000,000 |
| Preferred Stock, Shares Issued | 0 | 0 | 0 | 0 |
| Common Stock, Shares Authorized | 100,000,000 | 100,000,000 | 100,000,000 | 100,000,000 |
| Common Stock, Shares, Issued | 17,256,989 | 21,319,083 | 21,367,387 | 21,402,864 |
| Other Assets | $25,148 | $20,565 | $22,189 | $22,189 |
| Time Deposits | $466,572 | — | — | $466,572 |
| (in thousands, except per share data) | FY 2023 | FY 2024 | FY 2025 | TTM |
|---|---|---|---|---|
| Net Income (Loss) Attributable to Parent | $47,734 | $45,671 | $61,606 | $72,007 |
| Net Cash Provided by (Used in) Operating Activities | $38,914 | $51,786 | $72,612 | $81,956 |
| Proceeds from Sale of Debt Securities, Available-for-sale | $737 | $0 | $0 | $0 |
| Proceeds from Maturities, Prepayments and Calls of Debt Securities, Available-for-sale | $10,056 | $8,445 | $9,321 | $8,755 |
| Payments to Acquire Debt Securities, Available-for-sale | $1,151 | $0 | $1,030 | $1,030 |
| Proceeds from Sale of Equity Method Investments | — | — | $283 | $343 |
| Proceeds from (Payments for) in Interest-bearing Deposits in Banks | $3,991 | $1,737 | $4,021 | $849 |
| Payments to Acquire Property, Plant, and Equipment | $653 | $628 | $1,197 | $1,462 |
| Payments for (Proceeds from) Federal Home Loan Bank Stock | $4,110 | $0 | $0 | $0 |
| Payment to Acquire Life Insurance Policy, Investing Activities | $2,001 | $1,551 | $3,711 | $4,360 |
| Proceeds from Sale of Other Real Estate | — | — | $87 | $0 |
| Net Cash Provided by (Used in) Investing Activities | $-279,278 | $-446,744 | $-544,109 | $-766,219 |
| Increase (Decrease) in Deposits | $244,892 | $531,098 | $643,090 | $904,761 |
| Proceeds from Issuance of Common Stock | — | $80,870 | $0 | $0 |
| Proceeds from (Repayments of) Short-term Debt | — | $-170,000 | $0 | $0 |
| Payments of Dividends | $12,943 | $16,243 | $17,085 | $19,234 |
| Net Cash Provided by (Used in) Financing Activities | $301,949 | $425,725 | $626,005 | $885,527 |
| Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents, Period Increase (Decrease), Including Exchange Rate Effect | $61,585 | $30,767 | $154,508 | $201,264 |
| Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents | $321,576 | $352,343 | $506,851 | $698,639 |
| Interest Paid, Excluding Capitalized Interest, Operating Activities | $61,854 | $87,113 | $97,581 | $101,905 |
| Unrealized Gain (Loss) on Investments | $2,228 | $-858 | $5,067 | $3,620 |
| Lease Obligation Incurred | $2,260 | $2,170 | $6,132 | $6,132 |
| Retained Earnings (Accumulated Deficit) | $77,036 | $106,464 | $150,985 | $199,938 |
| Provision for Loan, Lease, and Other Losses | $4,000 | $6,950 | $9,700 | $10,225 |
| Depreciation, Depletion and Amortization, Nonproduction | $1,612 | $1,877 | $2,247 | $2,247 |
| Amortization of Deferred Loan Origination Fees, Net | $-117 | $337 | $-170 | $3 |
| Accretion (Amortization) of Discounts and Premiums, Investments | $-1,152 | $-943 | $-800 | $-750 |
| Amortization of Debt Issuance Costs | $144 | $146 | $146 | $146 |
| Amortization Method Qualified Affordable Housing Project Investments, Amortization | $291 | $1,050 | $1,769 | $2,291 |
| Share-based Payment Arrangement, Noncash Expense | $962 | $1,156 | $1,459 | $1,713 |
| Bank Owned Life Insurance Income | $510 | $644 | $824 | $933 |
| Deferred Income Tax Expense (Benefit) | $-897 | $-243 | $-578 | $-1,278 |
| Payments for Origination and Purchases of Loans Held-for-sale | $47,922 | $21,654 | $1,384 | $0 |
| Gain (Loss) on Sales of Loans, Net | $1,952 | $1,274 | $244 | $0 |
| Proceeds from Sale of Loans Held-for-sale | $38,410 | $19,682 | $3,531 | $0 |
| Debt Securities, Available-for-sale, Realized Gain (Loss) | $-167 | $0 | $0 | $0 |
| Equity Method Investment, Realized Gain (Loss) on Disposal | — | $545 | $821 | $821 |
| IncomeTaxPaidFederalAfterRefundReceived | — | — | $11,647 | $11,647 |
| Income Taxes Paid, Net | $19,969 | $16,884 | $24,959 | $18,596 |
| Increase (Decrease) in Accrued Interest Receivable, Net | $3,417 | $-2,535 | $3,378 | $1,829 |
| Increase (Decrease) in Interest Payable, Net | $1,897 | $-2,611 | $6,102 | $6,886 |
| IncreaseDecreaseInOperatingLeaseLiability | $-900 | $-916 | $-1,117 | $-1,268 |