Financial Performance & Metrics - The company's asset-sensitive model is anchored by law firm loans yielding approximately 9.45%[12] - The company's branchless and tech-enabled core deposit platform is funded at 0.98%[12] - The company has a strong efficiency ratio of 47.6% while investing in resources for future growth[12] - The company's equity to assets is 12.79%[19] - The company's common equity tier 1 is 14.89%[19] - The company's book value per share is $31.01[19] Business Verticals & Growth - The company has been driving loan and deposit growth with a 5 Year CAGR of approximately 20% since 2020[12] - The company's payment processing vertical has a strong growth and stable fee income with a 5 Year CAGR of 14% since 2020[13] - The company's total fee income represents 17% of total revenue[13, 57] - The company services 92,000 merchants nationally through its ISO model in the payment processing vertical[13, 60]