EPS: As of FY2025 Q2, the actual value is USD 1.85.<h3>Segment Revenue</h3><ul><li>Commercial Real Estate Owner Occupied: $937,426 thousand as of June 30, 2025, compared to $931,709 thousand as of December 31, 2024.</li><li>Commercial Real Estate Non-Owner Occupied: $1,674,229 thousand as of June 30, 2025, compared to $1,578,483 thousand as of December 31, 2024.</li><li>Construction and Development &lt; 60 months: $684,291 thousand as of June 30, 2025, compared to $756,662 thousand as of December 31, 2024.</li><li>Construction Residential Real Estate &lt; 60 months: $235,032 thousand as of June 30, 2025, compared to $250,373 thousand as of December 31, 2024.</li><li>Residential Real Estate First Lien: $1,462,758 thousand as of June 30, 2025, compared to $1,431,265 thousand as of December 31, 2024.</li><li>Residential Real Estate All Other: $291,362 thousand as of June 30, 2025, compared to $275,461 thousand as of December 31, 2024.</li><li>Agriculture: $447,984 thousand as of June 30, 2025, compared to $449,190 thousand as of December 31, 2024.</li><li>Commercial Non-Real Estate: $1,427,576 thousand as of June 30, 2025, compared to $1,363,462 thousand as of December 31, 2024.</li><li>Consumer Non-Real Estate: $481,725 thousand as of June 30, 2025, compared to $478,647 thousand as of December 31, 2024.</li><li>Oil and Gas: $472,105 thousand as of June 30, 2025, compared to $509,858 thousand as of December 31, 2024.</li></ul><h3>Operational Metrics</h3><ul><li>Net Income: $62,347 thousand for the three months ended June 30, 2025, compared to $50,641 thousand for the same period in 2024.</li><li>Net Interest Income: $121,256 thousand for the three months ended June 30, 2025, compared to $109,896 thousand for the same period in 2024.</li><li>Provision for Credit Losses on Loans: $1,239 thousand for the three months ended June 30, 2025, compared to $3,358 thousand for the same period in 2024.</li><li>Total Noninterest Income: $48,048 thousand for the three months ended June 30, 2025, compared to $43,944 thousand for the same period in 2024.</li><li>Total Noninterest Expense: $88,199 thousand for the three months ended June 30, 2025, compared to $85,316 thousand for the same period in 2024.</li></ul><h3>Cash Flow</h3><ul><li>Net Cash Provided by Operating Activities: $155,074 thousand for the six months ended June 30, 2025, compared to $166,475 thousand for the same period in 2024.</li><li>Net Cash Used in Investing Activities: -$26,414 thousand for the six months ended June 30, 2025, compared to -$361,268 thousand for the same period in 2024.</li><li>Net Cash Provided by Financing Activities: $314,918 thousand for the six months ended June 30, 2025, compared to $290,622 thousand for the same period in 2024.</li></ul><h3>Unique Metrics</h3><ul><li>Allowance for Credit Losses: $96,988 thousand as of June 30, 2025, compared to $99,497 thousand as of December 31, 2024.</li><li>Total Assets: $14,045,780 thousand as of June 30, 2025, compared to $13,554,314 thousand as of December 31, 2024.</li><li>Total Deposits: $12,056,192 thousand as of June 30, 2025, compared to $11,718,546 thousand as of December 31, 2024.</li></ul><h3>Future Outlook and Strategy</h3><ul><li>Core Business Focus: The company plans to continue its focus on expanding its core banking operations, with a particular emphasis on increasing its loan portfolio and deposit base. The acquisition of American Bank of Oklahoma, expected to close in the third quarter of 2025, is a strategic move to enhance its market presence and customer base.</li><li>Non-Core Business: The company is also exploring opportunities in non-core business areas, such as insurance and wealth management, to diversify its revenue streams and reduce dependency on traditional banking income.</li><li>Priority: The company aims to maintain strong capital ratios and improve operational efficiency to enhance shareholder value and sustain long-term growth.</li></ul>

BFC CAPITAL TRUST 11 PRF 31/03/2034 USD25 | 10-Q: FY2025 Q2 EPS: USD 1.85