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 | 708,533,000 | 721,504,000 | 728,957,000 | 750,432,000 |
| Total loans | 479,869,000 | 490,233,000 | 500,426,000 | 511,529,000 |
| Allowance for loan losses | 8,182,000 | 8,285,000 | 8,571,000 | 8,796,000 |
| Securities available for sale | 150,359,000 | 150,177,000 | 156,901,000 | 155,196,000 |
| Securities held to maturity | 6,459,000 | 6,396,000 | 6,312,000 | 6,076,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 651,273,000 | 662,217,000 | 666,078,000 | 687,225,000 |
| Interest-bearing deposits | 464,348,000 | 470,695,000 | 479,929,000 | 500,821,000 |
| Noninterest-bearing deposits | 186,925,000 | 191,522,000 | 186,149,000 | 186,404,000 |
| Equity capital | 52,917,000 | 54,814,000 | 58,584,000 | 59,679,000 |
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 | 8,836,000 | 18,163,000 | 27,915,000 | 37,812,000 |
| Interest expense | 3,377,000 | 6,864,000 | 10,541,000 | 14,158,000 |
| Net interest income | 5,459,000 | 11,299,000 | 17,374,000 | 23,654,000 |
| Noninterest income | 1,306,000 | 2,461,000 | 3,648,000 | 4,795,000 |
| Noninterest expense | 4,343,000 | 8,842,000 | 13,582,000 | 18,616,000 |
| Provision for loan losses | 0 | 100,000 | 400,000 | 700,000 |
| Pretax income | 2,422,000 | 4,818,000 | 7,040,000 | 9,133,000 |
| Income tax | 579,000 | 1,155,000 | 1,669,000 | 2,159,000 |
| Net income | 1,843,000 | 3,663,000 | 5,371,000 | 6,974,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 59,438,000 | 61,500,000 | 63,451,000 | 64,097,000 |
| Total capital | 65,818,000 | 68,006,000 | 70,134,000 | 70,863,000 |
| Risk-weighted assets | 508,444,000 | 518,527,000 | 532,592,000 | 539,080,000 |