Call reports 2026
FLAT BRANCH BANK — 2026
What FLAT BRANCH 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 | 93,298,000 | 92,799,000 |
| Total loans | 54,723,000 | 58,232,000 |
| Allowance for loan losses | 684,000 | 738,000 |
| Securities available for sale | 6,350,000 | 6,235,000 |
| Securities held to maturity | 0 | 0 |
| Trading assets | 0 | 0 |
| Total deposits | 79,588,000 | 79,225,000 |
| Interest-bearing deposits | 64,530,000 | 65,785,000 |
| Noninterest-bearing deposits | 15,058,000 | 13,440,000 |
| Equity capital | 13,264,000 | 13,426,000 |
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 | 1,493,000 | 2,916,000 |
| Interest expense | 398,000 | 804,000 |
| Net interest income | 1,095,000 | 2,112,000 |
| Noninterest income | 54,000 | 112,000 |
| Noninterest expense | 1,823,000 | 2,649,000 |
| Provision for loan losses | 145,000 | 199,000 |
| Pretax income | -789,000 | -595,000 |
| Income tax | -190,000 | -145,000 |
| Net income | -599,000 | -450,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Tier 1 capital | 11,295,000 | 11,478,000 |