Call reports 2025
PBT BANCORP — 2025
What PBT BANCORP 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 | 345,007,000 | 334,128,000 | 353,959,000 | 379,360,000 |
| Total loans | 255,518,000 | 260,947,000 | 275,912,000 | 301,577,000 |
| Allowance for loan losses | 2,994,000 | 2,977,000 | 2,936,000 | 3,192,000 |
| Securities available for sale | 36,276,000 | 35,528,000 | 37,006,000 | 37,607,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 313,261,000 | 305,279,000 | 322,893,000 | 333,001,000 |
| Interest-bearing deposits | 251,175,000 | 242,786,000 | 256,917,000 | 267,549,000 |
| Noninterest-bearing deposits | 62,086,000 | 62,493,000 | 65,976,000 | 65,452,000 |
| Equity capital | 17,071,000 | 16,911,000 | 18,972,000 | 24,020,000 |
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 | 4,772,000 | 9,810,000 | 15,224,000 | 21,220,000 |
| Interest expense | 1,977,000 | 3,975,000 | 5,984,000 | 8,215,000 |
| Net interest income | 2,795,000 | 5,835,000 | 9,240,000 | 13,005,000 |
| Noninterest income | 386,000 | 851,000 | 1,716,000 | 10,248,000 |
| Noninterest expense | 2,782,000 | 5,839,000 | 8,853,000 | 12,687,000 |
| Provision for loan losses | 0 | 0 | 0 | 332,000 |
| Pretax income | 399,000 | 847,000 | 2,103,000 | 10,234,000 |
| Income tax | 72,000 | 130,000 | 444,000 | 2,488,000 |
| Net income | 327,000 | 717,000 | 1,659,000 | 7,746,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,251,000 | 29,640,000 | 30,582,000 | 35,169,000 |
| Total capital | 32,245,000 | 32,617,000 | 33,517,000 | 38,360,000 |
| Risk-weighted assets | 258,270,000 | 274,772,000 | 270,650,000 | 308,075,000 |