Call reports 2025
ARMOR BANK — 2025
What ARMOR 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 | 468,721,000 | 468,782,000 | 487,110,000 | 481,563,000 |
| Total loans | 361,697,000 | 364,014,000 | 373,825,000 | 367,181,000 |
| Allowance for loan losses | 4,172,000 | 4,264,000 | 4,392,000 | 4,613,000 |
| Securities available for sale | 48,188,000 | 49,171,000 | 51,557,000 | 56,540,000 |
| Securities held to maturity | 1,000 | 1,000 | 1,000 | 1,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 428,810,000 | 427,698,000 | 421,464,000 | 438,077,000 |
| Interest-bearing deposits | 352,107,000 | 358,541,000 | 355,889,000 | 366,224,000 |
| Noninterest-bearing deposits | 76,703,000 | 69,157,000 | 65,575,000 | 71,853,000 |
| Equity capital | 37,866,000 | 39,029,000 | 40,312,000 | 41,804,000 |
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 | 6,146,000 | 12,570,000 | 19,385,000 | 26,314,000 |
| Interest expense | 2,567,000 | 5,088,000 | 7,597,000 | 9,964,000 |
| Net interest income | 3,579,000 | 7,482,000 | 11,788,000 | 16,350,000 |
| Noninterest income | 423,000 | 878,000 | 1,334,000 | 1,757,000 |
| Noninterest expense | 3,158,000 | 6,578,000 | 10,099,000 | 13,637,000 |
| Provision for loan losses | 120,000 | 210,000 | 340,000 | 560,000 |
| Pretax income | 724,000 | 1,572,000 | 2,683,000 | 3,463,000 |
| Income tax | 170,000 | 170,000 | 170,000 | 170,000 |
| Net income | 554,000 | 1,402,000 | 2,513,000 | 3,293,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 41,580,000 | 42,461,000 | 43,156,000 | 44,085,000 |
| Total capital | 45,860,000 | 46,833,000 | 47,656,000 | 48,622,000 |
| Risk-weighted assets | 358,932,000 | 372,516,000 | 378,512,000 | 362,797,000 |