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the appointment of a new CEO over at the NASDAQ. It's Exelon celebrating its company's 25th anniversary. And it does look like we are opening calmer and higher across the board, relief perhaps to some after the worst selloff on Friday for the S&P and the NASDAQ since liberation day early April.And there's the opening bell. You know, we so mentioned, Jim, that we are still in the middle of a government shutdown. I didn't see any movement toward trying to fix this or reopen the government over the weekend as ...

Financial Performance - NDBT reported net earnings of $2,102,943 or $0.82 per share for the three months ending June 30, 2025, and net earnings of $3,410,659 or $1.33 per share for the six months ending June 30, 2025 [1] - Interest income for the three months was $20,840,077, an increase from $19,396,299 in the same period of 2024, while for six months it rose to $40,818,257 from $38,118,686 [4] - Net interest income increased to $10,329,600 for the three months and $19,791,852 for the six months, compared to $8,510,650 and $16,777,074 in 2024 respectively [4] - Noninterest income for the three months was $1,608,863, up from $1,409,222 in 2024, and for six months it increased to $3,139,913 from $2,837,935 [4] - Total assets as of June 30, 2025, were $1,875,281,283, compared to $1,804,015,338 in 2024 [4] Balance Sheet Highlights - Total loans increased to $1,273,740,979 as of June 30, 2025, from $1,218,113,548 in 2024 [4] - Deposits rose to $1,588,704,625 in 2025, compared to $1,485,693,496 in 2024 [4] - Stockholders' equity increased to $176,582,960 in 2025 from $166,632,291 in 2024 [4] Company Overview - NDBT, established in 1961, operates as an independent community bank with five banking centers located in Dallas, Addison, Frisco, Las Colinas, and Plano [3] - The bank focuses on providing authentic banking solutions, wealth management, and innovative online banking tools [3]

Core Insights - NDBT reported net earnings of $1,307,716 or $0.51 per share for the three months ending March 31, 2025, showing a significant increase compared to the previous year [1][5]. Financial Performance - Interest income increased to $19,978,180 in 2025 from $18,722,387 in 2024, reflecting a growth of approximately 6.7% [5]. - Interest expense rose slightly to $10,515,928 in 2025 from $10,455,963 in 2024, indicating a marginal increase [5]. - Net interest income improved to $9,462,252 in 2025, up from $8,266,424 in 2024, marking an increase of about 14.5% [5]. - Noninterest income also saw an increase, reaching $1,531,050 in 2025 compared to $1,428,713 in 2024 [5]. - Noninterest expenses rose to $9,466,604 in 2025 from $8,453,319 in 2024, reflecting an increase of approximately 12% [5]. - Income before taxes and extraordinary items increased significantly to $1,526,698 in 2025 from $801,818 in 2024 [5]. - Net income for the period was $1,307,716, up from $714,685 in the previous year, representing an increase of about 82.7% [5]. - Earnings per share rose to $0.51 in 2025 from $0.28 in 2024, indicating a substantial growth [5]. Balance Sheet Highlights - Total assets increased to $1,877,362,025 in 2025 from $1,832,966,265 in 2024, showing a growth of approximately 2.4% [5]. - Total loans rose to $1,243,202,542 in 2025 from $1,199,991,678 in 2024, reflecting an increase of about 3.6% [5]. - Deposits increased to $1,594,703,504 in 2025 from $1,517,726,655 in 2024, marking a growth of approximately 5.1% [5]. - Stockholders' equity grew to $173,736,749 in 2025 from $164,835,517 in 2024, indicating an increase of about 5.4% [5].