Call reports 2026
FLORA BANK & TRUST — 2026
What FLORA BANK & TRUST 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 | 124,809,000 | 125,990,000 |
| Total loans | 64,345,000 | 62,338,000 |
| Allowance for loan losses | 240,000 | 232,000 |
| Securities available for sale | 35,339,000 | 34,854,000 |
| Securities held to maturity | 0 | 0 |
| Trading assets | 0 | 0 |
| Total deposits | 116,459,000 | 117,223,000 |
| Interest-bearing deposits | 101,621,000 | 103,196,000 |
| Noninterest-bearing deposits | 14,838,000 | 14,027,000 |
| Equity capital | 7,837,000 | 8,059,000 |
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 | 1,364,000 | 2,781,000 |
| Interest expense | 551,000 | 1,112,000 |
| Net interest income | 813,000 | 1,669,000 |
| Noninterest income | 168,000 | 359,000 |
| Noninterest expense | 636,000 | 1,269,000 |
| Provision for loan losses | 6,000 | 12,000 |
| Pretax income | 336,000 | 744,000 |
| Income tax | 79,000 | 175,000 |
| Net income | 257,000 | 569,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Tier 1 capital | 11,014,000 | 11,324,000 |
| Total capital | 11,270,000 | 11,572,000 |
| Risk-weighted assets | 76,221,000 | 74,275,000 |