Call reports 2025
VARO BANK, NATIONAL ASSOCIATION — 2025
What VARO BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 355,299,000 | 281,880,000 | 275,528,000 | 376,185,000 |
| Total loans | 85,135,000 | 83,951,000 | 87,510,000 | 95,714,000 |
| Allowance for loan losses | 4,885,000 | 5,994,000 | 7,135,000 | 8,789,000 |
| Securities available for sale | 45,498,000 | 44,048,000 | 42,949,000 | 32,166,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 214,653,000 | 161,185,000 | 159,701,000 | 211,419,000 |
| Interest-bearing deposits | 115,339,000 | 45,799,000 | 47,591,000 | 62,218,000 |
| Noninterest-bearing deposits | 99,314,000 | 115,386,000 | 112,110,000 | 149,201,000 |
| Equity capital | 87,547,000 | 69,490,000 | 53,787,000 | 94,666,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 4,488,000 | 8,909,000 | 13,313,000 | 17,894,000 |
| Interest expense | 1,113,000 | 1,716,000 | 2,104,000 | 2,545,000 |
| Net interest income | 3,375,000 | 7,193,000 | 11,209,000 | 15,349,000 |
| Noninterest income | 34,536,000 | 68,641,000 | 101,035,000 | 135,496,000 |
| Noninterest expense | 59,438,000 | 112,558,000 | 167,368,000 | 217,925,000 |
| Provision for loan losses | 3,526,000 | 8,628,000 | 15,862,000 | 24,682,000 |
| Pretax income | -25,053,000 | -45,352,000 | -70,986,000 | -91,762,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -25,053,000 | -45,352,000 | -70,986,000 | -91,762,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 78,331,000 | 59,468,000 | 43,097,000 | 84,828,000 |
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