Call reports 2026
ST. CLAIR COUNTY STATE BANK — 2026
What ST. CLAIR COUNTY STATE BANK reported to the FFIEC in 2026, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Total assets | 226,584,000 | 231,753,000 |
| Total loans | 169,024,000 | 178,481,000 |
| Allowance for loan losses | 2,164,000 | 2,237,000 |
| Securities available for sale | 5,447,000 | 5,895,000 |
| Securities held to maturity | 18,183,000 | 17,150,000 |
| Trading assets | 0 | 0 |
| Total deposits | 195,001,000 | 195,689,000 |
| Interest-bearing deposits | 152,430,000 | 150,430,000 |
| Noninterest-bearing deposits | 42,571,000 | 45,259,000 |
| Equity capital | 30,173,000 | 30,808,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Interest income | 3,276,000 | 6,701,000 |
| Interest expense | 1,039,000 | 2,072,000 |
| Net interest income | 2,237,000 | 4,629,000 |
| Noninterest income | 124,000 | 247,000 |
| Noninterest expense | 1,018,000 | 2,023,000 |
| Provision for loan losses | 75,000 | 150,000 |
| Pretax income | 1,268,000 | 2,703,000 |
| Income tax | 287,000 | 624,000 |
| Net income | 981,000 | 2,079,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Tier 1 capital | 30,169,000 | 30,801,000 |