BBTHIGH SIGNALFINANCIAL10-K

BBT experienced extraordinary growth across all financial metrics with net income swinging from -$4.2M to $90.3M and total assets nearly doubling to $23.2B, suggesting a major transformation or acquisition.

The dramatic scale of growth across every financial metric indicates BBT underwent a transformational event, likely a significant acquisition or merger given the references to "Transaction" and "LEP" in the language changes. The updated share count and removal of previous market cap language further supports a major corporate restructuring that fundamentally changed the company's size and scope.

Comparing 2026-03-02 vs 2025-03-03View on EDGAR →
FINANCIAL ANALYSIS

BBT's financials reveal explosive growth with net income turning positive by over 2,200%, revenue tripling to $400M, and net interest income growing 292% to $832.8M. The balance sheet nearly doubled in scale with total assets reaching $23.2B and deposits growing 88% to $19.5B, while debt increased 136% and stockholders' equity more than doubled to $2.5B. This comprehensive expansion across all metrics, combined with improved credit loss provisions, signals a successful major acquisition or transformational transaction that significantly enhanced BBT's scale and profitability profile.

FINANCIAL STATEMENT CHANGES
Net Income
P&L
+2238.6%
-$4.2M$90.3M

Net income grew 2238.6% — bottom-line growth signals improving overall business health.

Net Interest Income
P&L
+292.1%
$212.4M$832.8M

Net interest income grew 292.1% — benefiting from rate environment or loan book expansion.

Cash & Equivalents
Balance Sheet
+275.5%
$543.7M$2.0B

Cash position surged 275.5% — strong cash generation or capital raise providing significant financial cushion.

Revenue
P&L
+218.4%
$125.6M$400.0M

Strong top-line growth of 218.4% — accelerating demand or successful expansion into new markets.

Capital Expenditure
Cash Flow
+169%
$4.6M$12.3M

Capital expenditure jumped 169% — major investment cycle underway; assess returns on deployment.

Total Debt
Balance Sheet
+135.6%
$334.6M$788.4M

Debt increased 135.6% — substantial leverage increase; assess whether deployed for growth or covering losses.

Stockholders Equity
Balance Sheet
+113.8%
$1.2B$2.5B

Equity base grew 113.8% — retained earnings accumulation or equity issuance strengthening the balance sheet.

Total Assets
Balance Sheet
+89.2%
$12.3B$23.2B

Asset base grew 89.2% — expansion through organic growth, acquisitions, or capital deployment.

Total Deposits
Balance Sheet
+88.1%
$10.4B$19.5B

Deposits grew 88.1% — expanding customer base or increased trust in the institution.

Provision for Credit Losses
P&L
+87.5%
-$4.0M-$500K

Credit loss provisions surged 87.5% — management flagging significant deterioration in loan quality ahead.

LANGUAGE CHANGES
NEW — 2026-03-02
PRIOR — 2025-03-03
ADDED
See the definitions of "large accelerated filer", "accelerated filer", "smaller reporting company", and "emerging growth company" in Rule 12b-2 of the Exchange Act.
As of February 27, 2026, there were 89,576,403 and 83,816,086 shares of the registrant's common stock, par value $0.01 per share, issued and outstanding, respectively.
Market for the Registrant's Common Equity, Related Stockholder Matters and Issuer Purchases of Equity Securities 24 Item 6.
Management's Discussion and Analysis of Financial Condition and Results of Operations 25 Item 7A.
Security Ownership of Certain Beneficial Owners and Management and Related Stockholder Matters 67 Item 13.
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REMOVED
(Exact name of registrant as specified in its charter) Delaware 04-3510455 (State or other jurisdiction of incorporation or organization) (I.R.S.
See the definition of large accelerated filer, accelerated filer , smaller reporting company , and "emerging growth company" in Rule 12b-2 of the Exchange Act.
The aggregate market value of the voting and non-voting common equity held by non-affiliates was approximately $ 1.0 billion, based upon the closing price of $22.80 as quoted on the New York Stock Exchange as of the last business day of the registrant s most recently completed second fiscal quarter.
MARKET FOR REGISTRANT S COMMON EQUITY, RELATED SHAREHOLDER MATTERS AND ISSUER PURCHASES OF EQUITY SECURITIES 45 ITEM 6.
MANAGEMENT S DISCUSSION AND ANALYSIS OF FINANCIAL CONDITION AND RESULTS OF OPERATIONS 48 ITEM 7A.
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