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NIC • CIK 0001174850
| (in thousands, except per share data) | FY 2023 | FY 2024 | FY 2025 | TTM |
|---|---|---|---|---|
| Interest Income (Expense), Net | $241,516 | $268,065 | $306,473 | $411,188 |
| Interest Income (Expense), after Provision for Loan Loss | $236,526 | $264,215 | $302,223 | $401,938 |
| Income (Loss) from Continuing Operations before Income Taxes, Noncontrolling Interest | $86,632 | $155,129 | $186,957 | $193,536 |
| Income Tax Expense (Benefit) | $25,116 | $31,070 | $36,271 | $39,380 |
| Net Income (Loss) Attributable to Parent | $61,516 | $124,059 | $150,686 | $154,156 |
| Weighted Average Number of Shares Outstanding, Basic | 14,742,675 | 15,049,225 | 14,979,671 | 19,565,453 |
| Weighted Average Number of Shares Outstanding, Diluted | 15,070,579 | 15,415,822 | 15,403,934 | 20,111,874 |
| Interest and Fee Income, Loans and Leases | $341,155 | $393,052 | $421,151 | $528,998 |
| Interest and Dividend Income, Operating | $382,862 | $438,365 | $470,950 | $599,687 |
| Interest Expense, Deposits | $125,824 | $161,574 | $156,871 | $180,911 |
| Interest Expense, Short-term Borrowings | $4,794 | $2 | $1 | $1 |
| Interest Expense, Long-term Debt | $10,728 | $8,724 | $7,605 | $7,587 |
| InterestExpenseOperating | — | $170,300 | $164,477 | $188,499 |
| Fees and Commissions, Mortgage Banking and Servicing | $7,164 | $10,177 | $12,054 | $14,384 |
| Bank Owned Life Insurance Income | $4,524 | $5,448 | $6,360 | $7,698 |
| Gain (Loss) on Disposition of Assets for Financial Service Operations | $-32,808 | $4,212 | $1,163 | $3,213 |
| Noninterest Income, Other | $8,016 | $8,530 | $7,578 | $9,475 |
| Noninterest Income | $35,972 | $82,267 | $85,567 | $108,284 |
| Interest Income, Securities, Operating, Taxable | $18,182 | $20,193 | $24,082 | $43,755 |
| Interest Income, Securities, Operating, Tax Exempt | $6,031 | $4,558 | $4,036 | $5,020 |
| Other Interest and Dividend Income | $17,494 | $20,562 | $21,681 | $21,914 |
| Labor and Related Expense | $99,109 | $108,414 | $115,305 | $148,441 |
| Business Development | $7,790 | $8,330 | $8,009 | $9,837 |
| Information Technology and Data Processing | $19,892 | $17,754 | $18,569 | $23,305 |
| Amortization of Intangible Assets | $8,072 | $6,876 | $5,740 | $12,959 |
| Federal Deposit Insurance Corporation Premium Expense | $3,999 | $4,003 | $4,007 | $5,114 |
| Business Combination, Acquisition Related Costs | $189 | $0 | $1,956 | $50,045 |
| Other Noninterest Expense | $10,593 | $10,840 | $10,616 | $20,015 |
| Noninterest Expense | $185,866 | $191,353 | $200,833 | $316,686 |
| Interest Expense | $141,346 | — | — | $151,915 |
| Net Income (Loss), Including Portion Attributable to Noncontrolling Interest | $61,516 | $124,059 | — | $124,059 |
| (in thousands, except per share data) | FY 2023 | FY 2024 | FY 2025 | TTM |
|---|---|---|---|---|
| Cash and Due from Banks | $129,898 | $115,943 | $107,956 | $153,492 |
| Interest-bearing Deposits in Banks and Other Financial Institutions | $361,533 | $420,104 | $552,276 | $311,756 |
| Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents | $491,431 | $536,047 | $660,232 | $465,248 |
| DebtSecuritiesAvailableForSaleExcludingAccruedInterest | $802,573 | $806,415 | $859,834 | $2,006,963 |
| Other Investments | $57,560 | $61,145 | $63,247 | $116,575 |
| Financing Receivable, Held-for-Sale, Not Part of Disposal Group, after Valuation Allowance | $4,160 | $7,637 | $13,620 | $19,388 |
| FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss | $6,353,942 | $6,626,584 | $6,836,345 | $10,848,164 |
| FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest | $63,610 | $66,322 | $68,806 | $133,584 |
| FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss | $6,290,332 | $6,560,262 | $6,767,539 | $10,714,580 |
| Property, Plant and Equipment, Net | $118,756 | $126,979 | $120,462 | $189,197 |
| Bank Owned Life Insurance | $169,392 | $186,448 | $192,498 | $296,095 |
| Intangible Assets, Net (Including Goodwill) | $394,366 | $388,140 | $382,400 | $961,687 |
| Interest Receivable and Other Assets | $133,734 | $122,742 | $125,275 | $233,538 |
| Assets | $8,468,678 | $8,796,795 | $9,185,107 | $15,414,619 |
| Preferred Stock, Shares Authorized | 10,000,000 | 10,000,000 | 10,000,000 | 10,000,000 |
| Preferred Stock, Shares Outstanding | 0 | 0 | 0 | 0 |
| Common Stock, Shares Authorized | 30,000,000 | 30,000,000 | 30,000,000 | 60,000,000 |
| Common Stock, Shares, Outstanding | 14,894,209 | 15,356,785 | 14,811,445 | 21,060,762 |
| Common Stock, Shares, Issued | 14,951,367 | 15,450,298 | 14,930,213 | 21,228,645 |
| Noninterest-bearing Deposit Liabilities | $1,958,709 | $1,791,228 | $1,828,928 | $2,717,610 |
| Interest-bearing Deposit Liabilities | $5,239,091 | $5,612,456 | $5,901,843 | $9,805,726 |
| Deposits | $7,197,800 | $7,403,684 | $7,730,771 | $12,523,336 |
| Long-term Debt | $166,930 | $161,387 | $134,860 | $92,750 |
| Other Liabilities | $64,941 | $58,826 | $61,814 | $138,999 |
| Liabilities | $7,429,671 | $7,623,897 | $7,927,445 | $13,143,145 |
| Common Stock, Value, Outstanding | $149 | $154 | $148 | $211 |
| Additional Paid in Capital | $633,770 | $655,540 | $583,257 | $1,552,947 |
| Retained Earnings (Accumulated Deficit) | $458,261 | $565,772 | $697,799 | $755,311 |
| Accumulated Other Comprehensive Income (Loss), Net of Tax | $-53,173 | $-48,568 | $-23,542 | $-36,995 |
| Stockholders' Equity Attributable to Parent | $1,039,007 | $1,172,898 | $1,257,662 | $2,271,474 |
| (in thousands, except per share data) | FY 2023 | FY 2024 | FY 2025 | TTM |
|---|---|---|---|---|
| Net Income (Loss) Attributable to Parent | $61,516 | $124,059 | $150,686 | $154,156 |
| Net Cash Provided by (Used in) Operating Activities | $107,974 | $133,749 | $153,535 | $182,528 |
| Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents, Period Increase (Decrease), Including Exchange Rate Effect | $336,708 | $44,616 | $124,185 | $42,610 |
| Depreciation, Amortization and Accretion, Net | $18,403 | $16,952 | $14,988 | $10,806 |
| Payments to Acquire Debt Securities, Available-for-sale | $59,734 | $110,336 | $140,392 | $543,671 |
| Provision for Loan, Lease, and Other Losses | — | $3,850 | $4,250 | $4,250 |
| Proceeds from Sale of Debt Securities, Available-for-sale | $65,749 | $4,987 | $10,950 | $291,919 |
| Deferred Income Tax Expense (Benefit) | $3,027 | $7,382 | $-4,641 | $-4,641 |
| Proceeds from Sale of Held-to-maturity Securities | $460,051 | $0 | $0 | $0 |
| Life Insurance, Corporate or Bank Owned, Change in Value | $4,411 | $5,448 | $6,014 | $7,361 |
| Proceeds from Maturities, Prepayments and Calls of Debt Securities, Available-for-sale | $285,407 | $105,831 | $107,163 | $209,201 |
| Share-based Payment Arrangement, Noncash Expense | $6,438 | $6,635 | $7,340 | $14,082 |
| Proceeds from Maturities, Prepayments and Calls of Held-to-maturity Securities | $2,915 | $0 | $0 | $0 |
| Gain (Loss) on Disposition of Assets for Financial Service Operations | $-32,808 | $4,212 | $1,163 | $3,213 |
| Payments for (Proceeds from) Loans and Leases | $168,801 | $267,748 | $206,713 | $11,854 |
| Gain (Loss) on Sale of Financing Receivable | $4,546 | $8,030 | $10,526 | $12,701 |
| Payments to Acquire Other Investments | $13,465 | $1,316 | $4,925 | $42,962 |
| Proceeds from Sale of Loans Held-for-sale | $147,906 | $253,121 | $304,395 | $398,632 |
| Proceeds from Sale of Other Investments | $18,941 | $2,734 | $4,530 | $5,299 |
| Payments for Origination of Mortgage Loans Held-for-sale | $147,578 | $251,318 | $303,623 | $399,011 |
| Payments to Acquire Property, Plant, and Equipment | — | — | $4,092 | $4,092 |
| Proceeds from Sale of Property, Plant, and Equipment | — | — | $2,324 | $2,324 |
| Payment to Acquire Life Insurance Policy, Investing Activities | — | $11,500 | $0 | $0 |
| Proceeds from Life Insurance Policy | $306 | $0 | $0 | $0 |
| Net Cash Provided by (Used in) Investing Activities | $591,462 | $-288,437 | $-230,749 | $70,731 |
| Increase (Decrease) in Deposits | $19,045 | $205,884 | $327,087 | $47,532 |
| Proceeds from (Repayments of) Short-term Debt | $-317,000 | $0 | $0 | $0 |
| Repayments of Long-term Debt | $59,000 | $5,172 | $27,400 | $141,106 |
| Payments for Repurchase of Common Stock | $1,521 | $10,137 | $76,561 | $83,168 |
| Payments of Ordinary Dividends, Common Stock | $11,119 | $16,548 | $18,659 | $24,088 |
| Proceeds from Issuance of Common Stock | $6,867 | $585 | $101 | $105 |
| Proceeds from Stock Options Exercised | — | $24,692 | $9,560 | $9,560 |
| Net Cash Provided by (Used in) Financing Activities | $-362,728 | $199,304 | $201,399 | $-210,649 |
| Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents | $491,431 | $536,047 | $660,232 | $703,503 |
| Interest Paid, Excluding Capitalized Interest, Operating Activities | $138,012 | $170,291 | $163,579 | $190,675 |
| Income Taxes Paid | $23,015 | $25,323 | $39,161 | $39,986 |
| Real Estate Owned, Transfer to Real Estate Owned | $985 | $125 | $395 | $760 |
| Servicing Asset at Fair Value, Additions | $1,540 | $2,750 | $3,771 | $5,009 |
| Net Income (Loss), Including Portion Attributable to Noncontrolling Interest | $61,516 | $124,059 | — | $124,059 |