Call reports 2025
PCSB BANK — 2025
What PCSB 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 | 324,166,000 | 318,393,000 | 326,943,000 | 337,224,000 |
| Total loans | 172,638,000 | 175,432,000 | 175,001,000 | 181,290,000 |
| Allowance for loan losses | 2,003,000 | 2,027,000 | 2,025,000 | 2,011,000 |
| Securities available for sale | 107,363,000 | 105,444,000 | 105,922,000 | 104,612,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 298,674,000 | 291,131,000 | 297,011,000 | 306,764,000 |
| Interest-bearing deposits | 250,527,000 | 247,168,000 | 251,452,000 | 238,834,000 |
| Noninterest-bearing deposits | 48,147,000 | 43,963,000 | 45,559,000 | 67,930,000 |
| Equity capital | 24,013,000 | 25,706,000 | 28,317,000 | 29,041,000 |
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 | 3,499,000 | 7,032,000 | 10,632,000 | 14,334,000 |
| Interest expense | 1,483,000 | 2,945,000 | 4,415,000 | 5,859,000 |
| Net interest income | 2,016,000 | 4,087,000 | 6,217,000 | 8,475,000 |
| Noninterest income | 311,000 | 562,000 | 807,000 | 1,060,000 |
| Noninterest expense | 1,728,000 | 3,525,000 | 5,309,000 | 7,101,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 599,000 | 1,124,000 | 1,715,000 | 2,434,000 |
| Income tax | 25,000 | 46,000 | 70,000 | 100,000 |
| Net income | 574,000 | 1,078,000 | 1,645,000 | 2,334,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 35,018,000 | 35,224,000 | 35,592,000 | 36,082,000 |