stal Financial (CCB) - 2024 Q2 - Quarterly Results

Net interest margin, net of BaaS loan expense is a non-GAAP measure that includes the impact of BaaS loan expense on net interest rate margin. The most directly comparable GAAP measure is net interest margin. Consumer loans comprise 29.7% of our total balance of outstanding loans as of June 30, 2024. Unused commitments to extend credit represents an additional $1.53 billion, and the combined total in consumer and other loans represents $2.52 billion, or 40.9% of our total outstanding loans and loan commitme ...