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| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Loans and leases | $9.10B-4.5% | $9.53B+16.4% | $8.19B | — | — |
| Investment securities | $1.69B+25.5% | $1.35B+107.9% | $648.0M | — | — |
| Deposits at banks | $992.0M-32.9% | $1.48B-5.0% | $1.56B | — | — |
| Total interest income | $11.78B-4.7% | $12.35B+18.9% | $10.39B+204.5% | $3.41B+135.2% | $1.45B |
| Deposits | $3.56B-7.9% | $3.86B+54.7% | $2.50B+645.4% | $335.0M+915.2% | $33.0M |
| Borrowings | $1.41B+4.4% | $1.35B+13.9% | $1.18B+795.5% | $132.0M+371.4% | $28.0M |
| Total interest expense | $4.96B-4.7% | $5.21B+41.6% | $3.68B+687.8% | $467.0M+665.6% | $61.0M |
| Net interest income | $6.81B-4.6% | $7.14B+6.4% | $6.71B+127.8% | $2.95B+111.9% | $1.39B |
| Provision for credit losses | $514.0M+19.3% | $431.0M-68.7% | $1.38B+113.2% | $645.0M | — |
| Net interest income after provision for credit losses | $6.30B-6.1% | $6.71B+25.8% | $5.34B | — | $1.43B |
| Noninterest income | $53.0M-3.6% | $55.0M+1.9% | $54.0M+14.9% | $47.0M+193.8% | $16.0M |
| Rental income on operating lease equipment | $1.10B+4.6% | $1.05B+7.9% | $971.0M+12.4% | $864.0M | $0 |
| Realized gain (loss) on sale of investment securities, net | $3.0M-50.0% | $6.0M+123.1% | -$26.0M | $0 | — |
| Fair value adjustment on marketable equity securities, net | $22.0M+69.2% | $13.0M+218.2% | -$11.0M-266.7% | -$3.0M-108.8% | $34.0M |
| Gain on sale of leasing equipment, net | $30.0M+0.0% | $30.0M+50.0% | $20.0M+33.3% | $15.0M | $0 |
| Gain on acquisition | $0 | $0-100.0% | $9.81B+2175.6% | $431.0M | $0 |
| Loss on extinguishment of debt | -$9.0M-350.0% | -$2.0M | $0 | — | — |
| Other noninterest income | $160.0M+8.1% | $148.0M+8.8% | $136.0M-2.2% | $139.0M+286.1% | $36.0M |
| Total noninterest income | $2.73B+4.3% | $2.62B-78.3% | $12.07B+465.3% | $2.14B+320.5% | $508.0M |
| Depreciation on operating lease equipment | $398.0M+1.0% | $394.0M+6.2% | $371.0M+7.5% | $345.0M | $0 |
| Maintenance and other operating lease expenses | $244.0M+11.4% | $219.0M-1.4% | $222.0M+17.5% | $189.0M | $0 |
| Personnel cost | $3.29B+7.0% | $3.08B+16.8% | $2.64B+87.2% | $1.41B | — |
| Net occupancy expense | $238.0M-1.7% | $242.0M-0.8% | $244.0M+27.7% | $191.0M+63.2% | $117.0M |
| Equipment expense | $555.0M+10.1% | $504.0M+19.4% | $422.0M+95.4% | $216.0M+81.5% | $119.0M |
| Professional fees | $115.0M-5.0% | $121.0M+70.4% | $71.0M+57.8% | $45.0M+125.0% | $20.0M |
| Third-party processing fees | $268.0M+16.5% | $230.0M+12.2% | $205.0M+99.0% | $103.0M+71.7% | $60.0M |
| FDIC insurance expense | $141.0M+2.2% | $138.0M-12.7% | $158.0M+409.7% | $31.0M+121.4% | $14.0M |
| Marketing expense | $142.0M+86.8% | $76.0M-25.5% | $102.0M+92.5% | $53.0M+430.0% | $10.0M |
| Acquisition-related expenses | $141.0M-32.9% | $210.0M-55.3% | $470.0M+103.5% | $231.0M+696.6% | $29.0M |
| Intangible asset amortization | $54.0M-14.3% | $63.0M+10.5% | $57.0M+147.8% | $23.0M+91.7% | $12.0M |
| Other noninterest expense | $466.0M+1.3% | $460.0M+22.0% | $377.0M+57.1% | $240.0M+155.3% | $94.0M |
| Total noninterest expense | $6.06B+5.6% | $5.74B+7.5% | $5.33B+73.5% | $3.08B+149.2% | $1.23B |
| Income before income taxes | $2.97B-17.3% | $3.59B-70.3% | $12.08B+786.7% | $1.36B+94.3% | $701.0M |
| Income tax expense | $765.0M-6.1% | $815.0M+33.4% | $611.0M+131.4% | $264.0M+71.4% | $154.0M |
| Net income | $2.21B-20.6% | $2.78B-75.8% | $11.47B+944.3% | $1.10B+100.7% | $547.0M |
| Preferred stock dividends | $57.0M-6.6% | $61.0M+3.4% | $59.0M+18.0% | $50.0M+177.8% | $18.0M |
| Net income available to common stockholders, basic | $2.15B-20.9% | $2.72B-76.2% | $11.41B+988.5% | $1.05B+98.1% | $529.0M |
| Net income available to common shareholders, diluted | $2.15B-20.9% | $2.72B-76.2% | $11.41B+988.5% | $1.05B+98.1% | $529.0M |
| Basic (in dollars per share) | $165.2M-12.8% | $189.4M-75.9% | $785.1M+1063.7% | $67.5M+25.2% | $53.9M |
| Diluted (in dollars per share) | $165.2M-12.8% | $189.4M-75.9% | $784.5M+1064.0% | $67.4M+25.1% | $53.9M |
| Basic (in shares) | $13.00T-9.3% | $14.34T-1.3% | $14.53T-6.5% | $15.53T+58.2% | $9.82T |
| Diluted (in shares) | $13.00T-9.3% | $14.34T-1.4% | $14.54T-6.5% | $15.55T+58.4% | $9.82T |
| Lending-related fees | |||||
| Noninterest income | $53.0M-3.6% | $55.0M+1.9% | $54.0M+14.9% | $47.0M+193.8% | $16.0M |
| Noninterest income | $53.0M-3.6% | $55.0M+1.9% | $54.0M+14.9% | $47.0M+193.8% | $16.0M |
| Deposit fees and service charges | |||||
| Noninterest income | $53.0M-3.6% | $55.0M+1.9% | $54.0M+14.9% | $47.0M+193.8% | $16.0M |
| Noninterest income | $53.0M-3.6% | $55.0M+1.9% | $54.0M+14.9% | $47.0M+193.8% | $16.0M |
| Client investment fees | |||||
| Noninterest income | $53.0M-3.6% | $55.0M+1.9% | $54.0M+14.9% | $47.0M+193.8% | $16.0M |
| Noninterest income | $53.0M-3.6% | $55.0M+1.9% | $54.0M+14.9% | $47.0M+193.8% | $16.0M |
| Wealth management services | |||||
| Noninterest income | $53.0M-3.6% | $55.0M+1.9% | $54.0M+14.9% | $47.0M+193.8% | $16.0M |
| Noninterest income | $53.0M-3.6% | $55.0M+1.9% | $54.0M+14.9% | $47.0M+193.8% | $16.0M |
| International fees | |||||
| Noninterest income | $53.0M-3.6% | $55.0M+1.9% | $54.0M+14.9% | $47.0M+193.8% | $16.0M |
| Noninterest income | $53.0M-3.6% | $55.0M+1.9% | $54.0M+14.9% | $47.0M+193.8% | $16.0M |
| Factoring commissions | |||||
| Noninterest income | $53.0M-3.6% | $55.0M+1.9% | $54.0M+14.9% | $47.0M+193.8% | $16.0M |
| Noninterest income | $53.0M-3.6% | $55.0M+1.9% | $54.0M+14.9% | $47.0M+193.8% | $16.0M |
| Cardholder services, net | |||||
| Noninterest income | $53.0M-3.6% | $55.0M+1.9% | $54.0M+14.9% | $47.0M+193.8% | $16.0M |
| Noninterest income | $53.0M-3.6% | $55.0M+1.9% | $54.0M+14.9% | $47.0M+193.8% | $16.0M |
| Merchant services, net | |||||
| Noninterest income | $53.0M-3.6% | $55.0M+1.9% | $54.0M+14.9% | $47.0M+193.8% | $16.0M |
| Noninterest income | $53.0M-3.6% | $55.0M+1.9% | $54.0M+14.9% | $47.0M+193.8% | $16.0M |
| Insurance commissions | |||||
| Noninterest income | $53.0M-3.6% | $55.0M+1.9% | $54.0M+14.9% | $47.0M+193.8% | $16.0M |
| Noninterest income | $53.0M-3.6% | $55.0M+1.9% | $54.0M+14.9% | $47.0M+193.8% | $16.0M |
Source: SEC EDGAR XBRL. % change vs prior period shown where available.
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