Call reports 2026
UPSTATE NATIONAL BANK, THE — 2026
What UPSTATE NATIONAL BANK, THE 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 | 285,172,000 | 294,807,000 |
| Total loans | 226,557,000 | 232,551,000 |
| Allowance for loan losses | 2,274,000 | 2,274,000 |
| Securities available for sale | 22,923,000 | 22,346,000 |
| Securities held to maturity | 10,000 | 10,000 |
| Trading assets | 0 | 0 |
| Total deposits | 199,377,000 | 208,830,000 |
| Interest-bearing deposits | 166,970,000 | 179,677,000 |
| Noninterest-bearing deposits | 32,407,000 | 29,153,000 |
| Equity capital | 28,796,000 | 28,845,000 |
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 | 3,691,000 | 7,714,000 |
| Interest expense | 2,198,000 | 4,530,000 |
| Net interest income | 1,493,000 | 3,184,000 |
| Noninterest income | 38,000 | 88,000 |
| Noninterest expense | 1,499,000 | 3,104,000 |
| Provision for loan losses | 0 | 0 |
| Pretax income | 32,000 | 168,000 |
| Income tax | 21,000 | 75,000 |
| Net income | 11,000 | 93,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Tier 1 capital | 29,507,000 | 29,620,000 |
| Total capital | 31,790,000 | 31,904,000 |
| Risk-weighted assets | 186,616,000 | 193,048,000 |