Call reports 2025
UNITED REPUBLIC BANK — 2025
What UNITED REPUBLIC 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 | 214,756,000 | 207,822,000 | 201,300,000 | 197,172,000 |
| Total loans | 156,755,000 | 153,638,000 | 150,852,000 | 149,203,000 |
| Allowance for loan losses | 1,745,000 | 2,466,000 | 2,811,000 | 2,900,000 |
| Securities available for sale | 21,110,000 | 20,543,000 | 19,658,000 | 18,584,000 |
| Securities held to maturity | 6,000 | 6,000 | 6,000 | 5,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 171,197,000 | 167,676,000 | 161,126,000 | 156,233,000 |
| Interest-bearing deposits | 159,934,000 | 155,469,000 | 147,313,000 | 142,427,000 |
| Noninterest-bearing deposits | 11,263,000 | 12,207,000 | 13,813,000 | 13,806,000 |
| Equity capital | 27,381,000 | 26,688,000 | 26,608,000 | 25,519,000 |
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 | 2,901,000 | 5,705,000 | 8,702,000 | 11,391,000 |
| Interest expense | 1,884,000 | 3,564,000 | 5,190,000 | 6,677,000 |
| Net interest income | 1,017,000 | 2,141,000 | 3,512,000 | 4,714,000 |
| Noninterest income | 83,000 | -270,000 | -130,000 | -331,000 |
| Noninterest expense | 1,151,000 | 2,359,000 | 3,801,000 | 5,179,000 |
| Provision for loan losses | 620,000 | 1,339,000 | 1,680,000 | 2,768,000 |
| Pretax income | -681,000 | -1,843,000 | -2,104,000 | -3,561,000 |
| Income tax | 16,000 | -369,000 | -451,000 | -717,000 |
| Net income | -697,000 | -1,474,000 | -1,653,000 | -2,844,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,421,000 | 22,579,000 | 22,410,000 | 21,229,000 |