Call reports 2025
OSB COMMUNITY BANK — 2025
What OSB COMMUNITY 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 | 351,696,000 | 346,761,000 | 354,214,000 | 362,554,000 |
| Total loans | 299,193,000 | 306,298,000 | 302,808,000 | 309,948,000 |
| Allowance for loan losses | 4,067,000 | 4,093,000 | 4,069,000 | 4,190,000 |
| Securities available for sale | 17,945,000 | 17,374,000 | 17,458,000 | 16,002,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 287,911,000 | 280,693,000 | 294,520,000 | 300,947,000 |
| Interest-bearing deposits | 257,484,000 | 255,266,000 | 270,961,000 | 275,339,000 |
| Noninterest-bearing deposits | 30,427,000 | 25,427,000 | 23,559,000 | 25,608,000 |
| Equity capital | 39,358,000 | 39,464,000 | 39,873,000 | 40,182,000 |
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 | 4,176,000 | 8,497,000 | 12,934,000 | 17,533,000 |
| Interest expense | 1,688,000 | 3,320,000 | 5,100,000 | 6,933,000 |
| Net interest income | 2,488,000 | 5,177,000 | 7,834,000 | 10,600,000 |
| Noninterest income | 183,000 | 466,000 | 700,000 | 946,000 |
| Noninterest expense | 2,072,000 | 4,235,000 | 6,392,000 | 8,634,000 |
| Provision for loan losses | -90,000 | -139,000 | -169,000 | -48,000 |
| Pretax income | 692,000 | 1,550,000 | 2,307,000 | 2,956,000 |
| Income tax | 193,000 | 434,000 | 653,000 | 838,000 |
| Net income | 499,000 | 1,116,000 | 1,654,000 | 2,118,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 40,503,000 | 40,681,000 | 40,674,000 | 40,964,000 |
| Total capital | 43,628,000 | 43,903,000 | 43,959,000 | 44,273,000 |
| Risk-weighted assets | 249,131,000 | 256,946,000 | 262,037,000 | 263,884,000 |