Call reports 2025
NEEDHAM BANK — 2025
What NEEDHAM 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 | 5,128,842,000 | 5,126,269,000 | 5,358,176,000 | 6,926,702,000 |
| Total loans | 4,464,600,000 | 4,540,522,000 | 4,715,427,000 | 6,051,840,000 |
| Allowance for loan losses | 38,338,000 | 42,601,000 | 43,052,000 | 87,411,000 |
| Securities available for sale | 234,680,000 | 235,408,000 | 231,023,000 | 268,959,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 4,331,202,000 | 4,277,028,000 | 4,571,439,000 | 5,858,918,000 |
| Interest-bearing deposits | 3,693,437,000 | 3,617,649,000 | 3,949,245,000 | 5,020,204,000 |
| Noninterest-bearing deposits | 637,765,000 | 659,379,000 | 622,194,000 | 838,714,000 |
| Equity capital | 619,460,000 | 633,715,000 | 651,418,000 | 779,187,000 |
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 | 75,366,000 | 154,027,000 | 234,761,000 | 331,336,000 |
| Interest expense | 34,305,000 | 67,894,000 | 102,272,000 | 141,289,000 |
| Net interest income | 41,061,000 | 86,133,000 | 132,489,000 | 190,047,000 |
| Noninterest income | 3,876,000 | 8,040,000 | 11,591,000 | 15,571,000 |
| Noninterest expense | 28,511,000 | 56,782,000 | 86,016,000 | 131,049,000 |
| Provision for loan losses | 947,000 | 5,191,000 | 6,232,000 | 4,677,000 |
| Pretax income | 15,268,000 | 33,072,000 | 52,349,000 | 69,916,000 |
| Income tax | 4,275,000 | 8,147,000 | 12,742,000 | 20,362,000 |
| Net income | 10,993,000 | 24,925,000 | 39,607,000 | 49,554,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 625,176,000 | 639,135,000 | 653,844,000 | 742,881,000 |
| Total capital | 666,928,000 | 684,067,000 | 699,582,000 | 791,298,000 |
| Risk-weighted assets | 4,834,945,000 | 4,851,462,000 | 5,020,198,000 | 6,394,861,000 |
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