Call reports 2025
TERRABANK, NATIONAL ASSOCIATION — 2025
What TERRABANK, NATIONAL ASSOCIATION 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 | 820,644,000 | 811,753,000 | 831,325,000 | 853,422,000 |
| Total loans | 513,510,000 | 521,239,000 | 538,948,000 | 567,017,000 |
| Allowance for loan losses | 7,169,000 | 7,167,000 | 7,461,000 | 7,639,000 |
| Securities available for sale | 202,929,000 | 198,321,000 | 188,693,000 | 194,767,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 750,624,000 | 737,051,000 | 750,465,000 | 771,188,000 |
| Interest-bearing deposits | 322,797,000 | 312,193,000 | 303,013,000 | 302,223,000 |
| Noninterest-bearing deposits | 427,827,000 | 424,858,000 | 447,452,000 | 468,965,000 |
| Equity capital | 64,362,000 | 68,786,000 | 72,601,000 | 75,814,000 |
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 | 8,455,000 | 17,091,000 | 26,066,000 | 35,300,000 |
| Interest expense | 2,113,000 | 4,174,000 | 6,185,000 | 8,164,000 |
| Net interest income | 6,342,000 | 12,917,000 | 19,881,000 | 27,136,000 |
| Noninterest income | 1,571,000 | 3,209,000 | 4,824,000 | 6,508,000 |
| Noninterest expense | 5,662,000 | 11,321,000 | 17,147,000 | 22,740,000 |
| Provision for loan losses | 0 | 0 | 293,000 | 472,000 |
| Pretax income | 2,259,000 | 4,740,000 | 7,206,000 | 10,375,000 |
| Income tax | 657,000 | 1,464,000 | 2,074,000 | 2,688,000 |
| Net income | 1,602,000 | 3,276,000 | 5,132,000 | 7,687,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 77,041,000 | 80,549,000 | 81,996,000 | 84,142,000 |
| Total capital | 83,071,000 | 87,640,000 | 88,493,000 | 90,852,000 |
| Risk-weighted assets | 481,407,000 | 509,073,000 | 518,886,000 | 535,988,000 |