Call reports 2026
UNIVERSAL BANK — 2026
What UNIVERSAL BANK 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 | 373,408,000 | 388,009,000 |
| Total loans | 256,657,000 | 261,579,000 |
| Allowance for loan losses | 2,761,000 | 2,822,000 |
| Securities available for sale | 81,407,000 | 89,365,000 |
| Securities held to maturity | 948,000 | 890,000 |
| Trading assets | 0 | 0 |
| Total deposits | 278,512,000 | 275,101,000 |
| Interest-bearing deposits | 250,514,000 | 246,872,000 |
| Noninterest-bearing deposits | 27,998,000 | 28,229,000 |
| Equity capital | 66,833,000 | 66,778,000 |
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 | 4,560,000 | 9,309,000 |
| Interest expense | 2,003,000 | 4,081,000 |
| Net interest income | 2,557,000 | 5,228,000 |
| Noninterest income | 187,000 | 387,000 |
| Noninterest expense | 2,264,000 | 4,682,000 |
| Provision for loan losses | 25,000 | 75,000 |
| Pretax income | 455,000 | 858,000 |
| Income tax | 101,000 | 186,000 |
| Net income | 354,000 | 672,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Tier 1 capital | 67,696,000 | 68,016,000 |