Financial Statements — SFST
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 | 0.36 | 0.34 | 0.28 | 0.27 | 0.31 | 0.26 | 0.19 | 0.17 | 0.15 | 0.21 | 0.27 | 0.16 | 0.18 | 0.15 | 0.13 | 0.15 | 0.16 |
| Net Loans & Leases | 3.99 | 3.90 | 3.75 | 3.71 | 3.64 | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- |
| Total Assets | 4.70 | 4.58 | 4.36 | 4.31 | 4.28 | 4.17 | 4.11 | 4.11 | 4.02 | 4.00 | 3.94 | 3.44 | 3.29 | 3.07 | 2.78 | 2.65 | 2.58 |
| Total Deposits | 3.94 | 3.87 | 3.68 | 3.64 | 3.62 | 3.52 | 3.46 | 3.46 | 3.35 | 3.43 | 3.43 | 3.00 | 2.87 | 2.71 | 2.43 | 2.31 | 2.26 |
| Total Liabilities | 4.25 | 4.20 | 4.00 | 3.96 | 3.95 | 3.85 | 3.79 | 3.79 | 3.72 | 3.70 | 3.64 | 3.15 | 3.01 | 2.79 | 2.52 | 2.40 | 2.34 |
| Retained Earnings | 0.27 | 0.26 | 0.24 | 0.23 | 0.23 | 0.22 | 0.21 | 0.21 | 0.20 | 0.20 | 0.19 | 0.19 | 0.18 | 0.17 | 0.15 | 0.14 | 0.13 |
| Total Stockholder Equity | 0.45 | 0.38 | 0.36 | 0.35 | 0.34 | 0.33 | 0.32 | 0.32 | 0.30 | 0.30 | 0.30 | 0.29 | 0.28 | 0.28 | 0.27 | 0.25 | 0.24 |
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 | 58.13 | 54.61 | 54.53 | 54.99 | 52.32 | 49.65 | 51.13 | 51.17 | 50.55 | 48.36 | 49.14 | 47.45 | 42.69 | 38.33 | 35.03 | 30.93 | 27.24 | 24.46 | 24.14 | 23.49 |
| Interest Expense | -- | -- | -- | -- | -- | -- | -- | -- | 31.02 | 29.72 | 30.08 | 28.10 | 23.86 | 17.91 | 10.91 | 5.48 | 2.35 | 1.30 | 1.28 | 1.31 |
| Net Interest Income | 32.37 | 30.26 | 28.74 | 27.53 | 25.30 | 23.38 | 22.46 | 20.59 | 19.53 | 18.65 | 19.06 | 19.35 | 18.83 | 20.42 | 24.12 | 25.45 | 24.88 | 23.16 | 22.86 | 22.17 |
| Provision for Credit Losses | 1.02 | 1.30 | 0.65 | 0.85 | 0.70 | 0.75 | (0.20) | 0.00 | 0.50 | (0.17) | (0.97) | (0.50) | 0.91 | 1.83 | 2.33 | 0.95 | 1.78 | 1.11 | (4.20) | (6.00) |
| Non-interest Income | 3.51 | 3.54 | 3.09 | 3.60 | 3.33 | 3.11 | 2.78 | 3.18 | 3.52 | 2.66 | 2.33 | 2.75 | 2.74 | 2.04 | 1.71 | 2.68 | 2.27 | 2.93 | 3.34 | 4.24 |
| Non-interest Expense | 20.39 | 20.02 | 18.42 | 18.95 | 19.34 | 18.84 | 18.54 | 18.04 | 18.64 | 18.10 | 17.03 | 17.30 | 17.39 | 17.10 | 16.41 | 16.05 | 15.79 | 14.69 | 14.73 | 14.04 |
| Pretax Income | 14.46 | 12.48 | 12.77 | 11.33 | 8.59 | 6.91 | 6.89 | 5.73 | 3.91 | 3.38 | 5.34 | 5.29 | 3.26 | 3.54 | 7.09 | 11.14 | 9.59 | 10.30 | 15.66 | 18.37 |
| Tax Provision | 3.27 | 2.60 | 2.91 | 2.67 | 2.01 | 1.65 | 1.27 | 1.35 | 0.91 | 0.86 | 1.17 | 1.20 | 0.80 | 0.84 | 1.60 | 2.73 | 2.35 | 2.33 | 3.65 | 4.36 |
| Net Income | 11.20 | 9.89 | 9.86 | 8.66 | 6.58 | 5.27 | 5.63 | 4.38 | 3.00 | 2.52 | 4.17 | 4.10 | 2.46 | 2.70 | 5.49 | 8.41 | 7.24 | 7.97 | 12.01 | 14.02 |
| Basic EPS | 1.22 | 1.21 | 1.21 | 1.08 | 0.81 | 0.65 | 0.70 | 0.54 | 0.37 | 0.31 | 0.51 | 0.51 | 0.31 | 0.34 | 0.69 | 1.06 | 0.91 | 1.00 | 1.53 | 1.78 |
| Diluted EPS | 1.20 | 1.19 | 1.19 | 1.07 | 0.81 | 0.65 | 0.69 | 0.54 | 0.37 | 0.31 | 0.51 | 0.51 | 0.31 | 0.33 | 0.69 | 1.04 | 0.90 | 0.98 | 1.50 | 1.75 |
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 | 18.05 | 10.77 | (2.09) | 14.49 | 10.48 | 7.58 | (1.81) | 26.33 | 3.96 | (2.92) | 6.86 | 16.14 | (6.59) | 1.24 | 13.47 | 22.47 | 6.51 | 7.87 | 28.27 | 15.96 |
| Capital Expenditures | 1.32 | 0.28 | 0.27 | 0.09 | 0.08 | 0.14 | 0.22 | 0.20 | 0.09 | 0.28 | 0.12 | 0.35 | 0.59 | 0.18 | 0.82 | 4.14 | 3.12 | 5.87 | 9.89 | 5.52 |
| Free Cash Flow* | 16.73 | 10.49 | (2.36) | 14.40 | 10.40 | 7.44 | (2.02) | 26.14 | 3.87 | (3.20) | 6.74 | 15.79 | (7.17) | 1.06 | 12.65 | 18.32 | 3.39 | 2.00 | 18.38 | 10.45 |
| Investing Cash Flow | (111.15) | (94.89) | (52.51) | (43.20) | (60.21) | (50.40) | (12.95) | (8.06) | 24.37 | (32.22) | (34.90) | (78.89) | (121.96) | (142.83) | (250.72) | (185.33) | (185.74) | (170.79) | (120.71) | (163.53) |
| Financing Cash Flow | 111.96 | 157.31 | 41.28 | 40.59 | 15.71 | 185.02 | (82.96) | 47.48 | (0.81) | 46.28 | 31.81 | 10.07 | 61.41 | 242.93 | 247.52 | 141.38 | 212.11 | 144.93 | 131.12 | 122.30 |
* Derived from reported values
