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	Jun '26 Jun 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	189.92	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	232.86	220.76	197.62	169.94	140.96	123.04
Interest Paid on Deposits	51.02	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	56.52	61.81	72.13	51.84	11.18	5.12
Net Interest Income	176.34	158.96	125.49	118.1	129.78	117.92
Net Interest Income Growth	26.08%	26.67%	6.26%	-9.00%	10.06%	7.27%
Gain (Loss) on Sale of Investments	21.08	7.68	148.01	139.55	-16.06	55.26
Other Non-Interest Income	28.86	23.28	22.33	19.36	17.88	17.79
Total Non-Interest Income	58.73	39.75	178.96	167.31	11.42	84.85
Non-Interest Income Growth	-38.01%	-77.79%	6.97%	1365.56%	-86.55%	106.42%
Revenues Before Loan Losses	235.07	198.71	304.45	285.41	141.2	202.77
Provision for Loan Losses	3.63	2.13	0.79	-0.16	6.28	-0.82
Revenue	231.44	196.58	303.66	285.57	134.92	203.58
Revenue Growth	-1.09%	-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	15.49	11.54	8.99	10.56	9.3	6.94
Total Non-Interest Expense	113.7	109.76	103.61	100.61	95.48	88.43
EBT Excluding Unusual Items	117.74	86.82	200.05	184.96	39.44	115.15
Other Unusual Items	-	-	-	2.18	-	-
Pretax Income	117.74	86.82	200.05	187.14	39.44	115.15
Income Tax Expense	25.41	18.55	42.22	38.75	9.52	21.6
Net Income	92.33	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	92.08	68.02	157.57	148.13	29.65	93.28
Net Income Growth	-8.42%	-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	-2.57%	-1.13%	-1.72%	-1.08%	-1.63%	-0.87%
EPS (Basic)	1233.70	901.29	2064.11	1907.08	377.64	1168.54
EPS (Diluted)	1233.70	901.29	2064.11	1907.08	377.64	1168.54
EPS Growth	-6.01%	-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	Jun '26 Jun 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	12.500	25.000	25.000	25.000	25.000	20.000
Dividend Growth	-50.00%	0%	0%	0%	25.00%	33.33%
Effective Tax Rate	21.58%	21.36%	21.11%	20.71%	24.14%	18.76%