Call reports 2025
FNBT BANK — 2025
What FNBT BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 600,632,000 | 610,094,000 | 614,467,000 | 635,442,000 |
| Total loans | 263,040,000 | 262,518,000 | 266,035,000 | 258,458,000 |
| Allowance for loan losses | 4,139,000 | 4,027,000 | 4,013,000 | 3,662,000 |
| Securities available for sale | 1,000 | 0 | 0 | 0 |
| Securities held to maturity | 137,572,000 | 158,447,000 | 158,376,000 | 123,237,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 530,258,000 | 539,189,000 | 543,087,000 | 565,842,000 |
| Interest-bearing deposits | 383,337,000 | 383,286,000 | 402,832,000 | 428,252,000 |
| Noninterest-bearing deposits | 146,921,000 | 155,903,000 | 140,255,000 | 137,590,000 |
| Equity capital | 67,715,000 | 67,858,000 | 68,821,000 | 67,952,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 7,887,000 | 15,926,000 | 24,222,000 | 32,225,000 |
| Interest expense | 2,579,000 | 5,259,000 | 8,098,000 | 10,727,000 |
| Net interest income | 5,308,000 | 10,667,000 | 16,124,000 | 21,498,000 |
| Noninterest income | 1,419,000 | 2,715,000 | 3,700,000 | 4,642,000 |
| Noninterest expense | 3,694,000 | 7,407,000 | 10,922,000 | 14,501,000 |
| Provision for loan losses | -251,000 | -380,000 | -392,000 | -777,000 |
| Pretax income | 3,266,000 | 6,409,000 | 9,372,000 | 12,503,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 3,266,000 | 6,409,000 | 9,372,000 | 12,503,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 67,715,000 | 67,858,000 | 68,821,000 | 67,952,000 |
| Total capital | 71,100,000 | 71,126,000 | 72,094,000 | 71,091,000 |
| Risk-weighted assets | 269,709,000 | 260,426,000 | 260,875,000 | 250,366,000 |