Call reports 2025
TANDEM BANK — 2025
What TANDEM BANK 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 | 249,064,000 | 249,389,000 | 282,289,000 | 303,658,000 |
| Total loans | 174,800,000 | 201,426,000 | 214,654,000 | 228,754,000 |
| Allowance for loan losses | 2,488,000 | 2,563,000 | 2,846,000 | 2,906,000 |
| Securities available for sale | 26,525,000 | 26,094,000 | 51,990,000 | 50,965,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 219,905,000 | 209,381,000 | 218,551,000 | 239,058,000 |
| Interest-bearing deposits | 158,900,000 | 154,524,000 | 161,748,000 | 174,574,000 |
| Noninterest-bearing deposits | 61,005,000 | 54,857,000 | 56,803,000 | 64,484,000 |
| Equity capital | 25,095,000 | 25,565,000 | 35,657,000 | 36,666,000 |
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 | 3,618,000 | 7,499,000 | 11,931,000 | 16,650,000 |
| Interest expense | 1,369,000 | 2,765,000 | 4,386,000 | 6,159,000 |
| Net interest income | 2,249,000 | 4,734,000 | 7,545,000 | 10,491,000 |
| Noninterest income | 83,000 | 190,000 | 277,000 | 411,000 |
| Noninterest expense | 1,775,000 | 3,573,000 | 5,469,000 | 7,383,000 |
| Provision for loan losses | 0 | 75,000 | 115,000 | 175,000 |
| Pretax income | 510,000 | 1,201,000 | 2,163,000 | 3,329,000 |
| Income tax | 85,000 | 263,000 | 503,000 | 732,000 |
| Net income | 425,000 | 938,000 | 1,660,000 | 2,597,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,918,000 | 26,454,000 | 36,206,000 | 37,165,000 |
| Total capital | 28,220,000 | 29,017,000 | 39,052,000 | 40,071,000 |
| Risk-weighted assets | 183,968,000 | 209,950,000 | 228,926,000 | 243,268,000 |