Call reports 2025
ROCKPOINTBANK, NATIONAL ASSOCIATION — 2025
What ROCKPOINTBANK, NATIONAL ASSOCIATION 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 | 318,892,000 | 322,096,000 | 337,037,000 | 344,509,000 |
| Total loans | 253,399,000 | 262,943,000 | 280,756,000 | 282,787,000 |
| Allowance for loan losses | 2,336,000 | 2,420,000 | 2,578,000 | 2,574,000 |
| Securities available for sale | 32,457,000 | 35,642,000 | 34,411,000 | 34,037,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 267,261,000 | 269,867,000 | 283,747,000 | 287,581,000 |
| Interest-bearing deposits | 228,241,000 | 221,470,000 | 243,222,000 | 250,245,000 |
| Noninterest-bearing deposits | 39,020,000 | 48,397,000 | 40,525,000 | 37,336,000 |
| Equity capital | 39,103,000 | 39,670,000 | 40,465,000 | 43,837,000 |
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 | 4,207,000 | 8,513,000 | 13,146,000 | 17,867,000 |
| Interest expense | 2,110,000 | 4,226,000 | 6,454,000 | 8,653,000 |
| Net interest income | 2,097,000 | 4,287,000 | 6,692,000 | 9,214,000 |
| Noninterest income | 95,000 | 194,000 | 299,000 | 444,000 |
| Noninterest expense | 1,813,000 | 3,655,000 | 5,611,000 | 7,590,000 |
| Provision for loan losses | 97,000 | 182,000 | 340,000 | 336,000 |
| Pretax income | 288,000 | 596,000 | 972,000 | 1,594,000 |
| Income tax | 21,000 | 41,000 | 78,000 | -2,284,000 |
| Net income | 267,000 | 555,000 | 894,000 | 3,878,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 40,454,000 | 40,816,000 | 41,230,000 | 42,849,000 |
| Total capital | 42,947,000 | 43,448,000 | 44,041,000 | 45,725,000 |
| Risk-weighted assets | 252,596,000 | 265,034,000 | 279,228,000 | 288,592,000 |