Call reports 2026
ULSTER SAVINGS BANK — 2026
What ULSTER SAVINGS 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 | 1,371,883,000 | 1,392,069,000 |
| Total loans | 1,046,078,000 | 1,045,404,000 |
| Allowance for loan losses | 11,512,000 | 11,427,000 |
| Securities available for sale | 156,051,000 | 152,147,000 |
| Securities held to maturity | 0 | 0 |
| Trading assets | 0 | 0 |
| Total deposits | 1,219,998,000 | 1,237,244,000 |
| Interest-bearing deposits | 1,014,357,000 | 1,033,872,000 |
| Noninterest-bearing deposits | 205,641,000 | 203,372,000 |
| Equity capital | 122,873,000 | 124,596,000 |
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 | 15,251,000 | 30,725,000 |
| Interest expense | 4,910,000 | 9,870,000 |
| Net interest income | 10,341,000 | 20,855,000 |
| Noninterest income | 4,318,000 | 8,195,000 |
| Noninterest expense | 12,042,000 | 24,007,000 |
| Provision for loan losses | 75,000 | 150,000 |
| Pretax income | 2,551,000 | 4,801,000 |
| Income tax | 504,000 | 967,000 |
| Net income | 2,047,000 | 3,834,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Tier 1 capital | 135,665,000 | 137,451,000 |
| Total capital | 147,571,000 | 149,422,000 |
| Risk-weighted assets | 952,504,000 | 984,109,000 |