Call reports 2025
NATIONAL BANK OF COMMERCE — 2025
What NATIONAL BANK OF COMMERCE 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 | 2,101,428,000 | 2,146,975,000 | 2,228,319,000 | 2,208,754,000 |
| Total loans | 1,651,919,000 | 1,696,337,000 | 1,660,684,000 | 1,665,906,000 |
| Allowance for loan losses | 15,737,000 | 16,394,000 | 16,407,000 | 16,058,000 |
| Securities available for sale | 250,053,000 | 284,230,000 | 329,323,000 | 355,886,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,805,047,000 | 1,802,331,000 | 1,870,025,000 | 1,846,579,000 |
| Interest-bearing deposits | 1,438,991,000 | 1,449,834,000 | 1,528,286,000 | 1,507,245,000 |
| Noninterest-bearing deposits | 366,056,000 | 352,497,000 | 341,739,000 | 339,334,000 |
| Equity capital | 192,266,000 | 199,091,000 | 206,756,000 | 213,807,000 |
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 | 29,977,000 | 61,184,000 | 94,835,000 | 128,683,000 |
| Interest expense | 10,186,000 | 20,491,000 | 31,904,000 | 42,880,000 |
| Net interest income | 19,791,000 | 40,693,000 | 62,931,000 | 85,803,000 |
| Noninterest income | 2,182,000 | 5,042,000 | 7,590,000 | 10,071,000 |
| Noninterest expense | 12,380,000 | 24,635,000 | 37,593,000 | 50,871,000 |
| Provision for loan losses | 403,000 | 1,069,000 | 1,609,000 | 2,000,000 |
| Pretax income | 9,092,000 | 19,514,000 | 30,743,000 | 42,302,000 |
| Income tax | 494,000 | 1,076,000 | 1,691,000 | 2,390,000 |
| Net income | 8,598,000 | 18,438,000 | 29,052,000 | 39,912,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 180,159,000 | 183,744,000 | 189,250,000 | 194,987,000 |
| Total capital | 195,926,000 | 200,139,000 | 205,717,000 | 211,235,000 |
| Risk-weighted assets | 1,771,832,000 | 1,816,165,000 | 1,790,171,000 | 1,821,978,000 |