Call reports 2026
FNBC BANK AND TRUST — 2026
What FNBC BANK AND TRUST 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 | 580,357,000 | 581,583,000 |
| Total loans | 318,748,000 | 328,301,000 |
| Allowance for loan losses | 3,614,000 | 3,772,000 |
| Securities available for sale | 213,210,000 | 204,222,000 |
| Securities held to maturity | 0 | 0 |
| Trading assets | 0 | 0 |
| Total deposits | 523,015,000 | 525,116,000 |
| Interest-bearing deposits | 357,683,000 | 356,310,000 |
| Noninterest-bearing deposits | 165,332,000 | 168,806,000 |
| Equity capital | 54,826,000 | 54,015,000 |
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 | 5,922,000 | 12,100,000 |
| Interest expense | 1,383,000 | 2,763,000 |
| Net interest income | 4,539,000 | 9,337,000 |
| Noninterest income | 1,467,000 | 3,580,000 |
| Noninterest expense | 4,302,000 | 8,637,000 |
| Provision for loan losses | 0 | 150,000 |
| Pretax income | 1,704,000 | 4,547,000 |
| Income tax | 510,000 | 1,100,000 |
| Net income | 1,194,000 | 3,447,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Tier 1 capital | 59,188,000 | 58,441,000 |
| Total capital | 62,952,000 | 62,363,000 |
| Risk-weighted assets | 320,250,000 | 331,474,000 |