Call reports 2026
HOWARD STATE BANK — 2026
What HOWARD 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 | 79,373,000 | 80,211,000 |
| Total loans | 52,618,000 | 54,104,000 |
| Allowance for loan losses | 675,000 | 678,000 |
| Securities available for sale | 23,857,000 | 23,395,000 |
| Securities held to maturity | 0 | 0 |
| Trading assets | 0 | 0 |
| Total deposits | 70,840,000 | 71,089,000 |
| Interest-bearing deposits | 56,786,000 | 56,979,000 |
| Noninterest-bearing deposits | 14,054,000 | 14,110,000 |
| Equity capital | 7,372,000 | 7,409,000 |
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 | 1,101,000 | 2,208,000 |
| Interest expense | 163,000 | 332,000 |
| Net interest income | 938,000 | 1,876,000 |
| Noninterest income | 48,000 | 99,000 |
| Noninterest expense | 447,000 | 1,005,000 |
| Provision for loan losses | 0 | 0 |
| Pretax income | 540,000 | 968,000 |
| Income tax | 5,000 | 21,000 |
| Net income | 535,000 | 947,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Tier 1 capital | 9,611,000 | 9,753,000 |
| Total capital | 10,285,000 | 10,431,000 |
| Risk-weighted assets | 60,437,000 | 61,496,000 |