Bank call report · Saginaw, MI
1st State Bank Call Report
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1st State Bank filed its latest call report for the quarter ended June 30, 2026 on the FFIEC 051. Below are its 319 reported line items, schedule by schedule (750 items filed as zero are left out). The official PDF is on the FFIEC Central Data Repository.
| Call report form | FFIEC 051 |
|---|---|
| Latest quarter filed | Q2 2026 (June 30, 2026) |
| Federal Reserve RSSD ID | 3223305 |
| FDIC certificate number | 57626 |
| Total assets | $490.1M |
Official Q2 2026 call report PDF (FFIEC) →
1st State Bank call report by schedule, Q2 2026
Dollar amounts are as filed, in the units the form uses. Each line item links to its definition; each schedule links to the full schedule reference for the FFIEC 051.
Schedule RC: Balance Sheet (24 items)
About Schedule RC · 1st State Bank balance sheet trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Assets | RCON2170 | $490.1M |
| Total Liabilities, Limited-life Preferred Stock, and Equity Capital | RCON3300 | $490.1M |
| Total Liabilities and Minority Interest | RCON2948 | $431.4M |
| Total Deposits | RCON2200 | $428.8M |
| Loans and Leases, Net of Unearned Income - Totals | RCONB528 | $322.2M |
| Loans and Leases, Net of Unearned Income and Allowance | RCONB529 | $317.0M |
| Total Interest-bearing Deposits in Foreign and Domestic Offices | RCON6636 | $262.9M |
| Deposits: Noninterest-bearing | RCON6631 | $165.8M |
| Interest-bearing Balances | RCON0071 | $67.9M |
| Available-for-sale debt securities (from Schedule RC-B, column D) | RCON1773 | $61.5M |
| Total Equity Capital | RCON3210 | $58.7M |
| Total Equity Capital Including Noncontrolling Minority Interests in Consolidated Subsidiaries | RCONG105 | $58.7M |
| Surplus | RCON3839 | $37.2M |
| Undivided Profits and Capital Reserves | RCON3632 | $16.5M |
| Other Assets | RCON2160 | $14.6M |
| Premises and Fixed Assets (Including Capitalized Leases) | RCON2145 | $13.5M |
| Noninterest-bearing Balances and Currency and Coin | RCON0081 | $12.6M |
| Common Stock | RCON3230 | $6.0M |
| Allowance for Loan and Lease Losses | RCON3123 | $5.2M |
| Other Liabilities, Total | RCON2930 | $2.6M |
| Intangible Assets | RCON2143 | $1.4M |
| Loans and Leases Held for Sale | RCON5369 | $1.2M |
| Accumulated Other Comprehensive Income | RCONB530 | -$1.1M |
| Other Real Estate Owned | RCON2150 | $405K |
Schedule RI: Income Statement (35 items)
About Schedule RI · 1st State Bank income statement trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Interest Income | RIAD4107 | $12.8M |
| Interest and Fee Income on Loans, Total | RIAD4010 | $10.6M |
| Net Interest Income | RIAD4074 | $9.6M |
| Total Noninterest Expense | RIAD4093 | $6.4M |
| Interest and Fee Income on All Other Loans Secured by Real Estate | RIAD4436 | $5.5M |
| Income (Loss) Before Applicable Income Taxes and Discontinued Operations | RIAD4301 | $4.1M |
| Income (loss) before change in net unrealized holding gains (losses) on equity securities not held for trading, applicable income taxes, and discontinued operations operations (item 3 plus or minus items 4, 5.m, 6.a, 6.b, and 7.e) | RIADHT69 | $4.1M |
| Interest and Fee Income on Commercial and Industrial Loans | RIAD4012 | $4.0M |
| Salaries and Employee Benefits | RIAD4135 | $3.6M |
| Income (Loss) Before Discontinued Operations | RIAD4300 | $3.3M |
| Net Income (Loss) | RIAD4340 | $3.3M |
| Net Income (Loss) Attributable to Bank and Noncontrolling Minority Interests | RIADG104 | $3.3M |
| Total Interest Expense | RIAD4073 | $3.2M |
| Savings Deposits (Including Mmdas) | RIAD0093 | $2.3M |
| Other Noninterest Expense | RIAD4092 | $2.2M |
| Interest Income on Balances Due from Depository Institutions | RIAD4115 | $1.3M |
| Interest and Fee Income on Loans Secured by 1-4 Family Residential Properties | RIAD4435 | $1.1M |
| Total Noninterest Income | RIAD4079 | $897K |
| Interest and Dividend Income on Securities: U.S. Treasury Securities and U.S. Government Agency Obligations (Excluding Mortgage-backed Securities) | RIADB488 | $841K |
| Applicable Income Taxes | RIAD4302 | $839K |
| Expenses of Premises and Fixed Assets | RIAD4217 | $594K |
| Other Noninterest Income | RIADB497 | $582K |
| Interest on Transaction Accounts (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) | RIAD4508 | $458K |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of More Than 250000 | RIADHK04 | $235K |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of 250000 or Less | RIADHK03 | $197K |
| Net Gains (Losses) on Sales of Loans | RIAD5416 | $183K |
| Service Charges on Deposit Accounts in Domestic Offices | RIAD4080 | $168K |
| Interest and Dividend Income on Securities: Mortgage-backed Securities | RIADB489 | $62K |
| Net Servicing Fees | RIADB492 | -$36K |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADB486 | $23K |
| Other Interest Income | RIAD4518 | $19K |
| Provision for Loan and Lease Losses | RIAD4230 | $9K |
| Interest on Other Securities | RIAD4060 | $2K |
| Other Interest Expense | RIADGW44 | $2K |
| Number of Full Time Equivalent Employees on Payroll at End of Current Period | RIAD4150 | 75 |
Schedule RC-B: Securities (19 items)
About Schedule RC-B · 1st State Bank securities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Mortgage-backed Securities (MBS): Other Residential MBS (Include Cmos, REMICS, and Stripped MBS): Issued or Guaranteed by FNMA, FHLMC, or GNMA - Available-for-sale Amortized Cost | RCONG314 | $2.2M |
| Mortgage-backed Securities (MBS): Other Residential MBS (Include Cmos, REMICS, and Stripped MBS): Issued or Guaranteed by FNMA, FHLMC, or GNMA - Available-for-sale Fair Value | RCONG315 | $1.9M |
| Total Amortized Cost of Available-for-sale Securities | RCON1772 | $62.9M |
| Pledged Securities | RCON0416 | $57.0M |
| Amortized Cost of Available-for-sale U.S. Treasury Securities | RCON1286 | $48.9M |
| Fair Value of Available-for-sale U.S. Treasury Securities | RCON1287 | $48.5M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONA551 | $24.8M |
| Fixed Rate and Floating Rate Debt Securities with a Remaining Maturity of One Year or Less | RCONA248 | $23.8M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONA550 | $17.5M |
| Mortgage backed securities (MBS), Issued or guarnteed by FNMA, FHLMC, or GNMA, Available for sale, Amortized Cost | RCONHT56 | $7.2M |
| Mortgage backed securities (MBS), Issued or guarnteed by FNMA, FHLMC, or GNMA, Available for sale, Fair Value | RCONHT57 | $6.6M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Five Years Through 15 Years | RCONA559 | $6.5M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Three Months of Less | RCONA549 | $6.2M |
| US government agency obligations (exclude mortgage-backed securities), Available for sale, Amortized Cost | RCONHT52 | $4.6M |
| US government agency obligations (exclude mortgage-backed securities), Available for sale, Fair Value | RCONHT53 | $4.5M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Years Through Five Years | RCONA552 | $4.4M |
| OTHER MORTGAGE-BACKED SECURITIES (INCLUDE CMOs, REMICs, AND STRIPPED MBS) WITH AN EXPECTED AVERAGE LIFE OF THREE YEARS OR LESS | RCONA561 | $1.3M |
| OTHER MORTGAGE-BACKED SECURITIES (INCLUDE CMOs, REMICs, AND STRIPPED MBS) WITH AN EXPECTED AVERAGE LIFE OF OVER THREE YEARS | RCONA562 | $621K |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONA556 | $21K |
Schedule RC-C, Part I: Loans and Leases (31 items)
About Schedule RC-C, Part I · 1st State Bank loans and leases trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Loans and Leases, Net of Unearned Income | RCON2122 | $323.4M |
| Commercial and Industrial Loans | RCON1766 | $107.4M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Years Through Five Years | RCONA573 | $106.4M |
| Pledged Loans and Leases | RCONG378 | $98.2M |
| Loans Secured by Owner Occupied Nonfarm Nonresidential Properties | RCONF160 | $95.6M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Three Months or Less | RCONA570 | $84.0M |
| Fixed Rate and Floating Rate Loans and Leases with a Remaining Maturity of One Year or Less | RCONA247 | $76.5M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over One Year Through Three Years | RCONA572 | $64.3M |
| Loans Secured by Other Nonfarm Nonresidential Properties. | RCONF161 | $55.5M |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by First Liens | RCON5367 | $28.7M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Months Through 12 Months | RCONA571 | $21.5M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Five Years Through 15 Years | RCONA574 | $17.7M |
| Adjustable Rate Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties | RCON5370 | $17.6M |
| Loans Secured by Other Construction Loans and All Land Development and Other Land Loans | RCONF159 | $15.7M |
| Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit | RCON1797 | $9.9M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over One Year Through Three Years | RCONA566 | $9.6M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Three Months or Less | RCONA564 | $9.2M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Years Through Five Years | RCONA567 | $6.2M |
| Real Estate Loans Secured by Multi-family (5 or More) Residential Properties | RCON1460 | $4.4M |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by Junior Liens | RCON5368 | $2.4M |
| Loans Secured by 1-4 Family Residential Construction | RCONF158 | $2.1M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over 15 Years | RCONA569 | $1.5M |
| Real Estate Loans Secured by Farmland | RCON1420 | $1.2M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Months Through 12 Months | RCONA565 | $1.2M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Five Years Through 15 Years | RCONA568 | $712K |
| Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper): Other Revolving Credit Plans | RCONB539 | $244K |
| Loans Secured by 1-4 Family Residential Properties in Domestic Offices in Process of Foreclosure (Included in Rc-c, Part I, Items 1.C.(1), 1.C.(2)(A), and 1.C.(2)(B) | RCONF577 | $159K |
| Other Loans | RCONJ464 | $155K |
| Automobile Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper) | RCONK137 | $9K |
| Other Consumer Loans to Individuals for Household, Family, and Other Personal Expenditures (Includes Single Payment, Installment, and All Student Loans) | RCONK207 | $2K |
| Unearned Income on Loans | RCON2123 | $1K |
Schedule RC-C, Part II: Loans to Small Businesses and Small Farms (16 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5569 | $55.6M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5575 | $30.4M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5573 | $14.5M |
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5567 | $14.4M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5571 | $8.6M |
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5565 | $3.6M |
| Amount Currently Outstanding of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $250,000 Through $500,000 | RCON5583 | $1.1M |
| Amount Currently Outstanding of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5579 | $80K |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5570 | 341 |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5572 | 172 |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5574 | 159 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5568 | 155 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5566 | 114 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5564 | 84 |
| Number of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $250,000 Through $500,000 | RCON5582 | 3 |
| Number of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5578 | 2 |
Schedule RC-E: Deposit Liabilities (25 items)
About Schedule RC-E · 1st State Bank deposit liabilities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Transaction Accounts | RCON2215 | $253.7M |
| Total Transaction Accounts - Deposits of Individuals, Partnerships, and Corporation | RCONB549 | $223.4M |
| Total Demand Deposits (See Note Below) | RCON2210 | $179.5M |
| Total Nontransaction Accounts (Including Mmda's) | RCON2385 | $175.1M |
| Total Nontransaction Accounts Deposits of Individuals, Partnerships, and Corporations | RCONB550 | $149.7M |
| Money Market Deposit Accounts (Mmda's) | RCON6810 | $141.0M |
| Total reciprocal deposits | RCONJH83 | $39.7M |
| Total Transaction Accounts - Deposits of States and Political Subdivisions in the U.S. | RCON2203 | $30.3M |
| Total Nontransaction Accounts of States and Political Subdivisions in the U.S. | RCON2530 | $25.3M |
| Sweep deposits: Fully insured, non-affiliate sweep deposits | RCONMT91 | $21.9M |
| Total sweep deposits that are not brokered deposits | RCONMT95 | $21.9M |
| Other Nontransaction Savings Deposits (Excludes Mmda's) | RCON0352 | $15.8M |
| Time Deposits of 250000 or Less with a Remaining Maturity of One Year or Less | RCONHK11 | $11.1M |
| Components of Total Nontransaction Accounts: Total Time Deposits of More Than $250,000 | RCONJ474 | $7.0M |
| Time Deposits of More Than $250,000 with a Remaining Maturity of One or Year Less | RCONK222 | $7.0M |
| Components of Total Nontransaction Accounts: Total Time Deposits of $100,000 Through $250,000 | RCONJ473 | $6.5M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONHK07 | $6.3M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONHK08 | $4.9M |
| Total Time Deposits of Less Than $100,000 | RCON6648 | $4.7M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONHK12 | $3.6M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONHK13 | $3.5M |
| All Time and Savings Deposits Held in IRA and Keogh Plan Accounts | RCON6835 | $653K |
| Individual Retirement Accounts (Iras) and Keogh Plan Accounts Included in Memorandum Item 2.C, 'Total Time Deposits of $100,000 or More,' Above | RCONF233 | $304K |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONHK09 | $36K |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over Three Years | RCONHK10 | $25K |
Schedule RC-F: Other Assets (6 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Life Insurance Assets: General Account Life Insurance Assets | RCONK201 | $10.4M |
| Accrued Interest Receivable | RCONB556 | $1.5M |
| Historical Cost of All Other Available-for-sale Equity Securities | RCON1752 | $1.1M |
| Other Assets | RCON2168 | $928K |
| Prepaid Expenses | RCON2166 | $730K |
| Net Deferred Tax Assets | RCON2148 | $690K |
Schedule RC-G: Other Liabilities (6 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Other Expenses Accrued and Unpaid | RCON3646 | $1.3M |
| All Other Liabilities | RCON2938 | $836K |
| Accounts Payable | RCON3066 | $526K |
| Interest Accrued and Unpaid on Deposits (in Domestic Offices) | RCON3645 | $313K |
| Allowance for Credit Losses on Off-balance Sheet Credit Exposures | RCONB557 | $171K |
| Deferred Compensation Liabilities | RCONC011 | $7K |
Schedule RC-K: Quarterly Averages (14 items)
About Schedule RC-K · 1st State Bank quarterly averages trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Quarterly Average of Total Assets | RCON3368 | $487.5M |
| Quarterly Average of Total Loans | RCON3360 | $321.0M |
| Nontransaction Accounts in Domestic Offices: Savings Deposits | RCONB563 | $170.7M |
| Quarterly Average of All Other Loans Secured by Real Estate | RCON3466 | $169.9M |
| Quarterly Average of Commercial and Industrial Loans | RCON3387 | $119.1M |
| Transaction Accounts (in Domestic Offices) (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) - Quarterly Average | RCON3485 | $74.0M |
| Quarterly Average of Interest-bearing Balances Due from Depository Institutions | RCON3381 | $69.6M |
| U.S. Treasury Securities and U.S. Government Agency Obligations (Excluding Mortgage-backed Securities) | RCONB558 | $55.6M |
| Quarterly Average of Loans Secured by 1-4 Family Residential Properties | RCON3465 | $31.5M |
| Liabilities, Nontransaction Accounts, Time Deposits of 250000 or Less | RCONHK16 | $11.5M |
| Mortgage-backed Securities | RCONB559 | $9.7M |
| Liabilities, Nontransaction Accounts, Time Deposits of More Than 250000 | RCONHK17 | $8.0M |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Other | RCONB562 | $314K |
| All Other Securities | RCONB560 | $99K |
Schedule RC-L: Derivatives and Off-Balance-Sheet Items (8 items)
About Schedule RC-L · 1st State Bank derivatives and off-balance-sheet items trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Other Unused Commitments: Commercial and Industrial Loans | RCONJ457 | $129.0M |
| Commercial Real Estate, Other Construction Loan and Land Development Loan Commitments | RCONF165 | $49.5M |
| Unused Commitments - Credit Card Lines | RCON3815 | $20.4M |
| Unused Commitments - Revolving, Open-end Lines Secured by 1-4 Family Residential Properties | RCON3814 | $9.8M |
| Total Gross Notional Amount of Interest Rate Derivative Contracts Held for Purposes Other Than Trading: Contracts Marked to Market | RCON8725 | $5.8M |
| Financial Standby Letters of Credit and Foreign Office Guarantees | RCON3819 | $2.4M |
| 1-4 Family Residential Construction Loan Commitments | RCONF164 | $2.0M |
| Other Unused Commitments: All Other Unused Commitments | RCONJ459 | $651K |
Schedule RC-M: Memoranda (5 items)
About Schedule RC-M · 1st State Bank memoranda trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Aggregate Amount of All Extensions of Credit to All Executive Officers, Directors, Principal Shareholders, and Their Related Interests | RCON6164 | $9.8M |
| Estimated Fair Value of Mortgage Servicing Assets | RCONA590 | $2.2M |
| Mortgage Servicing Assets | RCON3164 | $1.4M |
| All Other Real Estate Owned: Nonfarm Nonresidential Properties in Domestic Offices | RCON5512 | $405K |
| Number of Executive Officers, Directors, and Principal Shareholders to Whom the Amount of All Extensions of Credit by the Reporting Bank (Including Extensions of Credit to Related Interests) Equals or Exceeds the Lesser of $500,000 or 5 Percent of Total Capital as Defined for This Purpose in Agency Regulations | RCON6165 | 3 |
Schedule RC-N: Past Due and Nonaccrual Loans, Leases, and Other Assets (20 items)
About Schedule RC-N · 1st State Bank past due and nonaccrual loans, leases, and other assets trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Loans and Lease Finance Receivables: Nonaccrual | RCON1403 | $1.1M |
| Commercial and Industrial Loans - Nonaccrual | RCON1608 | $661K |
| Total Loans and Lease Financing Receivables: Past Due 30-89 Days and Still Accruing | RCON1406 | $630K |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens-past Due 30 Thru 89 Days and Still Accruing | RCONC236 | $461K |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens-nonaccural | RCONC229 | $324K |
| Loans and Leases Reported in the Past Due and Nonaccrual Loans, Leases and Other Assets Which Are Wholly or Partially Guaranteed by the U.S. Government , Excluding Loans and Leases Covered by Loss-sharing Agreements with the FDIC - Nonaccrual | RCONK038 | $258K |
| Guaranteed Portion of Loans and Leases Included in Item 10, Excluding Rebooked 'Gnma Loans' : Nonaccrual | RCONK041 | $186K |
| Nonaccrual Assets Sold During the Quarter | RCONC411 | $150K |
| Loans Secured by Owner-occupied Nonfarm Nonresidential Properties, 30-89 Days Past Due | RCONF178 | $110K |
| Additions to Nonaccrual Assets | RCONC410 | $88K |
| Loans Secured by Other Nonfarm Nonresidential Properties, Nonaccrual | RCONF183 | $88K |
| Loans and Leases Reported in the Past Due and Nonaccrual Loans, Leases and Other Assets Which Are Wholly or Partially Guaranteed by the U.S. Government , Excluding Loans and Leases Covered by Loss-sharing Agreements with the FDIC - Past Due 30 Through 89 Days and Still Accruing | RCONK036 | $77K |
| Guaranteed Portion of Loans and Leases Included in Item 10, Excluding Rebooked 'Gnma Loans' Past Due 30 Through 89 Days and Still Accruing | RCONK039 | $58K |
| Commercial and Industrial Loans - Past Due 30-89 Days and Still Accruing | RCON1606 | $47K |
| Loans Secured by 1-4 Family Residential Properties: Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit - Nonaccrual | RCON5400 | $21K |
| Total Loans and Lease Financing Receivables: Past Due 90 Days or More and Still Accruing | RCON1407 | $21K |
| Commercial and Industrial Loans - Past Due 90 Days or More and Still Accruing | RCON1607 | $17K |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by Junior Liens-past Due 30 Thru 89 Days and Still Accruing | RCONC238 | $12K |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Other - Past Due 90 Days or More and Still Accruing | RCONK217 | $4K |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Other - Nonaccrual | RCONK218 | $1K |
Schedule RC-O: Other Data for Deposit Insurance Assessments (10 items)
About Schedule RC-O · 1st State Bank other data for deposit insurance assessments trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average Consolidated Total Assets for the Calendar Quarter | RCONK652 | $487.5M |
| Total Deposit Liabilities as Defined in Section 3(1) of the Federal Deposit Insurance Act Before Exclusions | RCONF236 | $429.1M |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF051 | $269.2M |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of $250,000 or Less | RCONF049 | $159.2M |
| Average Tangible Equity for the Calendar Quarter | RCONK654 | $59.3M |
| Amount of Retirement Deposits Accounts of $250,000 or Less | RCONF045 | $653K |
| Number of Deposit Accounts (Excluding Retirement Accounts)of $250,000 or Less | RCONF050 | 5,953 |
| Number of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF052 | 333 |
| Number of Retirement Deposit Accounts of $250,000 or Less | RCONF046 | 45 |
| Averaging Method Used | RCONK653 | 1 |
Schedule RC-P: 1-4 Family Residential Mortgage Banking Activities (2 items)
Schedule RC-R: Regulatory Capital (2 items)
About Schedule RC-R · 1st State Bank regulatory capital trends
Schedule RC-R, Part I: Regulatory Capital Components and Ratios (21 items)
About Schedule RC-R, Part I · 1st State Bank regulatory capital components and ratios trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average Total Assets (Net of Deductions) | RCOAA224 | $487.5M |
| Average total consolidated assets | RCOAKW03 | $487.5M |
| Risk-weighted Assets (Net of Allowances and Other Deductions) | RCOAA223 | $399.7M |
| Total Qualifying Capital Allowable Under the Risk-based Capital Guidelines | RCOA3792 | $64.8M |
| Common Equity Tier 1 Capital | RCOAP859 | $59.8M |
| Subtotal of Common Equity Tier 1 Capital: Adjustments and Deductions | RCOAP852 | $59.8M |
| Tier 1 Capital Allowable Under the Risk-based Capital Guidelines | RCOA8274 | $59.8M |
| Common Equity Tier 1 Capital Before Adjustments and Deductions | RCOAP840 | $58.7M |
| Common Equity Tier 1 Capital: Common Stock Plus Related Surplus, Net of Treasury Stock and Unearned Employee Stock Ownership Plan (ESOP) Shares | RCOAP742 | $43.3M |
| Retained Earnings | RCOAKW00 | $16.5M |
| General Loan and Lease Valuation Allowances | RCOA5310 | $5.0M |
| Tier 2 (Supplementary) Capital | RCOA5311 | $5.0M |
| Tier 2 Capital Before Deductions | RCOAP870 | $5.0M |
| Accumulated Other Comprehensive Income | RCOAB530 | -$1.1M |
| Less: Net Unrealized Gains (Losses) on Available-for-sale Debt Securities (If a Gain, Report as a Positive Value, If a Loss, Report as a Negative Value) | RCOAP844 | -$1.1M |
| A. AOCI Opt-out Election (Enter '1' for Yes, Enter '0' for No.) | RCOAP838 | 1 |
| Total Risk-based Capital Ratio | RCOA7205 | 0.1622 |
| Common Equity Tier 1 Capital Ratio | RCOAP793 | 0.1497 |
| Tier 1 Risk-based Capital Ratio | RCOA7206 | 0.1497 |
| Tier 1 Leverage Capital Ratio | RCOA7204 | 0.1227 |
| Institution-specific Capital Buffer Necessary to Avoid Limitations on Distributions and Discretionary Bonus Payments: Capital Conservation Buffer | RCOAH311 | 0.0822 |
Schedule RC-R, Part II: Risk-Weighted Assets (57 items)
About Schedule RC-R, Part II · 1st State Bank risk-weighted assets trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Risk-weighted Assets for Purposes of Calculating the Allowance for Loan and Lease Losses 1.25 Percent Threshold | RCONS580 | $400.1M |
| Total Risk-weighted Assets | RCONG641 | $399.7M |
| Risk-weighted Assets by Risk-weighted Category - 100 Pct Risk Weight Category | RCONG637 | $372.8M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 100 Pct Risk Weight Category | RCONG633 | $372.8M |
| Total Balance Sheet Assets - 100 Pct Risk Weight Category | RCOND990 | $311.9M |
| Total Loans and Leases, Net of Unearned Income, All Other Exposures | RCONS457 | $275.1M |
| Loans and Leases, Net of Unearned Income, All Other Exposures - 100 Pct Risk Weight Category | RCONS462 | $267.1M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 0 Pct Risk Weight Category | RCONG630 | $116.1M |
| Total Balance Sheet Assets - 0 Pct Risk Weight Category | RCOND987 | $116.1M |
| Unused Commitments, Original Maturity Exceeding One Year - Face, Notional, or Other Amount | RCONG624 | $86.7M |
| Total Cash and Balances Due from Depository Institutions | RCOND957 | $80.4M |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, Face, Notional or Other Amount | RCONS525 | $79.7M |
| Cash and Balances Due from Depository Institutions - 0 Pct Risk Weight Category | RCOND958 | $66.4M |
| Available-for-sale debt securities and equity securities with readily determinable fair values not held for trading purposes, Total Fair Value | RCONJA21 | $61.5M |
| Available-for-sale Securities - 0 Pct Risk Weight Category | RCOND967 | $49.3M |
| Total Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures | RCONS439 | $46.1M |
| Unconditionally Cancellable Commitments | RCONS540 | $45.0M |
| Unused Commitments, Original Maturity Exceeding One Year - Credit Equivalent Amount | RCONG625 | $43.4M |
| Unused Commitments, Original Maturity Exceeding One Year - 100 Pct Risk Weight Category | RCONG629 | $43.0M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 20 Pct Risk Weight Category | RCONG631 | $37.0M |
| Total Balance Sheet Assets - 20 Pct Risk Weight Category | RCOND988 | $36.6M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 50 Pct Risk Weight Category | RCONG632 | $30.3M |
| Total All Other Assets | RCOND981 | $29.9M |
| Total Balance Sheet Assets - 50 Pct Risk Weight Category | RCOND989 | $29.9M |
| Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures - 50 Pct Risk Weight Category | RCONS442 | $28.7M |
| All Other Assets - 100 Pct Risk Weight Category | RCOND985 | $27.0M |
| Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures - 100 Pct Risk Weight Category | RCONS443 | $17.4M |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, Credit Equivalent Amount | RCONS526 | $15.9M |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, 100% | RCONS530 | $15.5M |
| Risk-weighted Assets by Risk-weighted Category - 50 Pct Risk Weight Category | RCONG636 | $15.1M |
| Cash and Balances Due from Depository Institutions - 20 Pct Risk Weight Category | RCOND959 | $14.1M |
| Available-for-sale Securities - 20 Pct Risk Weight Category | RCOND968 | $13.6M |
| Loans and Leases, Net of Unearned Income, All Other Exposures - 20 Pct Risk Weight Category | RCONS460 | $8.0M |
| Risk-weighted Assets by Risk-weighted Category - 20 Pct Risk Weight Category | RCONG635 | $7.4M |
| Total Balance Sheet Assets - Adjustments to Total Reported in Column a | RCONS500 | -$6.6M |
| Notional Principal Amounts of Over-the-counter Derivate Contracts, Interest Rate - One Year or Less | RCONS582 | $5.8M |
| Risk-weighted Assets by Risk-weighted Category - 250 Pct Risk Weight Category | RCONS573 | $3.6M |
| Financial Standby Letters of Credit - 100 Pct Risk Weight Category | RCOND996 | $2.4M |
| Financial Standby Letters of Credit - Credit Equivalent Amount | RCOND992 | $2.4M |
| Financial Standby Letters of Credit - Face, Notional, or Other Amount | RCOND991 | $2.4M |
| All Other Assets - 250 Pct Risk Weight Category | RCONH293 | $1.4M |
| The total of all components in the 250% balance sheet asset category on Call Report Schedule RC-R is multiplied by 250% | RCONS504 | $1.4M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 250 Pct Risk Weight Category | RCONS562 | $1.4M |
| Available-for-sale Securities - Adjustment to Totals Reported in Column a | RCONS402 | -$1.4M |
| Loans and Leases Held for Sale, Residential Mortgage Exposures - 50 Pct Risk Weight Category | RCONS416 | $1.2M |
| Total Loans and Leases Held for Sale, Residential Mortgage Exposures | RCONS413 | $1.2M |
| Risk-weighted Assets by Risk-weighted Category - 150 Pct Risk Weight Category | RCONS572 | $1.2M |
| Total Loans and Leases, Net of Unearned Income, Exposures Past Due 90 Days or More or on Nonaccrual | RCONS449 | $1.1M |
| All Other Assets - 20 Pct Risk Weight Category | RCOND983 | $1.0M |
| Loans and Leases, Net of Unearned Income, Exposures Past Due 90 Days or More or on Nonaccrual - 150 Pct Risk Weight Category | RCONS455 | $771K |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 150 Pct Risk Weight Category | RCONS561 | $771K |
| Total Balance Sheet Assets - 150 Pct Risk Weight Category | RCONS503 | $771K |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, 50% | RCONS529 | $409K |
| All Other Assets - 0 Pct Risk Weight Category | RCOND982 | $402K |
| Loans and Leases, Net of Unearned Income, Exposures Past Due 90 Days or More or on Nonaccrual - 100 Pct Risk Weight Category | RCONS454 | $345K |
| Unused Commitments, Original Maturity Exceeding One Year - 20 Pct Risk Weight Category | RCONG627 | $328K |
| Cash and Balances Due from Depository Institutions - 100 Pct Risk Weight Category | RCOND960 | $3K |
Schedule RI-A: Changes in Bank Equity Capital (6 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Equity Capital | RIAD3210 | $58.7M |
| Balance End of Previous Calendar Year as Restated | RIADB508 | $56.5M |
| Equity Capital, Most Recently Reported for the End of Previous Calendar Year (I.e., After Adjustments from Amended Reports of Income) | RIAD3217 | $56.5M |
| Cash Dividends Declared on Common Stock | RIAD4460 | $925K |
| Other Comprehensive Income | RIADB511 | -$226K |
| Sale, Conversion, Acquisition, or Retirement of Capital Stock, Net (Excluding Treasury Stock Transactions) | RIADB509 | $47K |
Schedule RI-B, Part I: Charge-offs and Recoveries on Loans and Leases (7 items)
About Schedule RI-B, Part I · 1st State Bank charge-offs and recoveries on loans and leases trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Charge-offs on Allowance for Loan and Lease Losses | RIAD4635 | $363K |
| Charge-offs on Closed-end Loans by 1-4 Family Residential Properties:secured by First Liens | RIADC234 | $237K |
| Loans Secured by Owner-occupied Nonfarm Nonresidential Properties: Charge-offs | RIADC895 | $106K |
| Charge-offs on Commercial and Industrial Loans | RIAD4638 | $20K |
| Recoveries on Allowance for Loan and Lease Losses | RIAD4605 | $4K |
| Recoveries on All Other Loans | RIAD4628 | $3K |
| Recoveries on Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit | RIAD5412 | $1K |
Schedule RI-B, Part II: Changes in Allowances for Credit Losses (4 items)
About Schedule RI-B, Part II · 1st State Bank changes in allowances for credit losses trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Balance Most Recently Reported for the December 31, 2000, Reports of Condition and Income(i.e., After Adjustments from Amended Report of Income) | RIADB522 | $5.5M |
| Allowance for Loan and Lease Losses | RIAD3123 | $5.2M |
| Charge-offs on Allowance for Loan and Lease Losses | RIADC079 | $363K |
| Provisions for credit losses on off-balance-sheet exposures | RIADMG93 | -$9K |
Schedule SU: Supplemental Information (1 item)
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Outstanding Principal Balance of Closed End 1-4 Family Residential Mortgage Loans Serviced for Others Plus the Total Outstanding Principal Balance of Other Financial Assets Serviced for Others If More Than $10 Million | RCONFT12 | $183.9M |
1st State Bank call reports on file
Each link opens the bank's filed report on the FFIEC Central Data Repository.
- Q2 2026 call report (quarter ended June 30, 2026)
- Q1 2026 call report (quarter ended March 31, 2026)
- Q4 2025 call report (quarter ended December 31, 2025)
- Q3 2025 call report (quarter ended September 30, 2025)
- Q2 2025 call report (quarter ended June 30, 2025)
- Q1 2025 call report (quarter ended March 31, 2025)
Where can I find the 1st State Bank call report?
The 1st State Bank call report for the quarter ended June 30, 2026 is on this page, schedule by schedule. The official PDF is on the FFIEC Central Data Repository, linked here for every quarter on file. Call reports are public: anyone can read or download them without an account.
Which call report form does 1st State Bank file?
1st State Bank files the FFIEC 051. The FFIEC 031 is for banks with foreign offices, the FFIEC 041 for banks with domestic offices only, and the FFIEC 051 is the streamlined form most domestic banks under $5 billion in total assets may file.
What is the 1st State Bank call report number?
A call report has no number of its own. It is filed and looked up by the bank's identifiers: 1st State Bank has Federal Reserve RSSD ID 3223305 and FDIC certificate number 57626. Either one finds its filings on the FFIEC Central Data Repository.
How often does 1st State Bank file a call report?
Every quarter, as of March 31, June 30, September 30 and December 31. The report is due 30 calendar days after the quarter ends, or 35 days for a bank with more than one foreign office.
1st State Bank financial reports and ratios →
New to call reports? What a call report is, every call report code explained, and how the UBPR turns it into ratios.
Regulator records: FDIC BankFind (cert 57626) · FFIEC NIC profile (RSSD 3223305)