Call reports 2026
FREDONIA VALLEY BANK — 2026
What FREDONIA VALLEY BANK 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 | 120,354,000 | 119,766,000 |
| Total loans | 72,789,000 | 73,180,000 |
| Allowance for loan losses | 1,113,000 | 1,120,000 |
| Securities available for sale | 22,643,000 | 22,629,000 |
| Securities held to maturity | 0 | 0 |
| Trading assets | 0 | 0 |
| Total deposits | 106,054,000 | 105,450,000 |
| Interest-bearing deposits | 78,930,000 | 81,053,000 |
| Noninterest-bearing deposits | 27,124,000 | 24,397,000 |
| Equity capital | 11,408,000 | 11,299,000 |
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 | 1,523,000 | 3,116,000 |
| Interest expense | 489,000 | 988,000 |
| Net interest income | 1,034,000 | 2,128,000 |
| Noninterest income | 93,000 | 198,000 |
| Noninterest expense | 840,000 | 1,636,000 |
| Provision for loan losses | 0 | 0 |
| Pretax income | 287,000 | 690,000 |
| Income tax | 31,000 | 139,000 |
| Net income | 256,000 | 551,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Tier 1 capital | 13,938,000 | 13,783,000 |