Call reports 2025
BANK OF SOUTH TEXAS — 2025
What BANK OF SOUTH TEXAS 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 | 159,107,000 | 160,901,000 | 160,945,000 | 167,747,000 |
| Total loans | 107,356,000 | 111,125,000 | 110,834,000 | 116,097,000 |
| Allowance for loan losses | 1,305,000 | 1,345,000 | 1,414,000 | 1,445,000 |
| Securities available for sale | 19,262,000 | 20,722,000 | 20,272,000 | 16,869,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 128,540,000 | 129,460,000 | 129,079,000 | 135,464,000 |
| Interest-bearing deposits | 79,352,000 | 79,708,000 | 79,701,000 | 85,457,000 |
| Noninterest-bearing deposits | 49,188,000 | 49,752,000 | 49,378,000 | 50,007,000 |
| Equity capital | 29,189,000 | 29,992,000 | 30,319,000 | 30,920,000 |
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 | 3,122,000 | 6,418,000 | 9,760,000 | 13,016,000 |
| Interest expense | 639,000 | 1,235,000 | 1,816,000 | 2,430,000 |
| Net interest income | 2,483,000 | 5,183,000 | 7,944,000 | 10,586,000 |
| Noninterest income | 202,000 | 397,000 | 592,000 | 788,000 |
| Noninterest expense | 1,880,000 | 3,795,000 | 5,790,000 | 7,855,000 |
| Provision for loan losses | 5,000 | 45,000 | 115,000 | 145,000 |
| Pretax income | 800,000 | 1,740,000 | 2,631,000 | 3,374,000 |
| Income tax | 165,000 | 359,000 | 541,000 | 691,000 |
| Net income | 635,000 | 1,381,000 | 2,090,000 | 2,683,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,718,000 | 26,465,000 | 26,713,000 | 27,306,000 |