Call reports 2026
VALLEY CENTRAL BANK — 2026
What VALLEY CENTRAL 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 | 187,507,000 | 186,737,000 |
| Total loans | 138,790,000 | 142,406,000 |
| Allowance for loan losses | 1,792,000 | 1,792,000 |
| Securities available for sale | 11,980,000 | 11,272,000 |
| Securities held to maturity | 0 | 0 |
| Trading assets | 0 | 0 |
| Total deposits | 147,008,000 | 145,965,000 |
| Interest-bearing deposits | 119,967,000 | 118,540,000 |
| Noninterest-bearing deposits | 27,041,000 | 27,425,000 |
| Equity capital | 37,888,000 | 38,140,000 |
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 | 2,254,000 | 4,584,000 |
| Interest expense | 790,000 | 1,537,000 |
| Net interest income | 1,464,000 | 3,047,000 |
| Noninterest income | 146,000 | 358,000 |
| Noninterest expense | 1,463,000 | 3,011,000 |
| Provision for loan losses | 0 | 0 |
| Pretax income | 145,000 | 392,000 |
| Income tax | 20,000 | 63,000 |
| Net income | 125,000 | 329,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Tier 1 capital | 37,822,000 | 38,036,000 |