Call reports 2025
ONE COMMUNITY BANK — 2025
What ONE COMMUNITY 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 | 2,188,804,000 | 2,233,566,000 | 2,534,283,000 | 2,551,420,000 |
| Total loans | 1,847,787,000 | 1,884,294,000 | 2,122,459,000 | 2,162,483,000 |
| Allowance for loan losses | 18,624,000 | 19,186,000 | 21,565,000 | 21,959,000 |
| Securities available for sale | 161,997,000 | 167,566,000 | 190,678,000 | 188,826,000 |
| Securities held to maturity | 73,822,000 | 71,130,000 | 69,807,000 | 65,280,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,704,255,000 | 1,742,229,000 | 1,989,972,000 | 2,016,308,000 |
| Interest-bearing deposits | 1,400,390,000 | 1,448,849,000 | 1,609,920,000 | 1,648,468,000 |
| Noninterest-bearing deposits | 303,865,000 | 293,380,000 | 380,052,000 | 367,840,000 |
| Equity capital | 241,249,000 | 247,622,000 | 312,252,000 | 318,326,000 |
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 | 28,429,000 | 58,258,000 | 100,205,000 | 135,562,000 |
| Interest expense | 13,473,000 | 27,196,000 | 44,090,000 | 58,321,000 |
| Net interest income | 14,956,000 | 31,062,000 | 56,115,000 | 77,241,000 |
| Noninterest income | 1,602,000 | 3,195,000 | 5,843,000 | 7,902,000 |
| Noninterest expense | 10,300,000 | 20,712,000 | 34,685,000 | 47,189,000 |
| Provision for loan losses | 437,000 | 994,000 | 1,173,000 | 1,686,000 |
| Pretax income | 5,708,000 | 12,410,000 | 26,066,000 | 36,117,000 |
| Income tax | 1,127,000 | 2,449,000 | 5,219,000 | 7,305,000 |
| Net income | 4,581,000 | 9,961,000 | 20,847,000 | 28,812,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 243,140,000 | 249,109,000 | 313,353,000 | 318,707,000 |