SBNC Income Statement

Financials in millions USD. Fiscal year is January - December.

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Interest Income on Loans	177.83	158.68	134.55	106.54	100.65
Interest Income on Investments	42.94	38.94	35.39	34.43	22.39
Total Interest Income	220.76	197.62	169.94	140.96	123.04
Interest Paid on Deposits	56.31	59.17	38.95	6.56	2.26
Interest Paid on Borrowings	5.5	12.96	12.9	4.62	2.86
Total Interest Expense	61.81	72.13	51.84	11.18	5.12
Net Interest Income	158.96	125.49	118.1	129.78	117.92
Net Interest Income Growth (YoY)	26.67%	6.26%	-9.00%	10.06%	7.27%
Gain (Loss) on Sale of Investments	7.68	148.01	139.55	-16.06	55.26
Other Non-Interest Income	23.28	22.33	19.36	17.88	17.79
Total Non-Interest Income	39.75	178.96	167.31	11.42	84.85
Non-Interest Income Growth (YoY)	-77.79%	6.97%	1365.56%	-86.55%	106.42%
Revenues Before Loan Losses	198.71	304.45	285.41	141.2	202.77
Provision for Loan Losses	2.13	0.79	-0.16	6.28	-0.82
Revenue	196.58	303.66	285.57	134.92	203.58
Revenue Growth (YoY)	-35.26%	6.33%	111.66%	-33.73%	43.45%
Salaries and Employee Benefits	67.99	62.65	60.2	57.84	54.33
Occupancy Expenses	6.33	6.28	6.38	6.42	6.33
Federal Deposit Insurance	2.52	2.44	2.38	1.42	1.23
Amortization of Goodwill & Intangibles	1.08	1.05	1.2	1.11	1.67
Selling, General & Administrative	20.3	22.21	19.89	19.39	17.94
Other Non-Interest Expense	11.54	8.99	10.56	9.3	6.94
Total Non-Interest Expense	109.76	103.61	100.61	95.48	88.43
EBT Excluding Unusual Items	86.82	200.05	184.96	39.44	115.15
Other Unusual Items	-	-	2.18	-	-
Pretax Income	86.82	200.05	187.14	39.44	115.15
Income Tax Expense	18.55	42.22	38.75	9.52	21.6
Net Income	68.28	157.82	148.39	29.92	93.55
Preferred Dividends & Other Adjustments	0.25	0.26	0.26	0.27	0.27
Net Income to Common	68.02	157.57	148.13	29.65	93.28
Net Income Growth	-56.74%	6.36%	395.97%	-68.02%	109.58%
Basic Shares Outstanding	0	0	0	0	0
Diluted Shares Outstanding	0	0	0	0	0
Shares Change (YoY)	-1.13%	-1.72%	-1.08%	-1.63%	-0.87%
EPS (Basic)	901.29	2064.11	1907.08	377.64	1168.54
EPS (Diluted)	901.29	2064.11	1907.08	377.64	1168.54
EPS Growth	-56.34%	8.23%	405.00%	-67.68%	113.51%
Dividend Per Share	25.000	25.000	25.000	25.000	20.000
Dividend Growth	-	-	-	25.00%	33.33%
Effective Tax Rate	21.36%	21.11%	20.71%	24.14%	18.76%

Updated Dec 31, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.