Call reports 2026
VARO BANK, NATIONAL ASSOCIATION — 2026
What VARO BANK, NATIONAL ASSOCIATION 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 | 374,270,000 | 337,821,000 |
| Total loans | 100,670,000 | 97,077,000 |
| Allowance for loan losses | 9,560,000 | 9,691,000 |
| Securities available for sale | 30,607,000 | 29,820,000 |
| Securities held to maturity | 0 | 0 |
| Trading assets | 0 | 0 |
| Total deposits | 220,053,000 | 209,817,000 |
| Interest-bearing deposits | 97,313,000 | 92,582,000 |
| Noninterest-bearing deposits | 122,740,000 | 117,235,000 |
| Equity capital | 91,450,000 | 68,880,000 |
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 | 5,026,000 | 10,066,000 |
| Interest expense | 693,000 | 1,483,000 |
| Net interest income | 4,333,000 | 8,583,000 |
| Noninterest income | 36,246,000 | 73,175,000 |
| Noninterest expense | 55,815,000 | 112,953,000 |
| Provision for loan losses | 7,911,000 | 15,378,000 |
| Pretax income | -23,147,000 | -46,573,000 |
| Income tax | 0 | 0 |
| Net income | -23,147,000 | -46,573,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Tier 1 capital | 82,647,000 | 61,070,000 |