Call reports 2025
KEEN BANK, NATIONAL ASSOCIATION — 2025
What KEEN BANK, NATIONAL ASSOCIATION 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 | 190,912,000 | 187,504,000 | 189,459,000 | 199,472,000 |
| Total loans | 136,619,000 | 136,605,000 | 142,044,000 | 146,754,000 |
| Allowance for loan losses | 1,817,000 | 1,866,000 | 1,865,000 | 1,861,000 |
| Securities available for sale | 23,467,000 | 23,510,000 | 23,685,000 | 23,802,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 173,314,000 | 169,382,000 | 170,834,000 | 180,471,000 |
| Interest-bearing deposits | 144,339,000 | 139,180,000 | 140,368,000 | 149,195,000 |
| Noninterest-bearing deposits | 28,975,000 | 30,202,000 | 30,466,000 | 31,276,000 |
| Equity capital | 14,778,000 | 15,404,000 | 15,966,000 | 16,111,000 |
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 | 2,654,000 | 5,473,000 | 8,385,000 | 11,429,000 |
| Interest expense | 664,000 | 1,326,000 | 2,000,000 | 2,687,000 |
| Net interest income | 1,990,000 | 4,147,000 | 6,385,000 | 8,742,000 |
| Noninterest income | 221,000 | 445,000 | 749,000 | 1,044,000 |
| Noninterest expense | 1,495,000 | 2,911,000 | 4,353,000 | 6,052,000 |
| Provision for loan losses | 0 | 50,000 | 50,000 | 50,000 |
| Pretax income | 716,000 | 1,631,000 | 2,552,000 | 3,406,000 |
| Income tax | 48,000 | 88,000 | 151,000 | 280,000 |
| Net income | 668,000 | 1,543,000 | 2,401,000 | 3,126,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,344,000 | 15,770,000 | 15,977,000 | 15,902,000 |
| Total capital | 16,935,000 | 17,389,000 | 17,585,000 | 17,577,000 |
| Risk-weighted assets | 127,094,000 | 129,298,000 | 128,415,000 | 133,890,000 |