Call reports 2025
METZ BANKING COMPANY — 2025
What METZ BANKING COMPANY 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 | 105,708,000 | 110,179,000 | 110,635,000 | 110,023,000 |
| Total loans | 75,495,000 | 77,352,000 | 75,725,000 | 75,711,000 |
| Allowance for loan losses | 790,000 | 800,000 | 800,000 | 770,000 |
| Securities available for sale | 15,931,000 | 15,518,000 | 18,493,000 | 19,579,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 94,071,000 | 98,257,000 | 98,090,000 | 97,244,000 |
| Interest-bearing deposits | 64,856,000 | 66,963,000 | 69,083,000 | 68,724,000 |
| Noninterest-bearing deposits | 29,215,000 | 31,294,000 | 29,007,000 | 28,520,000 |
| Equity capital | 11,226,000 | 11,506,000 | 12,077,000 | 12,271,000 |
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 | 1,379,000 | 2,845,000 | 4,359,000 | 5,872,000 |
| Interest expense | 558,000 | 1,096,000 | 1,652,000 | 2,198,000 |
| Net interest income | 821,000 | 1,749,000 | 2,707,000 | 3,674,000 |
| Noninterest income | 48,000 | 94,000 | 139,000 | 174,000 |
| Noninterest expense | 535,000 | 1,113,000 | 1,713,000 | 2,369,000 |
| Provision for loan losses | 0 | 10,000 | 10,000 | -20,000 |
| Pretax income | 331,000 | 719,000 | 1,052,000 | 1,391,000 |
| Income tax | 9,000 | 9,000 | 9,000 | 46,000 |
| Net income | 322,000 | 710,000 | 1,043,000 | 1,345,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,237,000 | 12,425,000 | 12,758,000 | 12,860,000 |