Call reports 2026
FIRST COMMUNITY BANK XENIA-FLORA — 2026
What FIRST COMMUNITY BANK XENIA-FLORA reported to the FFIEC in 2026, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Total assets | 56,959,000 | 55,539,000 |
| Total loans | 30,530,000 | 30,715,000 |
| Allowance for loan losses | 172,000 | 176,000 |
| Securities available for sale | 18,642,000 | 19,261,000 |
| Securities held to maturity | 0 | 0 |
| Trading assets | 0 | 0 |
| Total deposits | 48,539,000 | 47,309,000 |
| Interest-bearing deposits | 35,134,000 | 34,663,000 |
| Noninterest-bearing deposits | 13,405,000 | 12,646,000 |
| Equity capital | 5,342,000 | 5,652,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Interest income | 728,000 | 1,462,000 |
| Interest expense | 184,000 | 366,000 |
| Net interest income | 544,000 | 1,096,000 |
| Noninterest income | 26,000 | 52,000 |
| Noninterest expense | 335,000 | 645,000 |
| Provision for loan losses | 0 | 0 |
| Pretax income | 235,000 | 503,000 |
| Income tax | 0 | 8,000 |
| Net income | 235,000 | 495,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Tier 1 capital | 6,581,000 | 6,766,000 |