Call reports 2026
STATE BANK OF COLD SPRING — 2026
What STATE BANK OF COLD SPRING 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 | 78,865,000 | 81,715,000 |
| Total loans | 45,825,000 | 47,502,000 |
| Allowance for loan losses | 334,000 | 334,000 |
| Securities available for sale | 14,782,000 | 15,794,000 |
| Securities held to maturity | 7,616,000 | 7,101,000 |
| Trading assets | 0 | 0 |
| Total deposits | 71,153,000 | 73,779,000 |
| Interest-bearing deposits | 46,692,000 | 50,272,000 |
| Noninterest-bearing deposits | 24,461,000 | 23,507,000 |
| Equity capital | 7,582,000 | 7,721,000 |
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 | 906,000 | 1,822,000 |
| Interest expense | 151,000 | 312,000 |
| Net interest income | 755,000 | 1,510,000 |
| Noninterest income | 85,000 | 170,000 |
| Noninterest expense | 515,000 | 1,041,000 |
| Provision for loan losses | 0 | 0 |
| Pretax income | 325,000 | 639,000 |
| Income tax | 0 | 0 |
| Net income | 325,000 | 639,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Tier 1 capital | 7,983,000 | 8,077,000 |
| Total capital | 8,317,000 | 8,411,000 |
| Risk-weighted assets | 39,890,000 | 41,226,000 |