Call reports 2025
OPEN BANK — 2025
What OPEN BANK 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 | 2,512,826,000 | 2,563,547,000 | 2,614,517,000 | 2,650,892,000 |
| Total loans | 2,048,440,000 | 2,091,596,000 | 2,157,697,000 | 2,205,112,000 |
| Allowance for loan losses | 25,368,000 | 26,286,000 | 27,299,000 | 27,975,000 |
| Securities available for sale | 182,480,000 | 175,000,000 | 200,760,000 | 192,785,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 2,191,167,000 | 2,256,971,000 | 2,275,653,000 | 2,281,519,000 |
| Interest-bearing deposits | 1,635,346,000 | 1,687,810,000 | 1,727,470,000 | 1,754,248,000 |
| Noninterest-bearing deposits | 555,821,000 | 569,161,000 | 548,183,000 | 527,271,000 |
| Equity capital | 208,558,000 | 211,472,000 | 219,415,000 | 252,357,000 |
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 | 34,860,000 | 72,524,000 | 111,047,000 | 150,328,000 |
| Interest expense | 17,441,000 | 35,385,000 | 53,561,000 | 71,702,000 |
| Net interest income | 17,419,000 | 37,139,000 | 57,486,000 | 78,626,000 |
| Noninterest income | 4,763,000 | 8,720,000 | 12,814,000 | 16,217,000 |
| Noninterest expense | 13,552,000 | 27,277,000 | 40,672,000 | 54,744,000 |
| Provision for loan losses | 687,000 | 1,943,000 | 3,149,000 | 3,666,000 |
| Pretax income | 7,947,000 | 16,704,000 | 26,610,000 | 36,633,000 |
| Income tax | 2,202,000 | 4,400,000 | 7,436,000 | 9,946,000 |
| Net income | 5,745,000 | 12,304,000 | 19,174,000 | 26,687,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 221,678,000 | 224,902,000 | 230,193,000 | 262,255,000 |
| Total capital | 246,883,000 | 250,705,000 | 256,801,000 | 289,464,000 |
| Risk-weighted assets | 2,016,409,000 | 2,064,253,000 | 2,128,649,000 | 2,176,735,000 |