Core Insights - NDBT reported net earnings of $2,153,174 or $0.84 per share for the three months ending September 30, 2025, and net earnings of $5,563,832 or $2.17 per share for the nine months ending September 30, 2025 [1][5]. Financial Performance - Interest income for the three months ended September 30, 2025, was $21,679,467, an increase from $19,690,721 in 2024, while for the nine months, it rose to $62,497,724 from $57,809,406 [5]. - Interest expense decreased to $10,511,837 for the three months in 2025 from $11,417,563 in 2024, and for the nine months, it fell to $31,538,242 from $32,759,175 [5]. - Net interest income increased significantly to $11,167,630 for the three months in 2025 from $8,273,158 in 2024, and for the nine months, it rose to $30,959,482 from $25,050,231 [5]. - Noninterest income for the three months was $1,415,333, slightly down from $1,546,280 in 2024, while for the nine months, it increased to $4,555,246 from $4,384,215 [5]. - Noninterest expenses rose to $9,671,275 for the three months in 2025 from $9,302,724 in 2024, and for the nine months, they increased to $28,447,278 from $26,524,077 [5]. - Income before taxes and extraordinary items was $2,577,688 for the three months in 2025, up from $516,714 in 2024, and for the nine months, it increased to $6,627,450 from $2,470,369 [5]. - Total assets as of September 30, 2025, were $1,866,276,212, a slight decrease from $1,867,355,555 in 2024, while total loans increased to $1,281,642,359 from $1,211,656,001 [5]. - Deposits rose to $1,586,843,853 in 2025 from $1,543,618,454 in 2024, and stockholders' equity increased to $179,838,525 from $170,479,567 [5].

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]