Call reports 2025
VALOR BANK — 2025
What VALOR 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 | 284,392,000 | 284,166,000 | 271,340,000 | 286,582,000 |
| Total loans | 247,074,000 | 247,734,000 | 236,112,000 | 250,762,000 |
| Allowance for loan losses | 2,142,000 | 2,131,000 | 2,131,000 | 2,190,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 250,697,000 | 253,154,000 | 245,699,000 | 244,203,000 |
| Interest-bearing deposits | 223,242,000 | 223,061,000 | 217,298,000 | 214,043,000 |
| Noninterest-bearing deposits | 27,455,000 | 30,093,000 | 28,401,000 | 30,160,000 |
| Equity capital | 22,092,000 | 22,753,000 | 24,028,000 | 25,217,000 |
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 | 4,800,000 | 9,862,000 | 14,972,000 | 19,996,000 |
| Interest expense | 1,998,000 | 4,002,000 | 5,906,000 | 7,732,000 |
| Net interest income | 2,802,000 | 5,860,000 | 9,066,000 | 12,264,000 |
| Noninterest income | 553,000 | 1,463,000 | 2,443,000 | 3,149,000 |
| Noninterest expense | 2,042,000 | 4,263,000 | 6,572,000 | 8,852,000 |
| Provision for loan losses | 158,000 | 147,000 | 147,000 | 206,000 |
| Pretax income | 1,189,000 | 2,933,000 | 4,810,000 | 6,315,000 |
| Income tax | 57,000 | 127,000 | 217,000 | 289,000 |
| Net income | 1,132,000 | 2,806,000 | 4,593,000 | 6,026,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,146,000 | 22,807,000 | 24,082,000 | 25,271,000 |
| Total capital | 24,383,000 | 25,047,000 | 26,322,000 | 27,630,000 |
| Risk-weighted assets | 200,505,000 | 200,410,000 | 193,605,000 | 210,319,000 |