Call reports 2026
PHELPS COUNTY BANK — 2026
What PHELPS COUNTY 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 | 616,678,000 | 621,719,000 |
| Total loans | 448,681,000 | 470,239,000 |
| Allowance for loan losses | 4,337,000 | 4,465,000 |
| Securities available for sale | 56,156,000 | 51,187,000 |
| Securities held to maturity | 4,000,000 | 4,000,000 |
| Trading assets | 0 | 0 |
| Total deposits | 558,701,000 | 565,513,000 |
| Interest-bearing deposits | 456,695,000 | 463,220,000 |
| Noninterest-bearing deposits | 102,006,000 | 102,293,000 |
| Equity capital | 49,766,000 | 48,551,000 |
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 | 8,224,000 | 16,649,000 |
| Interest expense | 1,927,000 | 3,928,000 |
| Net interest income | 6,297,000 | 12,721,000 |
| Noninterest income | 1,389,000 | 2,725,000 |
| Noninterest expense | 5,416,000 | 10,959,000 |
| Provision for loan losses | 120,000 | 240,000 |
| Pretax income | 2,150,000 | 4,222,000 |
| Income tax | 0 | 0 |
| Net income | 2,150,000 | 4,222,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Tier 1 capital | 56,534,000 | 55,606,000 |
| Total capital | 61,071,000 | 60,296,000 |
| Risk-weighted assets | 402,612,000 | 426,775,000 |