Call reports 2025
NANO BANC — 2025
What NANO BANC reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 996,599,000 | 931,078,000 | 908,539,000 | 875,372,000 |
| Total loans | 655,900,000 | 612,759,000 | 581,065,000 | 541,418,000 |
| Allowance for loan losses | 24,572,000 | 20,400,000 | 19,222,000 | 13,493,000 |
| Securities available for sale | 71,689,000 | 69,625,000 | 64,791,000 | 64,527,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 870,172,000 | 804,571,000 | 755,102,000 | 732,658,000 |
| Interest-bearing deposits | 440,817,000 | 448,372,000 | 424,489,000 | 401,191,000 |
| Noninterest-bearing deposits | 429,355,000 | 356,199,000 | 330,613,000 | 331,467,000 |
| Equity capital | 115,675,000 | 100,894,000 | 67,141,000 | 41,534,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 12,915,000 | 24,461,000 | 36,052,000 | 45,586,000 |
| Interest expense | 3,983,000 | 7,521,000 | 11,927,000 | 16,612,000 |
| Net interest income | 8,932,000 | 16,940,000 | 24,125,000 | 28,974,000 |
| Noninterest income | 1,513,000 | 2,873,000 | 4,023,000 | 5,471,000 |
| Noninterest expense | 10,417,000 | 35,297,000 | 51,182,000 | 80,307,000 |
| Provision for loan losses | 0 | 6,030,000 | 10,767,000 | 16,367,000 |
| Pretax income | -396,000 | -21,922,000 | -34,190,000 | -62,563,000 |
| Income tax | -144,000 | -6,535,000 | 15,335,000 | 12,753,000 |
| Net income | -252,000 | -15,387,000 | -49,525,000 | -75,316,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 110,675,000 | 95,551,000 | 67,579,000 | 41,798,000 |
| Total capital | 118,789,000 | 103,465,000 | 75,298,000 | 49,197,000 |
| Risk-weighted assets | 630,939,000 | 618,957,000 | 604,329,000 | 584,196,000 |