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NBBK • CIK 0001979330
| (in thousands, except per share data) | FY 2023 | FY 2024 | FY 2025 | TTM |
|---|---|---|---|---|
| Interest and Fee Income, Loans and Leases | $211,973 | $270,764 | $315,009 | $375,464 |
| Interest Income, Debt Securities, Operating | $4,773 | $6,853 | $9,508 | $10,378 |
| Interest Income (Expense), Net | $130,057 | $161,198 | $197,458 | $240,938 |
| Interest and Dividend Income, Operating | $220,501 | $292,516 | $335,748 | $396,528 |
| Interest Income (Expense), after Provision for Loan Loss | $116,172 | $149,075 | $192,805 | $231,083 |
| Income (Loss) from Continuing Operations before Income Taxes, Noncontrolling Interest | $11,844 | $58,618 | $71,131 | $82,689 |
| Income Tax Expense (Benefit) | $2,019 | $16,469 | $20,829 | $23,514 |
| Net Income (Loss) Attributable to Parent | $9,825 | $42,149 | $50,302 | $59,175 |
| Weighted Average Number of Shares Outstanding, Basic | 42,018,229 | 39,389,829 | 37,409,219 | 39,621,737 |
| Weighted Average Number of Shares Outstanding, Diluted | 42,018,229 | 39,389,829 | 37,626,188 | 40,038,442 |
| Interest Expense, Deposits | $76,394 | $126,923 | $132,879 | $149,215 |
| Interest Expense, Borrowings | $14,050 | $4,395 | $5,411 | $6,375 |
| InterestExpenseOperating | — | $131,318 | $138,290 | $155,590 |
| FinancingReceivableExcludingAccruedInterestCreditLossExpenseReversal | $9,657 | $14,934 | $4,677 | $8,862 |
| Off-Balance Sheet, Credit Loss, Liability, Credit Loss Expense (Reversal) | $4,228 | $-2,811 | $-24 | $993 |
| Financing Receivable, Credit Loss, Expense (Reversal) | $13,885 | $12,123 | $4,653 | $9,855 |
| Investment Banking Revenue | $7,817 | $7,784 | $10,505 | $12,205 |
| Bank Owned Life Insurance Income | $1,510 | $2,269 | $3,293 | $3,290 |
| Fees and Commissions, Mortgage Banking and Servicing | $581 | $1,023 | $53 | $-53 |
| Gain (Loss) on Sale of Derivatives | $2,153 | $1,659 | $1,497 | $1,158 |
| Noninterest Income, Other Operating Income | $64 | $664 | $852 | $1,406 |
| Noninterest Income | $15,577 | $11,532 | $16,200 | $18,232 |
| Labor and Related Expense | $68,344 | $67,257 | $77,492 | $90,792 |
| Information Technology and Data Processing | $7,500 | $9,024 | $11,512 | $15,592 |
| Marketing and Advertising Expense | — | $3,459 | $3,837 | $4,600 |
| Federal Deposit Insurance Corporation Premium Expense | $4,707 | $2,847 | $3,374 | $4,414 |
| Business Combination, Integration Related Costs | — | — | $17,265 | $17,265 |
| General and Administrative Expense | $4,848 | $5,221 | $7,327 | $12,738 |
| Noninterest Expense | $119,905 | $101,989 | $137,874 | $166,626 |
| (in thousands, except per share data) | FY 2023 | FY 2024 | FY 2025 | TTM |
|---|---|---|---|---|
| Cash and Due from Banks | $90,485 | $211,166 | $325,711 | $372,522 |
| Federal Funds Sold | $182,106 | $152,689 | $81,885 | $27,632 |
| Cash, Cash Equivalents, and Federal Funds Sold | $272,591 | $363,855 | $407,596 | $400,154 |
| DebtSecuritiesAvailableForSaleExcludingAccruedInterest | $189,465 | $228,205 | $268,959 | $272,640 |
| Liabilities and Equity | $4,533,412 | $5,157,737 | $7,006,130 | $7,446,880 |
| Loans Held-for-sale, Fair Value Disclosure | — | — | $66,447 | $59,927 |
| FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss | $3,889,279 | $4,333,152 | $5,986,140 | $6,422,894 |
| FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest | $32,222 | $38,744 | $87,411 | $82,088 |
| FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss | $3,857,057 | $4,294,408 | $5,898,729 | $6,340,806 |
| Interest Receivable | $17,284 | $19,685 | $25,390 | $28,898 |
| Property, Plant and Equipment, Net | $35,531 | $34,654 | $46,209 | $49,298 |
| Bank Owned Life Insurance | $50,516 | $102,785 | $104,335 | $97,370 |
| Prepaid Expense and Other Assets | $53,109 | $59,482 | $68,079 | $69,228 |
| Goodwill | — | — | $18,512 | $18,512 |
| Finite-Lived Intangible Assets, Net | — | — | $19,303 | $17,519 |
| Deferred Income Tax Assets, Net | $19,126 | $30,299 | $48,831 | $50,499 |
| Advance Payments by Borrowers for Taxes and Insurance | $4,229 | $4,549 | $5,193 | $4,420 |
| Advances from Federal Home Loan Banks | $283,338 | $120,835 | $196,235 | $181,247 |
| Accrued Liabilities and Other Liabilities | $81,325 | $65,708 | $70,716 | $77,549 |
| Liabilities | $3,775,453 | $4,392,570 | $6,147,198 | $6,604,878 |
| Common Stock, Value, Issued | $427 | $427 | $458 | $438 |
| Additional Paid in Capital | $417,030 | $417,247 | $458,864 | $415,841 |
| Unearned ESOP Shares | $13,774 | $44,813 | $42,454 | $41,285 |
| Retained Earnings (Accumulated Deficit) | $366,173 | $400,473 | $445,200 | $474,970 |
| Accumulated Other Comprehensive Income (Loss), Net of Tax | $-11,897 | $-8,167 | $-3,136 | $-7,962 |
| Stockholders' Equity Attributable to Parent | $757,959 | $765,167 | $858,932 | $842,002 |
| Interest-bearing Domestic Deposit, Brokered | $183,600 | $309,806 | $535,681 | $719,852 |
| Deposits | $3,387,348 | $4,177,652 | $5,853,534 | $6,320,090 |
| Preferred Stock, Shares Authorized | 5,000,000 | 5,000,000 | 5,000,000 | 5,000,000 |
| Preferred Stock, Shares Issued | 0 | 0 | 0 | 0 |
| Common Stock, Shares Authorized | 120,000,000 | 120,000,000 | 120,000,000 | 120,000,000 |
| Common Stock, Shares, Issued | 42,705,729 | 42,705,729 | 45,770,128 | 43,818,490 |
| (in thousands, except per share data) | FY 2023 | FY 2024 | FY 2025 | TTM |
|---|---|---|---|---|
| Net Cash Provided by (Used in) Financing Activities | $894,709 | $594,520 | $501,999 | $862,800 |
| Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents, Period Increase (Decrease), Excluding Exchange Rate Effect | $116,046 | $91,264 | $43,741 | $141,197 |
| Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents | $272,591 | $363,855 | $407,596 | $469,507 |
| Net Income (Loss), Including Portion Attributable to Noncontrolling Interest | $9,825 | $42,149 | $50,302 | $59,175 |
| Net Cash Provided by (Used in) Operating Activities | $52,959 | $43,188 | $60,792 | $85,315 |
| Payments to Acquire Debt Securities, Available-for-sale | $43,590 | $142,985 | $101,500 | $138,082 |
| Proceeds from Sale of Debt Securities, Available-for-sale | $0 | $27,444 | $23,963 | $23,963 |
| Proceeds from Maturities, Prepayments and Calls of Debt Securities, Available-for-sale | $103,585 | $80,120 | $67,475 | $102,957 |
| Proceeds, Financing Receivable, Previously Written Off, Recovery | — | $623 | $2,264 | $2,134 |
| Payments to Acquire Businesses, Net of Cash Acquired | — | — | $48,120 | $48,120 |
| Proceeds from Life Insurance Policy | — | — | $128 | $128 |
| Payments to Acquire Property, Plant, and Equipment | $2,865 | $1,938 | $3,417 | $7,282 |
| Net Cash Provided by (Used in) Investing Activities | $-831,622 | $-546,444 | $-519,050 | $-806,918 |
| Increase (Decrease) in Deposits | $500,605 | $790,325 | $540,120 | $916,018 |
| Increase (Decrease) in Advance Payments by Borrowers for Taxes and Insurance | $165 | $320 | $4 | $-337 |
| Origination of Loans to Employee Stock Ownership Plans | — | $33,397 | $33,397 | $33,397 |
| Payments for Repurchase of Common Stock | — | — | $77,125 | $63,791 |
| Payments of Ordinary Dividends, Common Stock | — | — | $5,575 | $5,575 |
| Increase (Decrease) in Loans from Federal Home Loan Banks | $-9,744 | $-162,503 | $44,575 | $22,822 |
| Interest Paid, Excluding Capitalized Interest, Operating Activities | $88,746 | $128,348 | $143,283 | $157,197 |
| Income Taxes Paid, Net | $4,791 | $13,092 | — | $6,515 |
| Lease Obligation Incurred | — | — | $2,732 | $2,732 |
| Debt Securities, Available-for-sale, Unrealized Gain (Loss) | $731 | $4,850 | $6,355 | $1,798 |
| Gain (Loss) from Components Excluded from Assessment of Cash Flow Hedge Effectiveness, Net | — | — | $1,284 | $1,284 |
| Noncash or Part Noncash Acquisition, Value of Assets Acquired | — | — | $1,320,001 | $1,320,001 |
| Noncash or Part Noncash Acquisition, Value of Liabilities Assumed | — | — | $1,175,739 | $1,175,739 |
| Stock Issued | — | — | $114,654 | $114,654 |
| Accretion (Amortization) of Discounts and Premiums, Investments | $240 | $336 | $291 | $226 |
| Amortization of Intangible Assets | $149 | $149 | $576 | $2,286 |
| Provision for Loan, Lease, and Other Losses | $13,885 | $12,123 | $4,653 | $9,855 |
| Amortization of Deferred Loan Origination Fees, Net | $-4,419 | $-1,386 | $-1,337 | $-3,993 |
| Payments for Origination of Mortgage Loans Held-for-sale | $2,400 | $14,137 | $6,525 | $6,525 |
| Proceeds from Sale of Mortgage Loans Held-for-sale | $2,405 | $23,934 | $8,860 | $8,860 |
| Gain (Loss) on Sale of Mortgage Loans | $5 | $293 | $165 | $165 |
| Other Depreciation and Amortization | $2,678 | $2,815 | $3,022 | $3,433 |
| Life Insurance, Corporate or Bank Owned, Change in Value | $1,510 | $2,269 | $3,268 | $3,290 |
| Deferred Income Tax Expense (Benefit) | $-7,720 | $-10,255 | $3,330 | $3,326 |
| Employee Stock Ownership Plan (ESOP), Compensation Expense | — | $2,800 | $3,568 | $3,826 |
| Share-based Payment Arrangement, Noncash Expense | — | — | $2,910 | $2,910 |
| Increase (Decrease) in Accrued Interest Receivable, Net | $6,447 | $2,401 | $1,144 | $3,951 |
| Increase (Decrease) in Prepaid Expense and Other Assets | $-3,909 | $6,543 | $-5,123 | $-4,357 |
| Increase (Decrease) in Accrued Liabilities and Other Operating Liabilities | $22,591 | $-12,527 | $-8,874 | $-11,873 |