Call reports 2026
FIRST STATE BANK OF MIDDLEBURY — 2026
What FIRST STATE BANK OF MIDDLEBURY 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 | 811,763,000 | 836,222,000 |
| Total loans | 641,837,000 | 658,852,000 |
| Allowance for loan losses | 10,765,000 | 10,854,000 |
| Securities available for sale | 126,441,000 | 126,833,000 |
| Securities held to maturity | 0 | 0 |
| Trading assets | 0 | 0 |
| Total deposits | 650,532,000 | 651,327,000 |
| Interest-bearing deposits | 527,158,000 | 526,237,000 |
| Noninterest-bearing deposits | 123,374,000 | 125,090,000 |
| Equity capital | 93,157,000 | 97,148,000 |
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 | 11,203,000 | 22,762,000 |
| Interest expense | 3,186,000 | 6,460,000 |
| Net interest income | 8,017,000 | 16,302,000 |
| Noninterest income | 1,237,000 | 2,709,000 |
| Noninterest expense | 5,288,000 | 10,897,000 |
| Provision for loan losses | 115,000 | 181,000 |
| Pretax income | 3,848,000 | 7,906,000 |
| Income tax | 680,000 | 1,383,000 |
| Net income | 3,168,000 | 6,523,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Tier 1 capital | 110,044,000 | 112,449,000 |
| Total capital | 118,394,000 | 121,024,000 |
| Risk-weighted assets | 665,438,000 | 683,603,000 |