Call reports 2026
LOCALITY BANK — 2026
What LOCALITY BANK 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 | 357,989,000 | 396,243,000 |
| Total loans | 292,281,000 | 313,562,000 |
| Allowance for loan losses | 5,073,000 | 5,099,000 |
| Securities available for sale | 15,437,000 | 14,689,000 |
| Securities held to maturity | 0 | 0 |
| Trading assets | 0 | 0 |
| Total deposits | 294,069,000 | 346,018,000 |
| Interest-bearing deposits | 251,228,000 | 298,426,000 |
| Noninterest-bearing deposits | 42,841,000 | 47,592,000 |
| Equity capital | 48,142,000 | 48,554,000 |
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 | 5,547,000 | 11,471,000 |
| Interest expense | 2,168,000 | 4,455,000 |
| Net interest income | 3,379,000 | 7,016,000 |
| Noninterest income | 291,000 | 365,000 |
| Noninterest expense | 3,038,000 | 5,889,000 |
| Provision for loan losses | 477,000 | 698,000 |
| Pretax income | 152,000 | 797,000 |
| Income tax | 68,000 | 256,000 |
| Net income | 84,000 | 541,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Tier 1 capital | 46,125,000 | 46,834,000 |