Call reports 2026
LUMINATE BANK — 2026
What LUMINATE 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 | 517,341,000 | 554,513,000 |
| Total loans | 418,291,000 | 453,564,000 |
| Allowance for loan losses | 4,222,000 | 4,381,000 |
| Securities available for sale | 0 | 0 |
| Securities held to maturity | 0 | 0 |
| Trading assets | 0 | 0 |
| Total deposits | 421,011,000 | 412,749,000 |
| Interest-bearing deposits | 412,785,000 | 405,479,000 |
| Noninterest-bearing deposits | 8,226,000 | 7,270,000 |
| Equity capital | 51,741,000 | 54,585,000 |
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 | 7,667,000 | 17,104,000 |
| Interest expense | 3,367,000 | 8,334,000 |
| Net interest income | 4,300,000 | 8,770,000 |
| Noninterest income | 37,706,000 | 81,259,000 |
| Noninterest expense | 37,516,000 | 81,138,000 |
| Provision for loan losses | 402,000 | 699,000 |
| Pretax income | 4,088,000 | 8,192,000 |
| Income tax | 88,000 | 105,000 |
| Net income | 4,000,000 | 8,087,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Tier 1 capital | 50,771,000 | 53,666,000 |
| Total capital | 55,050,000 | 58,105,000 |
| Risk-weighted assets | 388,558,000 | 421,434,000 |