Call reports 2026
BANK OF HOLYROOD, THE — 2026
What BANK OF HOLYROOD, THE reported to the FFIEC in 2026, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Total assets | 69,263,000 | 69,766,000 |
| Total loans | 39,730,000 | 40,684,000 |
| Allowance for loan losses | 655,000 | 653,000 |
| Securities available for sale | 18,848,000 | 23,138,000 |
| Securities held to maturity | 0 | 0 |
| Trading assets | 0 | 0 |
| Total deposits | 58,329,000 | 58,877,000 |
| Interest-bearing deposits | 43,536,000 | 44,990,000 |
| Noninterest-bearing deposits | 14,793,000 | 13,887,000 |
| Equity capital | 10,705,000 | 10,710,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Interest income | 827,000 | 1,732,000 |
| Interest expense | 267,000 | 528,000 |
| Net interest income | 560,000 | 1,204,000 |
| Noninterest income | 5,000 | 11,000 |
| Noninterest expense | 320,000 | 658,000 |
| Provision for loan losses | 60,000 | 120,000 |
| Pretax income | 173,000 | 445,000 |
| Income tax | -4,000 | 6,000 |
| Net income | 177,000 | 439,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Tier 1 capital | 11,592,000 | 11,753,000 |
| Total capital | 12,128,000 | 12,300,000 |
| Risk-weighted assets | 42,726,000 | 43,661,000 |