Invercargill-based SBS Bank has reported a 6 percent rise in annual profit on assets that now top $3 billion.
The operating surplus of $27.7 million in the year to March 31, 2016 was up from $26.1 million the previous year.
Total assets of $3.41 billion are up from $2.86 billion last year.
Chairman John Ward said a national advertising campaign, along with mobile mortgage managers had helped lift awareness of SBS in the Auckland region, a market SBS signalled last year it planned to become more active in.
Mr Ward said the board was very satisfied with progress in both the Auckland region and the provinces.
In June the lender appointed Shaun Drylie as its new chief executive, starting in August.
The former CEO, Wayne Evans, died suddenly from natural causes in January after taking up the role in 2014.
More than $1 million in rebates had been given to members in the past year, SBS said.