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MSBB • CIK 0001967306
| (in thousands, except per share data) | FY 2023 | FY 2024 | FY 2025 | TTM |
|---|---|---|---|---|
| Interest and Fee Income, Loans and Leases | $5,376.255 | $7,591.345 | $8,808.611 | $8,909.419 |
| Interest Income, Debt Securities, Operating | $263.756 | $313.957 | $337.029 | $335.481 |
| Interest Income, Deposits with Financial Institutions | $362.502 | $342.249 | $289.417 | $260.337 |
| Interest Income (Expense), Net | $5,402.641 | $5,713.477 | $6,797.812 | $7,121.732 |
| Interest and Dividend Income, Operating | $6,002.513 | $8,247.551 | $9,435.057 | $9,505.237 |
| Interest Income (Expense), after Provision for Loan Loss | $5,402.641 | $5,645.477 | $6,731.812 | $7,068.732 |
| Income (Loss) from Continuing Operations before Income Taxes, Noncontrolling Interest | $949.773 | $858.407 | $1,227.673 | $1,383.193 |
| Income Tax Expense (Benefit) | $180.215 | $165.67 | $255.368 | $279.154 |
| Net Income (Loss) Attributable to Parent | $769.558 | $692.737 | $972.305 | $1,104.039 |
| Interest Expense, Deposits | $485.306 | $1,733.492 | $1,845.588 | $2,063.034 |
| InterestExpenseOperating | — | $2,534.074 | $2,637.245 | $2,383.505 |
| Gain (Loss) on Sales of Loans, Net | $7.951 | $7.951 | $26.924 | $17.809 |
| Gain (Loss) on Sale of Investments | $-7.012 | $4.311 | $4.311 | — |
| Bank Owned Life Insurance Income | $58.819 | $63.699 | $47.274 | $38.612 |
| Noninterest Income, Other Operating Income | $19.801 | $179.157 | $37.021 | $35.213 |
| Noninterest Income | $645.355 | $845.923 | $504.844 | $458.959 |
| Labor and Related Expense | $2,197.427 | $2,514.918 | $2,703.854 | $3,032.167 |
| Noninterest Expense Directors Fees | $91.9 | $81.425 | $84 | $91.2 |
| Occupancy, Net | $452.674 | $506.096 | $556.3 | $636.04 |
| Information Technology and Data Processing | $528.187 | $645.73 | $856.108 | $657.517 |
| Taxes, Miscellaneous | $91.523 | $134.175 | $140.691 | $140.506 |
| Federal Deposit Insurance Corporation Premium Expense | $60.279 | $73.925 | $80.978 | $77.889 |
| Professional Fees | $248.995 | $507.273 | $535.051 | $517.982 |
| Advertising Expense | $97.111 | $125.618 | $93.15 | $97.606 |
| Loan Processing Fee | $101.743 | $288.833 | $264.58 | $237.332 |
| Other Noninterest Expense | $361.507 | $467.441 | $504.84 | $544.712 |
| Noninterest Expense | $5,098.223 | $5,632.993 | $6,008.983 | $6,144.498 |
| (in thousands, except per share data) | FY 2023 | FY 2024 | FY 2025 | TTM |
|---|---|---|---|---|
| Cash and Due from Banks | $1,707.488 | $2,303.569 | $2,576.165 | $2,600.454 |
| Interest-bearing Deposits in Banks and Other Financial Institutions | $4,583.848 | $2,435.027 | $713.022 | $2,229.165 |
| Federal Funds Sold | — | $1,159 | $2,074 | $1,122 |
| Cash and Cash Equivalents, at Carrying Value | $6,291.336 | $5,897.596 | $5,363.187 | $5,951.619 |
| DebtSecuritiesAvailableForSaleExcludingAccruedInterest | — | $11,121.278 | $9,656.114 | $9,726.039 |
| DebtSecuritiesHeldToMaturityExcludingAccruedInterestAfterAllowanceForCreditLoss | — | $92.84 | $67.723 | $60.21 |
| Financing Receivable, Held-for-Sale | $3,094.405 | $10,538.902 | $8,051.398 | $6,146.205 |
| FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss | — | $146,041.635 | $143,257.565 | $142,711.469 |
| FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest | — | $963.268 | $960.307 | $866.241 |
| FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss | — | $145,078.367 | $142,297.258 | $141,845.228 |
| Property, Plant and Equipment, Net | $2,601.575 | $2,731.333 | $5,151.721 | $5,078.211 |
| Federal Home Loan Bank Stock | $1,368.9 | $1,872.5 | $1,208.1 | $921.5 |
| Bank Owned Life Insurance | $1,783.88 | $1,829.18 | $1,876.454 | $1,900.697 |
| Interest Receivable | $456.867 | $685.515 | $678.357 | $639.336 |
| Fair Value, Concentration of Risk, Investment in Federal Home Loan Bank Stock | $490.411 | $463.873 | $434.749 | $421.737 |
| Deferred Income Tax Assets, Net | $407.304 | $283.564 | $233.548 | $201.657 |
| Other Assets | $833.606 | $1,053.268 | $1,053.048 | $943.294 |
| Assets | $159,046.613 | $181,748.216 | $176,171.657 | $173,935.733 |
| Long-term Federal Home Loan Bank Advances | $1,000 | $22,000 | $6,000 | $1,000 |
| Liability, Defined Benefit Plan | $444.77 | $409.033 | $370.729 | $349.56 |
| Accrued Liabilities and Other Liabilities | $1,001.47 | $829.193 | $1,189.561 | $931.811 |
| Liabilities | $136,261.988 | $157,795.183 | $151,548.319 | $148,835.636 |
| Preferred Stock, Value, Issued | $0 | — | — | $0 |
| Common Stock, Value, Issued | $10.229 | $10.229 | $9.959 | $9.818 |
| Additional Paid in Capital | $8,723.652 | $8,658.653 | $8,368.876 | $8,225.708 |
| Unearned ESOP Shares | $818.38 | $763.82 | $709.269 | $654.367 |
| Common Stock Held in Trust | — | $96.36 | $96.36 | $96.36 |
| Retained Earnings (Accumulated Deficit) | $15,729.45 | $16,371.313 | $17,343.618 | $17,787.027 |
| Accumulated Other Comprehensive Income (Loss), Net of Tax | $-860.326 | $-323.342 | $-389.846 | $-268.089 |
| Stockholders' Equity Attributable to Parent | $22,784.625 | $23,953.033 | $24,623.338 | $25,100.097 |
| Deposits, Savings Deposits | $39,900.297 | $36,559.264 | $35,242.936 | $34,448.299 |
| Time Deposits | $32,317.957 | $42,857.955 | $50,285.617 | $48,010.393 |
| Deposits | $122,815.748 | $134,556.957 | $143,988.029 | $146,554.265 |
| DebtSecuritiesHeldToMaturityAllowanceForCreditLossExcludingAccruedInterest | — | $0 | $0 | $0 |
| Preferred Stock, Shares Authorized | 1,000,000 | 1,000,000 | 1,000,000 | 1,000,000 |
| Preferred Stock, Shares Issued | 0 | 0 | 0 | 0 |
| Common Stock, Shares Authorized | 9,000,000 | 9,000,000 | 9,000,000 | 9,000,000 |
| Common Stock, Shares, Issued | 1,022,970 | 1,022,970 | 1,027,477 | 1,013,303 |
| Common Stock, Shares, Outstanding | — | 1,022,970 | 1,027,477 | 1,013,303 |
| (in thousands, except per share data) | FY 2023 | FY 2024 | FY 2025 | TTM |
|---|---|---|---|---|
| Net Income (Loss), Including Portion Attributable to Noncontrolling Interest | $769.558 | $692.737 | $972.305 | $1,104.039 |
| Net Cash Provided by (Used in) Operating Activities | $-1,713.595 | $-8,127.996 | $1,871.616 | $2,490.418 |
| Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents, Period Increase (Decrease), Excluding Exchange Rate Effect | $-8,085.382 | $-393.74 | $-534.409 | $-758.05 |
| Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents | $6,291.336 | $5,897.596 | $5,363.187 | $5,215.517 |
| Depreciation, Depletion and Amortization | $312.774 | $365.793 | $399.406 | $543.554 |
| Amortization of Debt Discount (Premium) | $52.852 | $12.001 | $10.907 | $2.36 |
| Amortization of Deferred Loan Origination Fees, Net | $72.384 | $71.413 | $87.122 | $122.707 |
| Payments to Acquire Debt Securities, Available-for-sale | $2,306.536 | $2,456.102 | $277.432 | $2,266.933 |
| Deferred Income Taxes and Tax Credits | — | — | $67.392 | $43.558 |
| Proceeds from Sale of Debt Securities, Available-for-sale | $1,654.746 | $887.586 | $0 | $2,058.697 |
| Proceeds from Maturities, Prepayments and Calls of Debt Securities, Available-for-sale | $1,771.915 | $2,570.414 | $1,648.135 | $621.089 |
| Employee Stock Ownership Plan (ESOP), Compensation Expense | $30 | $99 | $77.912 | $95.674 |
| Proceeds from Maturities, Prepayments and Calls of Held-to-maturity Securities | $83.316 | $53.027 | $24.49 | $17.168 |
| Gain (Loss) on Sales of Loans, Net | $7.951 | $7.951 | $26.924 | $17.809 |
| Payments for (Proceeds from) Loans Receivable | $12,296.339 | $14,279.116 | $-5,244.776 | $-5,718.458 |
| Proceeds from Sale of Loans Held-for-sale | $287.032 | $287.032 | $1,979.177 | $1,634.715 |
| Payments to Acquire Property, Plant, and Equipment | $295.309 | $485.158 | $2,809.888 | $1,888.531 |
| Payments for Origination of Mortgage Loans Held-for-sale | $3,375.905 | $8,425.68 | $1,965.367 | $1,474.919 |
| Payments to Acquire Federal Home Loan Bank Stock | $298.7 | $1,286.7 | $80.1 | $0 |
| Gain (Loss) on Sale of Investments | $-7.012 | $4.311 | $4.311 | — |
| Proceeds from Sale of Federal Home Loan Bank Stock | $320 | $783.1 | $744.5 | $1,031.1 |
| Proceeds from Sale of Foreclosed Assets | $18 | $205.996 | $54.3 | $76.255 |
| Other Noncash Income (Expense) | — | $63.699 | $47.274 | $48.113 |
| Net Cash Provided by (Used in) Investing Activities | $-11,344.393 | $-14,006.953 | $4,548.781 | $5,367.303 |
| Share-based Payment Arrangement, Noncash Expense | — | $98.708 | $81.844 | $73.639 |
| Increase (Decrease) in Deposits | $-11,942.895 | $11,741.209 | $9,431.072 | $7,765.02 |
| Proceeds from FHLBank Borrowings, Financing Activities | $13,500 | $148,600 | $75,000 | $34,000 |
| Payments for Repurchase of Common Stock | — | — | $385.878 | $380.791 |
| Net Cash Provided by (Used in) Financing Activities | $4,972.606 | $21,741.209 | $-6,954.806 | $-8,615.771 |
| Interest Paid, Excluding Capitalized Interest, Operating Activities | $533.216 | $2,446.502 | $2,475.012 | $2,277.577 |
| Income Taxes Paid, Net | $171.979 | $400.5 | $300 | $0 |
| Increase (Decrease) in Accrued Interest Receivable, Net | $79.964 | $228.648 | $-7.158 | $-37.688 |
| Increase (Decrease) in Other Operating Assets | $-207.594 | $203.517 | $-30.494 | $-428.649 |
| Increase (Decrease) in Other Operating Liabilities | $395.865 | $-329.356 | $312.69 | $63.825 |