Call reports 2025
EAGLE ROCK BANK — 2025
What EAGLE ROCK 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 | 268,231,000 | 272,777,000 | 279,452,000 | 272,233,000 |
| Total loans | 218,197,000 | 222,074,000 | 228,505,000 | 210,944,000 |
| Allowance for loan losses | 2,088,000 | 2,210,000 | 2,356,000 | 1,979,000 |
| Securities available for sale | 27,025,000 | 27,341,000 | 29,522,000 | 30,549,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 212,102,000 | 213,206,000 | 211,306,000 | 220,613,000 |
| Interest-bearing deposits | 173,126,000 | 172,823,000 | 163,407,000 | 172,112,000 |
| Noninterest-bearing deposits | 38,976,000 | 40,383,000 | 47,899,000 | 48,501,000 |
| Equity capital | 26,544,000 | 27,118,000 | 28,269,000 | 29,228,000 |
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 | 3,803,000 | 7,859,000 | 12,071,000 | 16,129,000 |
| Interest expense | 1,607,000 | 3,259,000 | 4,896,000 | 6,403,000 |
| Net interest income | 2,196,000 | 4,600,000 | 7,175,000 | 9,726,000 |
| Noninterest income | 146,000 | 426,000 | 547,000 | 1,660,000 |
| Noninterest expense | 1,461,000 | 3,004,000 | 4,515,000 | 6,797,000 |
| Provision for loan losses | 108,000 | 231,000 | 378,000 | 626,000 |
| Pretax income | 731,000 | 1,706,000 | 2,741,000 | 3,757,000 |
| Income tax | 283,000 | 602,000 | 967,000 | 1,117,000 |
| Net income | 448,000 | 1,104,000 | 1,774,000 | 2,640,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,632,000 | 28,288,000 | 28,958,000 | 29,824,000 |
| Total capital | 29,799,000 | 30,604,000 | 31,423,000 | 32,029,000 |
| Risk-weighted assets | 236,725,000 | 244,600,000 | 249,035,000 | 234,435,000 |