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FY2025
12 months to Dec 31, 2025
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|---|---|
| Operating activities: | |
| Net (loss) / income | |
| Adjustments to reconcile net income to net cash provided by operating activities: | |
| Provision for credit losses | |
| Depreciation, amortization and accretion | |
| Net loss on sale of debt securities | |
| (Gain) / loss on disposal of premises and equipment | |
| Amortization of debt issuance costs | |
| (Increase) / decrease in deferred loan origination fees, net | |
| Earnings on bank-owned life insurance policies | |
| Repayment of operating lease liabilities | |
| Stock-based compensation expense | |
| Deferred income taxes | |
| Net (increase) / decrease in accrued interest receivable and other assets | |
| Net increase / (decrease) in accrued interest payable and other liabilities | |
| Net cash provided by operating activities | |
| Investing activities: | |
| Purchase of available-for-sale investment securities | |
| Proceeds from sales of available-for-sale investment securities | |
| Proceeds from paydowns/maturities of available-for-sale investment securities | |
| Net increase in loans | |
| Proceeds from surrendered bank-owned life insurance policies | |
| Purchase of premises and equipment | |
| Proceeds from sale of premises and equipment | |
| Net cash used in investing activities | |
| Financing activities: | |
| Net increase in deposits | |
| Restricted stock issued, net | |
| Proceeds from the issuance of common stock upon initial public offering, net of offering costs | |
| Net proceeds / (repayment) from overnight borrowings | |
| Net proceeds / (repayment) from Federal Reserve Bank borrowings | |
| Net proceeds / (repayment) from Federal Home Loan Bank borrowings | |
| Net cash provided by financing activities | |
| Net change in cash and cash equivalents | |
| Cash and cash equivalents at beginning of period | |
| Cash and cash equivalents at end of period | |
| Supplemental disclosure of cash flow information: | |
| Interest expense | |
| Income taxes, net of refunds | |
| Supplemental non-cash disclosures: | |
| Recording of right-of-use assets in exchange for lease liabilities | |
| Change in unrealized (gains) / losses on available-for-sale securities, net of tax |
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