Financial Performance - Net interest income decreased slightly by 0% from $122.8 million in Q3 2024 to $122.3 million in Q3 2025[8] - Noninterest income increased by 11% from $65.9 million in Q3 2024 to $73.4 million in Q3 2025[8] - Noninterest expense increased by 11% from $125.5 million in Q3 2024 to $139.3 million in Q3 2025[8] - Net income attributable to the parent company decreased by 6% from $44.9 million in Q3 2024 to $42.1 million in Q3 2025[10] - Earnings per diluted share increased by 2% from $1.78 in Q3 2024 to $1.81 in Q3 2025[10] Balance Sheet - Deposits decreased by 7% from $6,431.5 million in Q3 2024 to $6,005.2 million in Q3 2025[14] - Total loans and leases increased by 3% from $4,615.6 million in Q3 2024 to $4,743.3 million in Q3 2025[19] - Off-balance sheet custodial deposits averaged $732 million in Q3 2025, compared to $645 million in the prior year period[16] - Off-balance sheet custodial deposits were $431 million as of June 30, 2025, compared to $353 million as of June 30, 2024[16] Capital Allocation and Outlook - The company has liquidity sources totaling $2,652 million, including $953 million in cash and cash equivalents, $258 million in unpledged investment securities, and $200 million in Fed Discount Window Funds[22] - Fiscal Year 2025 EPS is projected to be $7.50-$7.80, assuming one rate cut in fiscal Q4 2025 and an effective tax rate of 16% to 20%[29] - Fiscal Year 2026 EPS is projected to be $8.25-$8.75, assuming no rate cuts during the year and an effective tax rate of 18% to 22%[29]