Call reports 2025
STATE BANK FINANCIAL — 2025
What STATE BANK FINANCIAL reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 512,868,000 | 503,017,000 | 517,512,000 | 519,820,000 |
| Total loans | 307,543,000 | 301,700,000 | 325,178,000 | 328,732,000 |
| Allowance for loan losses | 2,929,000 | 3,016,000 | 3,002,000 | 2,837,000 |
| Securities available for sale | 126,540,000 | 124,222,000 | 124,984,000 | 123,201,000 |
| Securities held to maturity | 548,000 | 548,000 | 548,000 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 430,107,000 | 425,906,000 | 439,496,000 | 406,657,000 |
| Interest-bearing deposits | 416,215,000 | 409,418,000 | 427,149,000 | 397,781,000 |
| Noninterest-bearing deposits | 13,892,000 | 16,488,000 | 12,347,000 | 8,876,000 |
| Equity capital | 40,544,000 | 42,423,000 | 45,613,000 | 46,806,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 5,617,000 | 11,490,000 | 17,608,000 | 23,807,000 |
| Interest expense | 2,405,000 | 4,800,000 | 7,259,000 | 9,582,000 |
| Net interest income | 3,212,000 | 6,690,000 | 10,349,000 | 14,225,000 |
| Noninterest income | 512,000 | 1,061,000 | 1,607,000 | 2,222,000 |
| Noninterest expense | 2,591,000 | 5,157,000 | 7,753,000 | 10,451,000 |
| Provision for loan losses | 91,000 | 196,000 | 140,000 | -21,000 |
| Pretax income | 1,042,000 | 2,503,000 | 4,112,000 | 6,173,000 |
| Income tax | 9,000 | 19,000 | 30,000 | 48,000 |
| Net income | 1,033,000 | 2,484,000 | 4,082,000 | 6,125,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 48,363,000 | 49,035,000 | 50,229,000 | 50,942,000 |
| Total capital | 51,292,000 | 52,051,000 | 53,231,000 | 53,779,000 |
| Risk-weighted assets | 355,723,000 | 349,166,000 | 367,920,000 | 369,122,000 |