Financial Performance - Net income for Q3 2025 was $232 million, with diluted earnings per share of $082[16] - The company reported a return on average assets (ROAA) of 109% and a pre-tax pre-provision return on average assets (PTPP ROAA) of 181% for Q3 2025[16] - For the first nine months of 2025, net income reached $731 million, with diluted earnings per share of $259[14] - Total revenue for the first nine months of 2025 increased by 73% to $3091 million compared to the same period in 2024[14] Loan and Deposit Trends - Average loan growth was 30% annualized in Q3 2025[16] - Average deposit growth was 77% annualized in Q3 2025[16] - Total loans reached $67 billion[7] - Total deposits reached $71 billion[7] Key Ratios and Metrics - Net interest margin (NIM) remained strong at 407% in Q3 2025[16] - The efficiency ratio was 6422% for Q3 2025[16] - The common equity tier 1 (CET1) ratio was 1379%[14, 15] - Service fees accounted for 245% of total revenue in Q3 2025[16] Strategic Positioning - The company operates in 5 of the top 10 fastest-growing MSAs[7] - The company has a presence in 7 of the 10 largest MSAs in the Southwest & Western US[7] - The company's loan portfolio is diversified, with a focus on commercial and industrial (C&I) lending[22]