Call reports 2026
SOUTHERN INDEPENDENT BANK — 2026
What SOUTHERN INDEPENDENT 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 | 402,890,000 | 395,277,000 |
| Total loans | 178,911,000 | 180,708,000 |
| Allowance for loan losses | 2,038,000 | 2,055,000 |
| Securities available for sale | 152,429,000 | 154,224,000 |
| Securities held to maturity | 4,439,000 | 4,437,000 |
| Trading assets | 0 | 0 |
| Total deposits | 345,280,000 | 336,477,000 |
| Interest-bearing deposits | 254,826,000 | 251,589,000 |
| Noninterest-bearing deposits | 90,454,000 | 84,888,000 |
| Equity capital | 44,071,000 | 45,246,000 |
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 | 4,906,000 | 9,952,000 |
| Interest expense | 1,953,000 | 3,907,000 |
| Net interest income | 2,953,000 | 6,045,000 |
| Noninterest income | 354,000 | 697,000 |
| Noninterest expense | 1,925,000 | 3,934,000 |
| Provision for loan losses | 53,000 | 105,000 |
| Pretax income | 1,343,000 | 2,717,000 |
| Income tax | 139,000 | 512,000 |
| Net income | 1,204,000 | 2,205,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Tier 1 capital | 53,614,000 | 54,615,000 |