Financial Performance - Total assets reached $5.48 billion, a 21% increase year-over-year[6, 11] - Credit assets totaled $4.78 billion, up 18% year-over-year and 6% sequentially[6, 7, 11, 18] - Total revenue was $31.6 million, representing a 17% year-over-year increase and a 5% sequential increase[6, 14, 15] - Adjusted net income was $9.7 million, consistent with the previous year and up 11% sequentially[6, 14] - Adjusted EPS was $0.30, a 17% decrease year-over-year but a 7% increase sequentially[6, 14] Balance Sheet Strength - Cash and securities increased to $0.62 billion, a 55% increase year-over-year[11] - Book value per common share increased to $16.42, an 8% increase year-over-year[11] - CET1 ratio stood at 13.56%, an increase of 181 bps year-over-year[11] - Leverage ratio was 8.90%, an increase of 36 bps year-over-year[11] Segment Performance - Digital Banking Canada revenue was $26.619 million, a 6% increase year-over-year and a 4% sequential increase[15] - Digital Banking USA revenue was $3.116 million, a 25% sequential increase[15]