Call reports 2026
HEADWATERS STATE BANK — 2026
What HEADWATERS STATE 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 | 119,616,000 | 122,481,000 |
| Total loans | 80,289,000 | 80,607,000 |
| Allowance for loan losses | 855,000 | 878,000 |
| Securities available for sale | 21,242,000 | 21,115,000 |
| Securities held to maturity | 0 | 0 |
| Trading assets | 0 | 0 |
| Total deposits | 100,361,000 | 102,883,000 |
| Interest-bearing deposits | 84,461,000 | 87,820,000 |
| Noninterest-bearing deposits | 15,900,000 | 15,063,000 |
| Equity capital | 19,059,000 | 19,355,000 |
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 | 1,495,000 | 3,013,000 |
| Interest expense | 599,000 | 1,210,000 |
| Net interest income | 896,000 | 1,803,000 |
| Noninterest income | 38,000 | 74,000 |
| Noninterest expense | 577,000 | 1,195,000 |
| Provision for loan losses | 22,000 | 49,000 |
| Pretax income | 330,000 | 628,000 |
| Income tax | 63,000 | 123,000 |
| Net income | 267,000 | 505,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Tier 1 capital | 12,571,000 | 12,842,000 |
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