US Metro Bancorp, Inc. (USMT)

US Metro Bancorp Income Statement

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

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar 31, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Interest Income on Loans	89.95	87.97	72.26	59.13	42.27	30.67
Interest Income on Investments	-	-	8.59	7.19	3.01	0.73
Total Interest Income	89.95	87.97	80.85	66.31	45.28	31.4
Interest Paid on Deposits	42.73	42.92	44.21	30.77	5.81	2.49
Interest Paid on Borrowings	-	-	2.57	2.77	1.45	1.48
Total Interest Expense	42.73	42.92	46.78	33.54	7.26	3.97
Net Interest Income	47.22	45.05	34.07	32.77	38.02	27.43
Net Interest Income Growth (YoY)	24.09%	32.22%	3.96%	-13.80%	38.62%	33.38%
Other Non-Interest Income	20.33	16.71	6.62	6.08	4.54	3.37
Total Non-Interest Income	20.33	16.71	12.87	13.33	12.87	19.23
Non-Interest Income Growth (YoY)	58.31%	29.83%	-3.43%	3.56%	-33.07%	190.35%
Revenues Before Loan Losses	67.55	61.76	46.94	46.1	50.89	46.66
Provision for Loan Losses	5.2	3.9	1.6	0.5	1.3	3
Revenue	62.35	57.86	45.34	45.6	49.59	43.66
Revenue Growth (YoY)	27.26%	27.60%	-0.57%	-8.04%	13.59%	91.97%
Salaries and Employee Benefits	-	-	24.39	21.32	17.36	14.79
Occupancy Expenses	-	-	1.4	1.18	1.21	1.17
Selling, General & Administrative	-	-	2.59	2.72	2.15	1.29
Other Non-Interest Expense	43.52	40.47	6.71	5.69	5.52	4.78
Total Non-Interest Expense	43.52	40.47	35.08	30.9	26.24	22.02
EBT Excluding Unusual Items	18.83	17.39	10.26	14.7	23.34	21.63
Pretax Income	18.83	17.39	10.26	14.7	23.34	21.63
Income Tax Expense	5.49	5.1	3.19	4.13	6.5	5.93
Earnings From Continuing Operations	13.34	12.29	7.07	10.57	16.84	15.7
Minority Interest in Earnings	-	-	0.07	0.05	0.01	-
Net Income	13.34	12.29	7.14	10.62	16.85	15.7
Net Income to Common	13.34	12.29	7.14	10.62	16.85	15.7
Net Income Growth	39.69%	72.14%	-32.76%	-36.99%	7.27%	239.29%
Basic Shares Outstanding	20	20	17	16	16	16
Diluted Shares Outstanding	20	20	17	17	17	16
Shares Change (YoY)	5.42%	19.39%	0.08%	0.42%	0.56%	0.78%
EPS (Basic)	0.66	0.62	0.43	0.65	1.03	0.97
EPS (Diluted)	0.66	0.62	0.43	0.64	1.02	0.96
EPS Growth	32.51%	44.19%	-32.81%	-37.26%	6.25%	242.86%
Dividend Per Share	0.090	0.120	0.120	0.120	0.100	0.050
Dividend Growth	-	-	-	20.00%	100.00%	-
Effective Tax Rate	29.16%	29.33%	31.08%	28.10%	27.86%	27.40%

Source: S&P Global Market Intelligence. Banks template. Financial Sources.