Call reports 2026
SAINT CLAIR STATE BANK (INCORPORATED) — 2026
What SAINT CLAIR STATE BANK (INCORPORATED) 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 | 133,054,000 | 134,355,000 |
| Total loans | 97,295,000 | 99,528,000 |
| Allowance for loan losses | 1,237,000 | 1,237,000 |
| Securities available for sale | 0 | 0 |
| Securities held to maturity | 2,643,000 | 2,473,000 |
| Trading assets | 0 | 0 |
| Total deposits | 117,395,000 | 118,386,000 |
| Interest-bearing deposits | 98,968,000 | 98,996,000 |
| Noninterest-bearing deposits | 18,427,000 | 19,390,000 |
| Equity capital | 14,573,000 | 14,957,000 |
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 | 1,845,000 | 3,719,000 |
| Interest expense | 681,000 | 1,364,000 |
| Net interest income | 1,164,000 | 2,355,000 |
| Noninterest income | 51,000 | 109,000 |
| Noninterest expense | 441,000 | 916,000 |
| Provision for loan losses | 0 | 0 |
| Pretax income | 767,000 | 1,551,000 |
| Income tax | 52,000 | 102,000 |
| Net income | 715,000 | 1,449,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Tier 1 capital | 14,573,000 | 14,957,000 |