Call reports 2025
TOWN BANK, NATIONAL ASSOCIATION — 2025
What TOWN 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 | 4,248,047,000 | 4,392,074,000 | 4,563,808,000 | 4,511,450,000 |
| Total loans | 3,145,527,000 | 3,308,855,000 | 3,347,284,000 | 3,319,464,000 |
| Allowance for loan losses | 20,264,000 | 21,809,000 | 20,721,000 | 20,272,000 |
| Securities available for sale | 371,696,000 | 385,529,000 | 384,534,000 | 394,904,000 |
| Securities held to maturity | 384,965,000 | 379,043,000 | 372,702,000 | 364,308,000 |
| Trading assets | 11,645,000 | 11,178,000 | 11,070,000 | 10,048,000 |
| Total deposits | 3,506,030,000 | 3,655,031,000 | 3,800,009,000 | 3,714,842,000 |
| Interest-bearing deposits | 2,817,238,000 | 2,898,899,000 | 3,082,942,000 | 2,982,923,000 |
| Noninterest-bearing deposits | 688,792,000 | 756,132,000 | 717,067,000 | 731,919,000 |
| Equity capital | 414,113,000 | 428,439,000 | 449,616,000 | 465,492,000 |
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 | 53,956,000 | 108,804,000 | 166,945,000 | 222,257,000 |
| Interest expense | 23,046,000 | 46,787,000 | 71,933,000 | 95,047,000 |
| Net interest income | 30,910,000 | 62,017,000 | 95,012,000 | 127,210,000 |
| Noninterest income | 4,075,000 | 7,804,000 | 11,832,000 | 15,916,000 |
| Noninterest expense | 15,788,000 | 31,342,000 | 46,829,000 | 62,327,000 |
| Provision for loan losses | 2,390,000 | 4,208,000 | 3,758,000 | 4,441,000 |
| Pretax income | 17,009,000 | 35,084,000 | 56,625,000 | 75,201,000 |
| Income tax | 4,343,000 | 9,005,000 | 14,647,000 | 19,524,000 |
| Net income | 12,666,000 | 26,079,000 | 41,978,000 | 55,677,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 378,883,000 | 392,516,000 | 408,569,000 | 422,451,000 |
| Total capital | 403,167,000 | 417,740,000 | 433,214,000 | 448,206,000 |
| Risk-weighted assets | 3,506,726,000 | 3,630,842,000 | 3,696,002,000 | 3,713,257,000 |