Call reports 2026
SANDHILLS STATE BANK — 2026
What SANDHILLS STATE 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 | 374,791,000 | 382,766,000 |
| Total loans | 261,972,000 | 278,445,000 |
| Allowance for loan losses | 2,970,000 | 3,023,000 |
| Securities available for sale | 62,873,000 | 60,828,000 |
| Securities held to maturity | 0 | 0 |
| Trading assets | 0 | 0 |
| Total deposits | 339,914,000 | 347,118,000 |
| Interest-bearing deposits | 274,053,000 | 274,305,000 |
| Noninterest-bearing deposits | 65,861,000 | 72,813,000 |
| Equity capital | 33,331,000 | 33,929,000 |
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 | 4,766,000 | 9,721,000 |
| Interest expense | 1,255,000 | 2,557,000 |
| Net interest income | 3,511,000 | 7,164,000 |
| Noninterest income | 129,000 | 260,000 |
| Noninterest expense | 2,121,000 | 4,404,000 |
| Provision for loan losses | 0 | 53,000 |
| Pretax income | 1,517,000 | 2,968,000 |
| Income tax | 25,000 | 50,000 |
| Net income | 1,492,000 | 2,918,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Tier 1 capital | 30,824,000 | 31,201,000 |
| Total capital | 33,794,000 | 34,224,000 |
| Risk-weighted assets | 277,812,000 | 289,448,000 |