Call report 2025Q4
LUMINATE BANK — 2025Q4
The 22 measures LUMINATE BANK reported to the FFIEC for 2025Q4, each linked to its source filing.
Balance sheet
What the bank holds and owes at quarter end
| Measure | Value | Unit | Source |
|---|---|---|---|
| Total assets | 511,047,000 | USD | evidence → |
| Total loans | 372,234,000 | USD | evidence → |
| Allowance for loan losses | 4,787,000 | USD | evidence → |
| Securities available for sale | 1,999,000 | USD | evidence → |
| Securities held to maturity | 0 | USD | evidence → |
| Trading assets | 0 | USD | evidence → |
| Total deposits | 431,804,000 | USD | evidence → |
| Interest-bearing deposits | 427,323,000 | USD | evidence → |
| Noninterest-bearing deposits | 4,481,000 | USD | evidence → |
| Equity capital | 48,766,000 | USD | evidence → |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | Value | Unit | Source |
|---|---|---|---|
| Interest income | 26,802,000 | USD | evidence → |
| Interest expense | 11,112,000 | USD | evidence → |
| Net interest income | 15,690,000 | USD | evidence → |
| Noninterest income | 131,410,000 | USD | evidence → |
| Noninterest expense | 128,404,000 | USD | evidence → |
| Provision for loan losses | 3,390,000 | USD | evidence → |
| Pretax income | 15,384,000 | USD | evidence → |
| Income tax | 102,000 | USD | evidence → |
| Net income | 15,282,000 | USD | evidence → |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | Value | Unit | Source |
|---|---|---|---|
| Tier 1 capital | 47,763,000 | USD | evidence → |
| Total capital | 52,537,000 | USD | evidence → |
| Risk-weighted assets | 381,920,000 | USD | evidence → |