Call reports 2025
FNB COMMUNITY BANK — 2025
What FNB COMMUNITY BANK 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 | 482,385,000 | 474,129,000 | 471,439,000 | 475,264,000 |
| Total loans | 270,281,000 | 266,874,000 | 271,392,000 | 281,542,000 |
| Allowance for loan losses | 5,748,000 | 5,818,000 | 5,871,000 | 5,958,000 |
| Securities available for sale | 139,764,000 | 133,989,000 | 123,795,000 | 123,834,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 437,340,000 | 428,388,000 | 423,173,000 | 426,386,000 |
| Interest-bearing deposits | 323,841,000 | 315,526,000 | 309,920,000 | 312,439,000 |
| Noninterest-bearing deposits | 113,499,000 | 112,862,000 | 113,253,000 | 113,947,000 |
| Equity capital | 42,069,000 | 42,595,000 | 44,624,000 | 45,361,000 |
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 | 5,139,000 | 10,405,000 | 15,664,000 | 20,847,000 |
| Interest expense | 1,210,000 | 2,397,000 | 3,581,000 | 4,685,000 |
| Net interest income | 3,929,000 | 8,008,000 | 12,083,000 | 16,162,000 |
| Noninterest income | 530,000 | 1,125,000 | 2,027,000 | 2,682,000 |
| Noninterest expense | 3,640,000 | 7,263,000 | 10,984,000 | 14,655,000 |
| Provision for loan losses | 75,000 | 150,000 | 225,000 | 300,000 |
| Pretax income | 799,000 | 1,785,000 | 2,654,000 | 3,464,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 799,000 | 1,785,000 | 2,654,000 | 3,464,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 51,788,000 | 51,383,000 | 51,506,000 | 51,570,000 |
| Total capital | 55,272,000 | 54,970,000 | 55,152,000 | 55,361,000 |
| Risk-weighted assets | 276,187,000 | 284,426,000 | 288,813,000 | 300,314,000 |