Call reports 2025
FNB BANK, INC. — 2025
What FNB BANK, INC. 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 | 266,092,000 | 265,698,000 | 272,961,000 | 273,991,000 |
| Total loans | 197,973,000 | 203,942,000 | 207,103,000 | 207,512,000 |
| Allowance for loan losses | 2,140,000 | 2,099,000 | 2,096,000 | 2,154,000 |
| Securities available for sale | 37,115,000 | 37,402,000 | 37,929,000 | 36,577,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 231,702,000 | 230,503,000 | 235,808,000 | 241,558,000 |
| Interest-bearing deposits | 184,567,000 | 183,468,000 | 190,467,000 | 195,812,000 |
| Noninterest-bearing deposits | 47,135,000 | 47,035,000 | 45,341,000 | 45,746,000 |
| Equity capital | 23,133,000 | 23,480,000 | 24,808,000 | 24,824,000 |
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 | 3,218,000 | 6,563,000 | 10,028,000 | 13,817,000 |
| Interest expense | 1,035,000 | 2,132,000 | 3,251,000 | 4,349,000 |
| Net interest income | 2,183,000 | 4,431,000 | 6,777,000 | 9,468,000 |
| Noninterest income | 392,000 | 848,000 | 1,302,000 | 1,725,000 |
| Noninterest expense | 2,000,000 | 4,008,000 | 6,005,000 | 8,078,000 |
| Provision for loan losses | 32,000 | 118,000 | 221,000 | 290,000 |
| Pretax income | 543,000 | 1,153,000 | 1,853,000 | 2,825,000 |
| Income tax | 102,000 | 217,000 | 353,000 | 551,000 |
| Net income | 441,000 | 936,000 | 1,500,000 | 2,274,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,051,000 | 27,546,000 | 28,110,000 | 28,091,000 |