SBNC Income Statement

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

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '26 Sep 30, 2026	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	194.92	177.83	158.68	134.55	106.54	100.65
Interest Income on Investments	42.94	42.94	38.94	35.39	34.43	22.39
Total Interest Income	237.86	220.76	197.62	169.94	140.96	123.04
Interest Paid on Deposits	48.03	56.31	59.17	38.95	6.56	2.26
Interest Paid on Borrowings	5.5	5.5	12.96	12.9	4.62	2.86
Total Interest Expense	53.52	61.81	72.13	51.84	11.18	5.12
Net Interest Income	184.33	158.96	125.49	118.1	129.78	117.92
Net Interest Income Growth	23.54%	26.67%	6.26%	-9.00%	10.06%	7.27%
Gain (Loss) on Sale of Investments	52.18	7.68	148.01	139.55	-16.06	55.26
Other Non-Interest Income	28.29	23.28	22.33	19.36	17.88	17.79
Total Non-Interest Income	89.27	39.75	178.96	167.31	11.42	84.85
Non-Interest Income Growth	296.56%	-77.79%	6.97%	1365.56%	-86.55%	106.42%
Revenues Before Loan Losses	273.6	198.71	304.45	285.41	141.2	202.77
Provision for Loan Losses	4.13	2.13	0.79	-0.16	6.28	-0.82
Revenue	269.47	196.58	303.66	285.57	134.92	203.58
Revenue Growth	57.81%	-35.26%	6.33%	111.66%	-33.73%	43.45%
Salaries and Employee Benefits	67.99	67.99	62.65	60.2	57.84	54.33
Occupancy Expenses	6.33	6.33	6.28	6.38	6.42	6.33
Federal Deposit Insurance	2.52	2.52	2.44	2.38	1.42	1.23
Amortization of Goodwill & Intangibles	1.08	1.08	1.05	1.2	1.11	1.67
Selling, General & Administrative	20.3	20.3	22.21	19.89	19.39	17.94
Other Non-Interest Expense	18.36	11.54	8.99	10.56	9.3	6.94
Total Non-Interest Expense	116.57	109.76	103.61	100.61	95.48	88.43
EBT Excluding Unusual Items	152.9	86.82	200.05	184.96	39.44	115.15
Other Unusual Items	-	-	-	2.18	-	-
Pretax Income	152.9	86.82	200.05	187.14	39.44	115.15
Income Tax Expense	32.55	18.55	42.22	38.75	9.52	21.6
Net Income	120.35	68.28	157.82	148.39	29.92	93.55
Preferred Dividends & Other Adjustments	0.25	0.25	0.26	0.26	0.27	0.27
Net Income to Common	120.09	68.02	157.57	148.13	29.65	93.28
Net Income Growth	145.69%	-56.83%	6.37%	399.56%	-68.21%	111.66%
Basic Shares Outstanding	0	0	0	0	0	0
Diluted Shares Outstanding	0	0	0	0	0	0
Shares Change	3.98%	-1.13%	-1.72%	-1.08%	-1.63%	-0.87%
EPS (Basic)	1559.77	901.29	2064.11	1907.08	377.64	1168.54
EPS (Diluted)	1559.77	901.29	2064.11	1907.08	377.64	1168.54
EPS Growth	136.27%	-56.34%	8.23%	405.00%	-67.68%	113.51%

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '26 Sep 30, 2026	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
Dividend Per Share	6.250	25.000	25.000	25.000	25.000	20.000
Dividend Growth	-85.71%	0%	0%	0%	25.00%	33.33%
Effective Tax Rate	21.29%	21.36%	21.11%	20.71%	24.14%	18.76%