Call reports 2025
NSB BANK — 2025
What NSB 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 | 469,684,000 | 470,503,000 | 469,430,000 | 468,647,000 |
| Total loans | 330,501,000 | 337,669,000 | 332,540,000 | 344,560,000 |
| Allowance for loan losses | 3,564,000 | 3,588,000 | 3,488,000 | 2,988,000 |
| Securities available for sale | 100,170,000 | 98,049,000 | 96,429,000 | 90,507,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 405,212,000 | 405,275,000 | 401,669,000 | 400,169,000 |
| Interest-bearing deposits | 326,201,000 | 331,234,000 | 326,985,000 | 324,232,000 |
| Noninterest-bearing deposits | 79,011,000 | 74,041,000 | 74,684,000 | 75,937,000 |
| Equity capital | 34,511,000 | 35,594,000 | 38,020,000 | 38,547,000 |
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 | 5,558,000 | 11,111,000 | 16,837,000 | 22,572,000 |
| Interest expense | 2,544,000 | 5,113,000 | 7,529,000 | 9,900,000 |
| Net interest income | 3,014,000 | 5,998,000 | 9,308,000 | 12,672,000 |
| Noninterest income | 381,000 | 805,000 | 1,219,000 | 1,650,000 |
| Noninterest expense | 1,888,000 | 3,923,000 | 5,832,000 | 8,054,000 |
| Provision for loan losses | 30,000 | 105,000 | 180,000 | 255,000 |
| Pretax income | 1,477,000 | 2,775,000 | 4,515,000 | 5,866,000 |
| Income tax | -12,000 | 38,000 | 107,000 | 166,000 |
| Net income | 1,489,000 | 2,737,000 | 4,408,000 | 5,700,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 37,969,000 | 37,994,000 | 38,715,000 | 38,606,000 |
| Total capital | 41,532,000 | 41,582,000 | 42,203,000 | 41,594,000 |
| Risk-weighted assets | 348,694,000 | 354,769,000 | 350,615,000 | 362,059,000 |