Call reports 2025
CONSTITUTION BANK, NATIONAL ASSOCIATION — 2025
What CONSTITUTION BANK, 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 | 646,213,000 | 652,736,000 | 674,603,000 | 659,873,000 |
| Total loans | 453,390,000 | 468,871,000 | 467,384,000 | 470,795,000 |
| Allowance for loan losses | 5,357,000 | 5,786,000 | 5,802,000 | 5,935,000 |
| Securities available for sale | 151,561,000 | 145,074,000 | 152,803,000 | 152,620,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 593,576,000 | 598,191,000 | 616,559,000 | 598,603,000 |
| Interest-bearing deposits | 501,998,000 | 509,612,000 | 528,562,000 | 515,222,000 |
| Noninterest-bearing deposits | 91,578,000 | 88,579,000 | 87,997,000 | 83,381,000 |
| Equity capital | 49,741,000 | 52,509,000 | 55,800,000 | 58,819,000 |
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 | 7,537,000 | 15,496,000 | 23,911,000 | 32,369,000 |
| Interest expense | 2,757,000 | 5,534,000 | 8,549,000 | 11,441,000 |
| Net interest income | 4,780,000 | 9,962,000 | 15,362,000 | 20,928,000 |
| Noninterest income | 620,000 | 1,200,000 | 1,860,000 | 2,438,000 |
| Noninterest expense | 3,122,000 | 6,223,000 | 9,634,000 | 13,329,000 |
| Provision for loan losses | 213,000 | 633,000 | 645,000 | 770,000 |
| Pretax income | 2,062,000 | 4,380,000 | 7,035,000 | 9,326,000 |
| Income tax | 603,000 | 1,248,000 | 2,005,000 | 2,362,000 |
| Net income | 1,459,000 | 3,132,000 | 5,030,000 | 6,964,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 61,368,000 | 63,041,000 | 64,939,000 | 66,874,000 |