Financial Statements — SBCF
Balance Sheet
(in billions USD)| Metric | Q2
2026 | Q1
2026 | Q3
2025 | Q2
2025 | Q1
2025 | Q3
2024 | Q2
2024 | Q1
2024 | Q3
2023 | Q2
2023 | Q1
2023 | Q3
2022 | Q2
2022 | Q1
2022 | Q3
2021 | Q2
2021 | Q1
2021 |
|---|
| Cash & Equivalents | 0.43 | 0.81 | 0.31 | 0.33 | 0.50 | 0.64 | 0.75 | 0.68 | 0.70 | 0.73 | 0.79 | 0.22 | 0.90 | 1.22 | 1.23 | 1.45 | 0.98 |
| Net Loans & Leases | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | 5.57 |
| Total Assets | 21.36 | 21.15 | 16.68 | 15.94 | 15.73 | 15.17 | 14.95 | 14.83 | 14.82 | 15.04 | 15.26 | 10.35 | 10.81 | 10.90 | 9.89 | 9.32 | 8.81 |
| Total Deposits | 16.79 | 16.64 | 13.09 | 12.50 | 12.57 | 12.24 | 12.12 | 12.02 | 12.11 | 12.28 | 12.31 | 8.77 | 9.19 | 9.24 | 8.33 | 7.84 | 7.39 |
| Long-term Debt | 0.11 | 0.11 | 0.11 | 0.11 | 0.11 | 0.11 | 0.11 | 0.11 | -- | -- | -- | -- | -- | -- | -- | -- | -- |
| Total Liabilities | 18.29 | 18.08 | 14.30 | 13.67 | 13.50 | 12.97 | 12.82 | 12.71 | 12.77 | 12.99 | 13.20 | 9.06 | 9.48 | 9.55 | 8.60 | 8.13 | 7.66 |
| Retained Earnings | 0.65 | 0.61 | 0.59 | 0.57 | 0.54 | 0.51 | 0.49 | 0.48 | 0.45 | 0.44 | 0.42 | -- | -- | -- | -- | -- | -- |
| Total Stockholder Equity | 2.73 | 2.72 | 2.38 | 2.27 | 2.23 | 2.19 | 2.13 | 2.12 | 2.05 | 2.05 | 2.05 | 1.29 | 1.33 | 1.36 | 1.29 | 1.18 | 1.16 |
Income Statement
(in millions USD) (except per-share rows)| Metric | Q2
2026 | Q1
2026 | Q4
2025 | Q3
2025 | Q2
2025 | Q1
2025 | Q4
2024 | Q3
2024 | Q2
2024 | Q1
2024 | Q4
2023 | Q3
2023 | Q2
2023 | Q1
2023 | Q4
2022 | Q3
2022 | Q2
2022 | Q1
2022 | Q4
2021 | Q3
2021 |
|---|
| Interest & Dividend Income | 255.55 | 250.71 | 256.06 | 202.71 | 193.35 | 184.26 | 185.93 | 184.12 | 179.81 | 175.71 | 176.86 | 179.85 | 174.28 | 157.99 | 127.11 | 91.40 | 83.75 | 78.23 | 73.94 | 73.21 |
| Interest Expense | -- | -- | -- | -- | -- | -- | -- | -- | -- | 70.63 | 66.04 | 60.54 | 47.32 | 26.84 | 7.40 | 3.12 | 2.10 | 1.71 | 1.65 | 1.89 |
| Net Interest Income | 180.40 | 176.47 | 174.63 | 133.47 | 126.86 | 118.52 | 115.80 | 106.67 | 104.42 | 105.08 | 110.82 | 119.31 | 126.96 | 131.15 | 119.71 | 88.28 | 81.65 | 76.52 | 72.29 | 71.32 |
| Provision for Credit Losses | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | 6.56 | (3.94) | 5.09 |
| Non-interest Income | 27.78 | (12.61) | 28.63 | 23.82 | 24.52 | 22.18 | 17.07 | 23.68 | 22.18 | 20.50 | 17.34 | 17.79 | 21.58 | 22.45 | 17.65 | 16.10 | 16.96 | 15.37 | 18.71 | 19.03 |
| Non-interest Expense | 123.11 | 122.17 | 130.55 | 101.99 | 91.73 | 90.60 | 85.58 | 84.82 | 82.54 | 90.37 | 86.37 | 93.92 | 107.87 | 107.48 | 91.51 | 61.36 | 56.15 | 58.92 | 50.26 | 55.27 |
| Pretax Income | 76.07 | 40.92 | 43.45 | 46.93 | 55.28 | 40.85 | 43.60 | 39.25 | 39.15 | 33.84 | 37.80 | 40.49 | 41.44 | 14.52 | -- | 38.35 | 41.64 | 26.42 | -- | 29.99 |
| Tax Provision | 16.53 | 9.03 | 9.19 | 10.46 | 12.59 | 9.39 | 9.51 | 8.60 | 8.91 | 7.83 | 8.26 | 9.08 | 10.19 | 2.70 | 7.79 | 9.12 | 8.89 | 5.83 | 8.34 | 7.05 |
| Net Income | 59.54 | 31.90 | 34.26 | 36.47 | 42.69 | 31.46 | 34.09 | 30.65 | 30.24 | 26.01 | 29.54 | 31.41 | 31.25 | 11.83 | 23.93 | 29.24 | 32.76 | 20.59 | 36.33 | 22.94 |
| Basic EPS | 0.55 | 0.30 | 0.30 | 0.42 | 0.50 | 0.37 | 0.40 | 0.36 | 0.36 | 0.31 | 0.35 | 0.37 | 0.37 | 0.15 | 0.32 | 0.48 | 0.53 | 0.34 | 0.62 | 0.40 |
| Diluted EPS | 0.55 | 0.29 | 0.28 | 0.42 | 0.50 | 0.37 | 0.39 | 0.36 | 0.36 | 0.31 | 0.34 | 0.37 | 0.37 | 0.15 | 0.33 | 0.47 | 0.53 | 0.33 | 0.62 | 0.40 |
Cash Flow Statement
(in millions USD)| Metric | Q2
2026 | Q1
2026 | Q4
2025 | Q3
2025 | Q2
2025 | Q1
2025 | Q4
2024 | Q3
2024 | Q2
2024 | Q1
2024 | Q4
2023 | Q3
2023 | Q2
2023 | Q1
2023 | Q4
2022 | Q3
2022 | Q2
2022 | Q1
2022 | Q4
2021 | Q3
2021 |
|---|
| Operating Cash Flow | 61.73 | 71.79 | 54.51 | 30.22 | 72.33 | 31.01 | 44.99 | 53.37 | 56.86 | 24.67 | 29.88 | 62.66 | 45.03 | 13.05 | 48.50 | 49.02 | 43.81 | 54.53 | 49.81 | 23.05 |
| Investing Cash Flow | (603.57) | 67.98 | 141.11 | 46.45 | (381.00) | (513.32) | (210.67) | (292.23) | (78.26) | (25.71) | 39.49 | 159.38 | 135.86 | 192.72 | 383.79 | (282.02) | (288.13) | (178.52) | (283.29) | (194.81) |
| Financing Cash Flow | 163.40 | 280.07 | (113.07) | (103.10) | 140.53 | 506.27 | 5.23 | 126.39 | 88.20 | 236.58 | (318.17) | (253.94) | (244.25) | 383.54 | (448.96) | (449.76) | (76.82) | 608.77 | (256.48) | (49.39) |
Dividends Per Share
(USD)| Metric | Q2
2026 | Q1
2026 | Q4
2025 | Q3
2025 | Q2
2025 | Q1
2025 | Q4
2024 | Q3
2024 | Q2
2024 | Q1
2024 | Q4
2023 | Q3
2023 | Q2
2023 | Q1
2023 | Q4
2022 | Q3
2022 | Q2
2022 | Q1
2022 | Q4
2021 | Q3
2021 |
|---|
| Dividends Per Share | 0.19 | 0.19 | 0.19 | 0.18 | 0.18 | 0.18 | 0.18 | 0.18 | 0.18 | 0.18 | 0.18 | 0.18 | 0.18 | 0.17 | 0.17 | 0.17 | 0.17 | 0.13 | 0.26 | 0.13 |
