SBCF 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	657.04	597.37	581.11	315.72	251.47
Interest Income on Investments	179.34	128.19	107.87	64.78	32.77
Total Interest Income	836.37	725.56	688.98	380.49	284.24
Interest Paid on Deposits	244.73	268.99	178.79	9.96	6.39
Interest Paid on Borrowings	38.17	24.6	21.95	4.37	1.83
Total Interest Expense	282.9	293.59	200.74	14.33	8.22
Net Interest Income	553.48	431.97	488.24	366.16	276.03
Net Interest Income Growth (YoY)	28.13%	-11.53%	33.34%	32.66%	5.05%
Trust Income	18.56	15.17	12.78	11.05	9.63
Mortgage Banking Activities	4.71	1.77	1.79	3.48	11.78
Gain (Loss) on Sale of Investments	-0.52	-8.02	-2.89	-1.1	-0.58
Other Non-Interest Income	50.01	53.65	49.2	38.95	40.12
Total Non-Interest Income	96.15	83.43	79.15	66.09	70.73
Non-Interest Income Growth (YoY)	15.25%	5.40%	19.76%	-6.55%	14.87%
Revenues Before Loan Losses	649.63	515.4	567.39	432.25	346.75
Provision for Loan Losses	51.26	16.26	37.52	26.18	-9.42
Revenue	598.37	499.14	529.87	406.07	356.17
Revenue Growth (YoY)	19.88%	-5.80%	30.49%	14.01%	24.48%
Salaries and Employee Benefits	204.04	176.83	188.3	137.97	106.47
Federal Deposit Insurance	9.59	8.45	8.63	3.14	2.41
Amortization of Goodwill & Intangibles	26.82	23.88	28.73	9.1	5.03
Selling, General & Administrative	114.53	108.38	108.86	94.41	67.32
Other Non-Interest Expense	24.58	25.32	26.94	24.85	16.47
Total Non-Interest Expense	379.44	343.3	362.44	267.93	197.44
EBT Excluding Unusual Items	218.93	155.84	167.43	138.14	158.74
Pretax Income	186.51	155.84	134.25	138.14	158.74
Income Tax Expense	41.63	34.85	30.22	31.63	34.34
Net Income	144.88	120.99	104.03	106.51	124.4
Preferred Dividends & Other Adjustments	4.57	-	-	-	-
Net Income to Common	140.31	120.99	104.03	106.51	124.4
Net Income Growth	19.75%	16.30%	-2.32%	-14.39%	59.98%
Basic Shares Outstanding	88	84	84	64	57
Diluted Shares Outstanding	89	85	84	64	57
Shares Change (YoY)	4.78%	0.84%	31.22%	12.57%	5.86%
EPS (Basic)	1.59	1.43	1.24	1.67	2.20
EPS (Diluted)	1.57	1.42	1.23	1.66	2.18
EPS Growth	10.90%	15.45%	-25.90%	-23.85%	51.39%
Dividend Per Share	0.730	0.720	0.710	0.640	0.390
Dividend Growth	1.39%	1.41%	10.94%	64.10%	-
Effective Tax Rate	22.32%	22.36%	22.51%	22.90%	21.63%

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

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