Call reports 2026
FIRST OPTION BANK — 2026
What FIRST OPTION 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 | 786,352,000 | 817,581,000 |
| Total loans | 483,605,000 | 485,911,000 |
| Allowance for loan losses | 4,496,000 | 3,504,000 |
| Securities available for sale | 102,340,000 | 113,865,000 |
| Securities held to maturity | 159,005,000 | 156,512,000 |
| Trading assets | 0 | 0 |
| Total deposits | 681,943,000 | 722,092,000 |
| Interest-bearing deposits | 534,700,000 | 563,959,000 |
| Noninterest-bearing deposits | 147,243,000 | 158,133,000 |
| Equity capital | 51,606,000 | 53,163,000 |
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 | 9,145,000 | 18,673,000 |
| Interest expense | 3,149,000 | 6,434,000 |
| Net interest income | 5,996,000 | 12,239,000 |
| Noninterest income | 2,656,000 | 5,384,000 |
| Noninterest expense | 5,429,000 | 11,195,000 |
| Provision for loan losses | 150,000 | 434,000 |
| Pretax income | 3,057,000 | 5,931,000 |
| Income tax | 34,000 | 135,000 |
| Net income | 3,023,000 | 5,796,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Tier 1 capital | 63,969,000 | 65,424,000 |
| Total capital | 68,628,000 | 69,108,000 |
| Risk-weighted assets | 400,602,000 | 415,033,000 |