Call reports 2025
WNB FINANCIAL, NATIONAL ASSOCIATION — 2025
What WNB FINANCIAL, 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 | 547,810,000 | 556,843,000 | 561,137,000 | 584,998,000 |
| Total loans | 336,290,000 | 351,419,000 | 358,298,000 | 352,236,000 |
| Allowance for loan losses | 4,179,000 | 4,289,000 | 4,379,000 | 4,332,000 |
| Securities available for sale | 66,636,000 | 70,718,000 | 67,481,000 | 64,703,000 |
| Securities held to maturity | 70,597,000 | 69,115,000 | 67,580,000 | 66,184,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 477,942,000 | 490,877,000 | 492,785,000 | 515,491,000 |
| Interest-bearing deposits | 378,366,000 | 401,748,000 | 399,160,000 | 416,384,000 |
| Noninterest-bearing deposits | 99,576,000 | 89,129,000 | 93,625,000 | 99,107,000 |
| Equity capital | 54,551,000 | 55,492,000 | 57,392,000 | 58,719,000 |
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 | 5,730,000 | 12,046,000 | 18,325,000 | 24,942,000 |
| Interest expense | 1,879,000 | 3,952,000 | 5,802,000 | 7,796,000 |
| Net interest income | 3,851,000 | 8,094,000 | 12,523,000 | 17,146,000 |
| Noninterest income | 1,382,000 | 2,639,000 | 3,996,000 | 5,353,000 |
| Noninterest expense | 4,274,000 | 8,432,000 | 12,403,000 | 16,612,000 |
| Provision for loan losses | 15,000 | 105,000 | 215,000 | 167,000 |
| Pretax income | 944,000 | 2,196,000 | 3,901,000 | 5,612,000 |
| Income tax | 232,000 | 546,000 | 970,000 | 1,321,000 |
| Net income | 712,000 | 1,650,000 | 2,931,000 | 4,291,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 56,998,000 | 57,535,000 | 58,370,000 | 59,214,000 |