Call reports 2026
VALLEY BANK OF RONAN — 2026
What VALLEY BANK OF RONAN 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 | 209,928,000 | 218,062,000 |
| Total loans | 144,329,000 | 150,387,000 |
| Allowance for loan losses | 2,313,000 | 2,299,000 |
| Securities available for sale | 0 | 0 |
| Securities held to maturity | 20,983,000 | 22,449,000 |
| Trading assets | 0 | 0 |
| Total deposits | 189,818,000 | 197,644,000 |
| Interest-bearing deposits | 114,921,000 | 122,784,000 |
| Noninterest-bearing deposits | 74,897,000 | 74,860,000 |
| Equity capital | 19,621,000 | 20,106,000 |
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 | 2,791,000 | 5,751,000 |
| Interest expense | 641,000 | 1,326,000 |
| Net interest income | 2,150,000 | 4,425,000 |
| Noninterest income | 220,000 | 447,000 |
| Noninterest expense | 1,741,000 | 3,589,000 |
| Provision for loan losses | 30,000 | 60,000 |
| Pretax income | 599,000 | 1,223,000 |
| Income tax | 210,000 | 349,000 |
| Net income | 389,000 | 874,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Tier 1 capital | 19,173,000 | 19,735,000 |
| Total capital | 20,943,000 | 21,665,000 |
| Risk-weighted assets | 141,095,000 | 154,072,000 |