Call report 2025Q4
COMMENCEMENT BANK — 2025Q4
The 22 measures COMMENCEMENT 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 | 683,058,000 | USD | evidence → |
| Total loans | 524,350,000 | USD | evidence → |
| Allowance for loan losses | 6,292,000 | USD | evidence → |
| Securities available for sale | 82,845,000 | USD | evidence → |
| Securities held to maturity | 0 | USD | evidence → |
| Trading assets | 0 | USD | evidence → |
| Total deposits | 610,362,000 | USD | evidence → |
| Interest-bearing deposits | 431,271,000 | USD | evidence → |
| Noninterest-bearing deposits | 179,091,000 | USD | evidence → |
| Equity capital | 59,966,000 | 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 | 34,724,000 | USD | evidence → |
| Interest expense | 9,194,000 | USD | evidence → |
| Net interest income | 25,530,000 | USD | evidence → |
| Noninterest income | 1,943,000 | USD | evidence → |
| Noninterest expense | 18,177,000 | USD | evidence → |
| Provision for loan losses | 831,000 | USD | evidence → |
| Pretax income | 8,353,000 | USD | evidence → |
| Income tax | 1,637,000 | USD | evidence → |
| Net income | 6,716,000 | USD | evidence → |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | Value | Unit | Source |
|---|---|---|---|
| Tier 1 capital | 67,601,000 | USD | evidence → |
| Total capital | 74,292,000 | USD | evidence → |
| Risk-weighted assets | 557,072,000 | USD | evidence → |