Call reports 2026
FIRST NATIONAL BANK OF WATERLOO — 2026
What FIRST NATIONAL BANK OF WATERLOO 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 | 948,812,000 | 929,324,000 |
| Total loans | 538,023,000 | 548,470,000 |
| Allowance for loan losses | 8,408,000 | 8,546,000 |
| Securities available for sale | 108,099,000 | 109,300,000 |
| Securities held to maturity | 158,617,000 | 163,716,000 |
| Trading assets | 0 | 0 |
| Total deposits | 788,732,000 | 779,636,000 |
| Interest-bearing deposits | 635,774,000 | 628,679,000 |
| Noninterest-bearing deposits | 152,958,000 | 150,957,000 |
| Equity capital | 88,789,000 | 91,678,000 |
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 | 10,378,000 | 21,255,000 |
| Interest expense | 3,188,000 | 6,367,000 |
| Net interest income | 7,190,000 | 14,888,000 |
| Noninterest income | 1,288,000 | 2,695,000 |
| Noninterest expense | 5,519,000 | 11,222,000 |
| Provision for loan losses | 134,000 | 268,000 |
| Pretax income | 2,720,000 | 5,883,000 |
| Income tax | 631,000 | 1,380,000 |
| Net income | 2,089,000 | 4,503,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Tier 1 capital | 84,448,000 | 86,955,000 |
| Total capital | 92,854,000 | 95,402,000 |
| Risk-weighted assets | 672,194,000 | 675,238,000 |