Call reports 2026
SPIRO STATE BANK — 2026
What SPIRO 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 | 123,275,000 | 129,923,000 |
| Total loans | 73,442,000 | 86,811,000 |
| Allowance for loan losses | 670,000 | 719,000 |
| Securities available for sale | 19,686,000 | 22,230,000 |
| Securities held to maturity | 0 | 0 |
| Trading assets | 0 | 0 |
| Total deposits | 108,698,000 | 104,672,000 |
| Interest-bearing deposits | 85,249,000 | 82,970,000 |
| Noninterest-bearing deposits | 23,449,000 | 21,702,000 |
| Equity capital | 14,257,000 | 24,948,000 |
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 | 1,616,000 | 3,471,000 |
| Interest expense | 603,000 | 1,225,000 |
| Net interest income | 1,013,000 | 2,246,000 |
| Noninterest income | 87,000 | 177,000 |
| Noninterest expense | 1,109,000 | 2,276,000 |
| Provision for loan losses | 75,000 | 125,000 |
| Pretax income | -84,000 | 22,000 |
| Income tax | 1,000 | 1,000 |
| Net income | -85,000 | 21,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Tier 1 capital | 10,256,000 | 21,049,000 |