Call reports 2025
BETTER BANKS — 2025
What BETTER BANKS 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 | 431,415,000 | 427,419,000 | 438,485,000 | 433,168,000 |
| Total loans | 286,651,000 | 290,430,000 | 292,231,000 | 291,476,000 |
| Allowance for loan losses | 3,584,000 | 3,677,000 | 3,699,000 | 3,731,000 |
| Securities available for sale | 59,778,000 | 58,168,000 | 60,535,000 | 59,978,000 |
| Securities held to maturity | 59,058,000 | 59,309,000 | 59,393,000 | 57,861,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 397,491,000 | 392,727,000 | 401,762,000 | 394,804,000 |
| Interest-bearing deposits | 318,730,000 | 322,368,000 | 326,926,000 | 320,357,000 |
| Noninterest-bearing deposits | 78,761,000 | 70,359,000 | 74,836,000 | 74,447,000 |
| Equity capital | 30,631,000 | 31,484,000 | 33,336,000 | 35,036,000 |
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 | 4,814,000 | 9,702,000 | 14,813,000 | 19,979,000 |
| Interest expense | 1,402,000 | 2,745,000 | 4,057,000 | 5,316,000 |
| Net interest income | 3,412,000 | 6,957,000 | 10,756,000 | 14,663,000 |
| Noninterest income | 1,397,000 | 2,822,000 | 4,256,000 | 5,745,000 |
| Noninterest expense | 3,590,000 | 7,157,000 | 10,870,000 | 14,578,000 |
| Provision for loan losses | 135,000 | 320,000 | 465,000 | 685,000 |
| Pretax income | 995,000 | 2,040,000 | 3,108,000 | 4,278,000 |
| Income tax | 10,000 | 59,000 | 109,000 | 159,000 |
| Net income | 985,000 | 1,981,000 | 2,999,000 | 4,119,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 40,015,000 | 39,921,000 | 40,397,000 | 40,977,000 |
| Total capital | 43,763,000 | 43,722,000 | 44,234,000 | 44,814,000 |
| Risk-weighted assets | 299,848,000 | 304,029,000 | 306,920,000 | 306,852,000 |