Call reports 2025
ROUND TOP STATE BANK — 2025
What ROUND TOP STATE BANK 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 | 888,264,000 | 914,727,000 | 946,440,000 | 943,297,000 |
| Total loans | 571,157,000 | 576,118,000 | 585,533,000 | 586,145,000 |
| Allowance for loan losses | 5,209,000 | 5,207,000 | 5,235,000 | 5,348,000 |
| Securities available for sale | 228,359,000 | 231,793,000 | 244,267,000 | 280,143,000 |
| Securities held to maturity | 5,705,000 | 5,651,000 | 5,591,000 | 5,554,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 800,210,000 | 823,935,000 | 847,914,000 | 844,084,000 |
| Interest-bearing deposits | 604,754,000 | 627,043,000 | 641,008,000 | 652,364,000 |
| Noninterest-bearing deposits | 195,456,000 | 196,892,000 | 206,906,000 | 191,720,000 |
| Equity capital | 85,233,000 | 88,198,000 | 95,609,000 | 96,652,000 |
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 | 10,213,000 | 21,037,000 | 32,243,000 | 43,869,000 |
| Interest expense | 4,262,000 | 8,615,000 | 13,011,000 | 17,485,000 |
| Net interest income | 5,951,000 | 12,422,000 | 19,232,000 | 26,384,000 |
| Noninterest income | 444,000 | 890,000 | 1,338,000 | 1,762,000 |
| Noninterest expense | 3,641,000 | 7,354,000 | 10,957,000 | 14,692,000 |
| Provision for loan losses | 0 | 15,000 | 46,000 | 158,000 |
| Pretax income | 2,754,000 | 5,943,000 | 9,507,000 | 13,146,000 |
| Income tax | 496,000 | 1,086,000 | 1,755,000 | 2,428,000 |
| Net income | 2,258,000 | 4,857,000 | 7,752,000 | 10,718,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 107,439,000 | 109,830,000 | 112,669,000 | 113,116,000 |