Call reports 2026
WATERFALL BANK — 2026
What WATERFALL 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 | 421,942,000 | 409,933,000 |
| Total loans | 381,324,000 | 380,100,000 |
| Allowance for loan losses | 3,283,000 | 3,165,000 |
| Securities available for sale | 9,754,000 | 9,530,000 |
| Securities held to maturity | 0 | 0 |
| Trading assets | 0 | 0 |
| Total deposits | 343,073,000 | 330,332,000 |
| Interest-bearing deposits | 305,170,000 | 295,769,000 |
| Noninterest-bearing deposits | 37,903,000 | 34,563,000 |
| Equity capital | 52,778,000 | 52,828,000 |
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 | 6,154,000 | 12,596,000 |
| Interest expense | 2,916,000 | 5,854,000 |
| Net interest income | 3,238,000 | 6,742,000 |
| Noninterest income | 90,000 | 313,000 |
| Noninterest expense | 3,247,000 | 6,745,000 |
| Provision for loan losses | 225,000 | 393,000 |
| Pretax income | -143,000 | -82,000 |
| Income tax | -33,000 | -12,000 |
| Net income | -110,000 | -70,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Tier 1 capital | 52,826,000 | 52,898,000 |
| Total capital | 56,143,000 | 56,098,000 |
| Risk-weighted assets | 405,080,000 | 393,181,000 |