Bank call report · Loretto, MN
21st Century Bank Call Report
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21st Century Bank filed its latest call report for the quarter ended June 30, 2026 on the FFIEC 051. Below are its 310 reported line items, schedule by schedule (752 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 | 340256 |
| FDIC certificate number | 9751 |
| Total assets | $894.8M |
Official Q2 2026 call report PDF (FFIEC) →
21st Century 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 (23 items)
About Schedule RC · 21st Century Bank balance sheet trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Assets | RCON2170 | $894.8M |
| Total Liabilities, Limited-life Preferred Stock, and Equity Capital | RCON3300 | $894.8M |
| Total Liabilities and Minority Interest | RCON2948 | $812.2M |
| Loans and Leases, Net of Unearned Income - Totals | RCONB528 | $672.7M |
| Loans and Leases, Net of Unearned Income and Allowance | RCONB529 | $666.6M |
| Total Deposits | RCON2200 | $658.8M |
| Total Interest-bearing Deposits in Foreign and Domestic Offices | RCON6636 | $524.8M |
| Available-for-sale debt securities (from Schedule RC-B, column D) | RCON1773 | $187.2M |
| Other Borrowed Money | RCON3190 | $146.0M |
| Deposits: Noninterest-bearing | RCON6631 | $134.0M |
| Total Equity Capital | RCON3210 | $82.7M |
| Total Equity Capital Including Noncontrolling Minority Interests in Consolidated Subsidiaries | RCONG105 | $82.7M |
| Surplus | RCON3839 | $74.7M |
| Interest-bearing Balances | RCON0071 | $22.6M |
| Undivided Profits and Capital Reserves | RCON3632 | $20.6M |
| Accumulated Other Comprehensive Income | RCONB530 | -$12.9M |
| Other Assets | RCON2160 | $11.2M |
| Other Liabilities, Total | RCON2930 | $7.4M |
| Allowance for Loan and Lease Losses | RCON3123 | $6.1M |
| Premises and Fixed Assets (Including Capitalized Leases) | RCON2145 | $5.0M |
| Noninterest-bearing Balances and Currency and Coin | RCON0081 | $1.9M |
| Common Stock | RCON3230 | $341K |
| Other Real Estate Owned | RCON2150 | $234K |
Schedule RI: Income Statement (38 items)
About Schedule RI · 21st Century Bank income statement trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Interest Income | RIAD4107 | $25.6M |
| Interest and Fee Income on Loans, Total | RIAD4010 | $20.6M |
| Net Interest Income | RIAD4074 | $15.7M |
| Interest and Fee Income on All Other Loans Secured by Real Estate | RIAD4436 | $14.9M |
| Total Interest Expense | RIAD4073 | $9.9M |
| Total Noninterest Expense | RIAD4093 | $7.9M |
| Income (Loss) Before Applicable Income Taxes and Discontinued Operations | RIAD4301 | $7.6M |
| 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 | $7.6M |
| Income (Loss) Before Discontinued Operations | RIAD4300 | $5.8M |
| Net Income (Loss) | RIAD4340 | $5.8M |
| Net Income (Loss) Attributable to Bank and Noncontrolling Minority Interests | RIADG104 | $5.8M |
| Salaries and Employee Benefits | RIAD4135 | $5.2M |
| Savings Deposits (Including Mmdas) | RIAD0093 | $4.8M |
| Interest and Fee Income on Commercial and Industrial Loans | RIAD4012 | $3.8M |
| Interest and Dividend Income on Securities: Mortgage-backed Securities | RIADB489 | $3.1M |
| Other Interest Expense | RIADGW44 | $2.6M |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of 250000 or Less | RIADHK03 | $2.0M |
| Interest and Fee Income on Loans Secured by 1-4 Family Residential Properties | RIAD4435 | $1.9M |
| Other Noninterest Expense | RIAD4092 | $1.9M |
| Applicable Income Taxes | RIAD4302 | $1.7M |
| Interest and Dividend Income on Securities: U.S. Treasury Securities and U.S. Government Agency Obligations (Excluding Mortgage-backed Securities) | RIADB488 | $1.5M |
| Expenses of Premises and Fixed Assets | RIAD4217 | $878K |
| Provision for Loan and Lease Losses | RIAD4230 | $565K |
| Interest on Transaction Accounts (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) | RIAD4508 | $436K |
| Provisions for Credit Losses on Financial Assets | RIADJJ33 | $425K |
| Other Interest Income | RIAD4518 | $309K |
| Total Noninterest Income | RIAD4079 | $222K |
| Other Noninterest Income | RIADB497 | $211K |
| Interest Income on Balances Due from Depository Institutions | RIAD4115 | $159K |
| Service Charges on Deposit Accounts in Domestic Offices | RIAD4080 | $98K |
| Net Gains (Losses) on Other Real Estate Owned | RIAD5415 | -$87K |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of More Than 250000 | RIADHK04 | $41K |
| Interest on Other Securities | RIAD4060 | $7K |
| 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 | $3K |
| Estimated Income on Tax-exempt Loans and Leases to States and Political Subdivisions in the U.S. | RIAD4313 | $1K |
| Interest and Dividend Income on Tax-exempt Securities Issued by States and Political Subdivisions in the U.S. | RIAD4507 | $1K |
| Interest and Fee Income on All Other Loans in Domestic Offices | RIAD4058 | $1K |
| Number of Full Time Equivalent Employees on Payroll at End of Current Period | RIAD4150 | 64 |
Schedule RC-B: Securities (25 items)
About Schedule RC-B · 21st Century 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 | $94.1M |
| 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 | $91.4M |
| Total Amortized Cost of Available-for-sale Securities | RCON1772 | $200.1M |
| OTHER MORTGAGE-BACKED SECURITIES (INCLUDE CMOs, REMICs, AND STRIPPED MBS) WITH AN EXPECTED AVERAGE LIFE OF OVER THREE YEARS | RCONA562 | $75.9M |
| Mortgage backed securities (MBS), Issued or guarnteed by FNMA, FHLMC, or GNMA, Available for sale, Amortized Cost | RCONHT56 | $53.2M |
| US government agency obligations (exclude mortgage-backed securities), Available for sale, Amortized Cost | RCONHT52 | $51.9M |
| US government agency obligations (exclude mortgage-backed securities), Available for sale, Fair Value | RCONHT53 | $49.5M |
| Mortgage backed securities (MBS), Issued or guarnteed by FNMA, FHLMC, or GNMA, Available for sale, Fair Value | RCONHT57 | $45.4M |
| 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 of Over Ffteen Years | RCONA554 | $42.9M |
| 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 15 Years | RCONA560 | $39.6M |
| OTHER MORTGAGE-BACKED SECURITIES (INCLUDE CMOs, REMICs, AND STRIPPED MBS) WITH AN EXPECTED AVERAGE LIFE OF THREE YEARS OR LESS | RCONA561 | $15.4M |
| Pledged Securities | RCON0416 | $12.8M |
| 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 | $5.6M |
| 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 Five Years Through Fifteen Years | RCONA553 | $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 Three Months of Less | RCONA549 | $2.5M |
| Amortized Cost of Available-for-sale Securities Issued by States and Political Subdivisions in the U.S. | RCON8498 | $501K |
| Fair Value of Available-for-sale Securities Issued by States and Political Subdivisions in the U.S. | RCON8499 | $480K |
| Asset-backed securities and structured financial products, Structured financial products, Available for sale, Amortized Cost | RCONHT60 | $457K |
| Asset-backed securities and structured financial products, Structured financial products, Available for sale, Fair Value | RCONHT61 | $457K |
| Guaranteed by U.S. Government Agencies or Sponsored Agencies Included in Schedule Rc-b, Item 5.B - Available-for-sale, Fair Value | RCONPV01 | $457K |
| Structured financial products guaranteed by U.S. Government agencies or sponsored agencies included in Schedule HC-B, item 5.b -- Available-for-sale: Amortized Cost | RCONPV00 | $457K |
| 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 | $351K |
| 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 | $189K |
| 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 | $129K |
| Fixed Rate and Floating Rate Debt Securities with a Remaining Maturity of One Year or Less | RCONA248 | $117K |
Schedule RC-C, Part I: Loans and Leases (31 items)
About Schedule RC-C, Part I · 21st Century Bank loans and leases trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Loans and Leases, Net of Unearned Income | RCON2122 | $672.7M |
| Pledged Loans and Leases | RCONG378 | $549.6M |
| 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 Over Three Years Through Five Years | RCONA573 | $232.1M |
| Loans Secured by Owner Occupied Nonfarm Nonresidential Properties | RCONF160 | $223.1M |
| Fixed Rate and Floating Rate Loans and Leases with a Remaining Maturity of One Year or Less | RCONA247 | $178.9M |
| 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 | $162.7M |
| Loans Secured by Other Nonfarm Nonresidential Properties. | RCONF161 | $128.2M |
| Real Estate Loans Secured by Multi-family (5 or More) Residential Properties | RCON1460 | $107.9M |
| Commercial and Industrial Loans | RCON1766 | $102.1M |
| 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 | $82.1M |
| 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 | $81.0M |
| 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 | $57.0M |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by First Liens | RCON5367 | $56.8M |
| Adjustable Rate Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties | RCON5370 | $54.9M |
| Loans Secured by 1-4 Family Residential Construction | RCONF158 | $38.2M |
| 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 | $23.6M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over One Year Through Three Years | RCONA566 | $12.5M |
| 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 | $9.7M |
| 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 | $6.0M |
| Real Estate Loans Secured by Farmland | RCON1420 | $5.2M |
| 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 | $4.7M |
| Loans Secured by Other Construction Loans and All Land Development and Other Land Loans | RCONF159 | $4.6M |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by Junior Liens | RCON5368 | $3.3M |
| Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit | RCON1797 | $2.8M |
| Other Consumer Loans to Individuals for Household, Family, and Other Personal Expenditures (Includes Single Payment, Installment, and All Student Loans) | RCONK207 | $428K |
| Loan Modifications to Borrowers Experiencing Financial Difficulty - Commercial and Industrial Loans | RCONK256 | $199K |
| Total Loan Modifications to Borrowers Experiencing Financial Difficulty That Are in Compliance with Their Modified Terms | RCONHK25 | $199K |
| Obligations (Other Than Securities and Leases) of States and Political Subdivisions in the U.S. | RCON2107 | $72K |
| Automobile Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper) | RCONK137 | $50K |
| Loans to Finance Agricultural Production and Other Loans to Farmers | RCON1590 | $20K |
| Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper): Other Revolving Credit Plans | RCONB539 | $13K |
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 | $85.1M |
| 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 | $35.7M |
| 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 | $5.7M |
| 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 | $4.7M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5571 | $1.5M |
| 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 | $700K |
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5565 | $420K |
| Amount Currently Outstanding of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5585 | $20K |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5568 | 199 |
| 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 | 120 |
| 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 | 64 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5566 | 46 |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5570 | 44 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5564 | 6 |
| 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 | 2 |
| Number of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5584 | 1 |
Schedule RC-E: Deposit Liabilities (30 items)
About Schedule RC-E · 21st Century Bank deposit liabilities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Nontransaction Accounts (Including Mmda's) | RCON2385 | $450.2M |
| Total Nontransaction Accounts Deposits of Individuals, Partnerships, and Corporations | RCONB550 | $428.4M |
| Money Market Deposit Accounts (Mmda's) | RCON6810 | $312.9M |
| Total Transaction Accounts | RCON2215 | $208.5M |
| Total Transaction Accounts - Deposits of Individuals, Partnerships, and Corporation | RCONB549 | $197.4M |
| Total Demand Deposits (See Note Below) | RCON2210 | $134.0M |
| Time Deposits of 250000 or Less with a Remaining Maturity of One Year or Less | RCONHK11 | $104.1M |
| Components of Total Nontransaction Accounts: Total Time Deposits of $100,000 Through $250,000 | RCONJ473 | $78.3M |
| Total reciprocal deposits | RCONJH83 | $70.6M |
| 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 | $68.8M |
| 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 | $39.5M |
| Sweep deposits: Fully insured, non-affiliate sweep deposits | RCONMT91 | $35.0M |
| Total sweep deposits that are not brokered deposits | RCONMT95 | $35.0M |
| Total Time Deposits of Less Than $100,000 | RCON6648 | $31.1M |
| Other Nontransaction Savings Deposits (Excludes Mmda's) | RCON0352 | $24.4M |
| Total Nontransaction Accounts of States and Political Subdivisions in the U.S. | RCON2530 | $19.8M |
| Total Transaction Accounts - Deposits of States and Political Subdivisions in the U.S. | RCON2203 | $9.1M |
| All Time and Savings Deposits Held in IRA and Keogh Plan Accounts | RCON6835 | $9.0M |
| Individual Retirement Accounts (Iras) and Keogh Plan Accounts Included in Memorandum Item 2.C, 'Total Time Deposits of $100,000 or More,' Above | RCONF233 | $5.0M |
| Selected Components of Total Deposits, Brokered Deposits of 250000 or Less (Fully Insured Brokered Deposits) | RCONHK05 | $4.2M |
| Selected Components of Total Deposits, Brokered Deposits of 250000 or Less with a Remaining Maturity of One Year or Less | RCONHK06 | $4.2M |
| Total Brokered Deposits | RCON2365 | $4.2M |
| Components of Total Nontransaction Accounts: Total Time Deposits of More Than $250,000 | RCONJ474 | $3.5M |
| Time Deposits of More Than $250,000 with a Remaining Maturity of One or Year Less | RCONK222 | $3.5M |
| 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 | $3.3M |
| Total Nontransaction Accounts of Commercial Banks and Other Depository Institutions in the U.S. | RCONB552 | $2.0M |
| Total Transaction Accounts - Deposits of Commercial Banks and Other Depository Institutions in the U.S. | RCONB551 | $2.0M |
| 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 | $973K |
| 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 | $254K |
| 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 | $135K |
Schedule RC-F: Other Assets (5 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Historical Cost of All Other Available-for-sale Equity Securities | RCON1752 | $7.1M |
| Accrued Interest Receivable | RCONB556 | $2.8M |
| Other Assets | RCON2168 | $985K |
| Prepaid Expenses | RCON2166 | $629K |
| Life Insurance Assets: General Account Life Insurance Assets | RCONK201 | $350K |
Schedule RC-G: Other Liabilities (6 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| All Other Liabilities | RCON2938 | $4.6M |
| Operating lease liabilities | RCONLB56 | $3.9M |
| Interest Accrued and Unpaid on Deposits (in Domestic Offices) | RCON3645 | $1.2M |
| Other Expenses Accrued and Unpaid | RCON3646 | $1.2M |
| Deferred Compensation Liabilities | RCONC011 | $463K |
| Allowance for Credit Losses on Off-balance Sheet Credit Exposures | RCONB557 | $365K |
Schedule RC-K: Quarterly Averages (15 items)
About Schedule RC-K · 21st Century Bank quarterly averages trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Quarterly Average of Total Assets | RCON3368 | $896.8M |
| Quarterly Average of Total Loans | RCON3360 | $669.2M |
| Quarterly Average of All Other Loans Secured by Real Estate | RCON3466 | $506.2M |
| Nontransaction Accounts in Domestic Offices: Savings Deposits | RCONB563 | $370.2M |
| Mortgage-backed Securities | RCONB559 | $148.8M |
| Quarterly Average of Other Borrowed Money | RCON3355 | $135.7M |
| Liabilities, Nontransaction Accounts, Time Deposits of 250000 or Less | RCONHK16 | $108.8M |
| Quarterly Average of Commercial and Industrial Loans | RCON3387 | $99.3M |
| Quarterly Average of Loans Secured by 1-4 Family Residential Properties | RCON3465 | $61.6M |
| U.S. Treasury Securities and U.S. Government Agency Obligations (Excluding Mortgage-backed Securities) | RCONB558 | $51.6M |
| Transaction Accounts (in Domestic Offices) (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) - Quarterly Average | RCON3485 | $43.4M |
| Quarterly Average of Interest-bearing Balances Due from Depository Institutions | RCON3381 | $12.6M |
| Liabilities, Nontransaction Accounts, Time Deposits of More Than 250000 | RCONHK17 | $1.9M |
| All Other Securities | RCONB560 | $960K |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Other | RCONB562 | $491K |
Schedule RC-L: Derivatives and Off-Balance-Sheet Items (7 items)
About Schedule RC-L · 21st Century Bank derivatives and off-balance-sheet items trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Other Unused Commitments: Commercial and Industrial Loans | RCONJ457 | $31.1M |
| 1-4 Family Residential Construction Loan Commitments | RCONF164 | $24.5M |
| Commercial Real Estate, Other Construction Loan and Land Development Loan Commitments | RCONF165 | $24.3M |
| Performance Standby Letters of Credit | RCON3821 | $5.4M |
| Financial Standby Letters of Credit and Foreign Office Guarantees | RCON3819 | $4.5M |
| Unused Commitments - Revolving, Open-end Lines Secured by 1-4 Family Residential Properties | RCON3814 | $2.8M |
| Other Unused Commitments: All Other Unused Commitments | RCONJ459 | $1.2M |
Schedule RC-M: Memoranda (6 items)
About Schedule RC-M · 21st Century Bank memoranda trends
| Line item | Code | Q2 2026 |
|---|---|---|
| FHLB Advances (Loans) Due in One Year or Less | RCON2651 | $106.0M |
| FHLB Advances: Advances with a Remaining Maturity or Next Repricing Date of One Year or Less | RCONF055 | $106.0M |
| FHLB Advances: Advances with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONF056 | $40.0M |
| Aggregate Amount of All Extensions of Credit to All Executive Officers, Directors, Principal Shareholders, and Their Related Interests | RCON6164 | $2.6M |
| All Other Real Estate Owned: Nonfarm Nonresidential Properties in Domestic Offices | RCON5512 | $234K |
| 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 | 2 |
Schedule RC-N: Past Due and Nonaccrual Loans, Leases, and Other Assets (12 items)
About Schedule RC-N · 21st Century Bank past due and nonaccrual loans, leases, and other assets trends
| Line item | Code | Q2 2026 |
|---|---|---|
| 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 | $2.3M |
| Total Loans and Lease Financing Receivables: Past Due 30-89 Days and Still Accruing | RCON1406 | $2.3M |
| Commercial and Industrial Loans - Past Due 30-89 Days and Still Accruing | RCON1606 | $2.0M |
| Guaranteed Portion of Loans and Leases Included in Item 10, Excluding Rebooked 'Gnma Loans' Past Due 30 Through 89 Days and Still Accruing | RCONK039 | $1.8M |
| Total Loans and Lease Finance Receivables: Nonaccrual | RCON1403 | $1.3M |
| Commercial and Industrial Loans - Nonaccrual | RCON1608 | $643K |
| 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 | $643K |
| Additions to Nonaccrual Assets | RCONC410 | $485K |
| Guaranteed Portion of Loans and Leases Included in Item 10, Excluding Rebooked 'Gnma Loans' : Nonaccrual | RCONK041 | $470K |
| Loans Secured by Owner-occupied Nonfarm Nonresidential Properties, Nonaccrual | RCONF182 | $354K |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens-nonaccural | RCONC229 | $286K |
| Loans Secured by Owner-occupied Nonfarm Nonresidential Properties, 30-89 Days Past Due | RCONF178 | $260K |
Schedule RC-O: Other Data for Deposit Insurance Assessments (10 items)
About Schedule RC-O · 21st Century Bank other data for deposit insurance assessments trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average Consolidated Total Assets for the Calendar Quarter | RCONK652 | $896.8M |
| Total Deposit Liabilities as Defined in Section 3(1) of the Federal Deposit Insurance Act Before Exclusions | RCONF236 | $660.0M |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF051 | $331.9M |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of $250,000 or Less | RCONF049 | $319.0M |
| Average Tangible Equity for the Calendar Quarter | RCONK654 | $95.6M |
| Amount of Retirement Deposits Accounts of $250,000 or Less | RCONF045 | $9.0M |
| Number of Deposit Accounts (Excluding Retirement Accounts)of $250,000 or Less | RCONF050 | 8,009 |
| Number of Retirement Deposit Accounts of $250,000 or Less | RCONF046 | 416 |
| Number of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF052 | 351 |
| Averaging Method Used | RCONK653 | 1 |
Schedule RC-R: Regulatory Capital (1 item)
About Schedule RC-R · 21st Century Bank regulatory capital trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Risk-weighted Assets Before Deductions for Excess Allowance for Loan and Lease Losses and Allocated Transfer Risk Reserve - 100% | RCONB704 | $649.8M |
Schedule RC-R, Part I: Regulatory Capital Components and Ratios (21 items)
About Schedule RC-R, Part I · 21st Century Bank regulatory capital components and ratios trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average Total Assets (Net of Deductions) | RCOAA224 | $896.8M |
| Average total consolidated assets | RCOAKW03 | $896.8M |
| Risk-weighted Assets (Net of Allowances and Other Deductions) | RCOAA223 | $649.8M |
| Total Qualifying Capital Allowable Under the Risk-based Capital Guidelines | RCOA3792 | $102.0M |
| Common Equity Tier 1 Capital | RCOAP859 | $95.6M |
| Subtotal of Common Equity Tier 1 Capital: Adjustments and Deductions | RCOAP852 | $95.6M |
| Tier 1 Capital Allowable Under the Risk-based Capital Guidelines | RCOA8274 | $95.6M |
| Common Equity Tier 1 Capital Before Adjustments and Deductions | RCOAP840 | $82.7M |
| Common Equity Tier 1 Capital: Common Stock Plus Related Surplus, Net of Treasury Stock and Unearned Employee Stock Ownership Plan (ESOP) Shares | RCOAP742 | $75.0M |
| Retained Earnings | RCOAKW00 | $20.6M |
| Accumulated Other Comprehensive Income | RCOAB530 | -$12.9M |
| 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 | -$12.9M |
| General Loan and Lease Valuation Allowances | RCOA5310 | $6.4M |
| Tier 2 (Supplementary) Capital | RCOA5311 | $6.4M |
| Tier 2 Capital Before Deductions | RCOAP870 | $6.4M |
| A. AOCI Opt-out Election (Enter '1' for Yes, Enter '0' for No.) | RCOAP838 | 1 |
| Total Risk-based Capital Ratio | RCOA7205 | 0.157 |
| Common Equity Tier 1 Capital Ratio | RCOAP793 | 0.1471 |
| Tier 1 Risk-based Capital Ratio | RCOA7206 | 0.1471 |
| Tier 1 Leverage Capital Ratio | RCOA7204 | 0.1066 |
| Institution-specific Capital Buffer Necessary to Avoid Limitations on Distributions and Discretionary Bonus Payments: Capital Conservation Buffer | RCOAH311 | 0.077 |
Schedule RC-R, Part II: Risk-Weighted Assets (51 items)
About Schedule RC-R, Part II · 21st Century 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 | $649.8M |
| Total Risk-weighted Assets | RCONG641 | $649.8M |
| Total Loans and Leases, Net of Unearned Income, All Other Exposures | RCONS457 | $572.5M |
| Risk-weighted Assets by Risk-weighted Category - 100 Pct Risk Weight Category | RCONG637 | $563.2M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 100 Pct Risk Weight Category | RCONG633 | $563.2M |
| Total Balance Sheet Assets - 100 Pct Risk Weight Category | RCOND990 | $533.0M |
| Loans and Leases, Net of Unearned Income, All Other Exposures - 100 Pct Risk Weight Category | RCONS462 | $523.2M |
| Available-for-sale debt securities and equity securities with readily determinable fair values not held for trading purposes, Total Fair Value | RCONJA21 | $187.2M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 20 Pct Risk Weight Category | RCONG631 | $176.8M |
| Total Balance Sheet Assets - 20 Pct Risk Weight Category | RCOND988 | $165.7M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 0 Pct Risk Weight Category | RCONG630 | $115.4M |
| Total Balance Sheet Assets - 0 Pct Risk Weight Category | RCOND987 | $115.4M |
| Available-for-sale Securities - 20 Pct Risk Weight Category | RCOND968 | $109.5M |
| Total Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures | RCONS439 | $99.0M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 50 Pct Risk Weight Category | RCONG632 | $98.5M |
| Total Balance Sheet Assets - 50 Pct Risk Weight Category | RCOND989 | $98.5M |
| Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures - 50 Pct Risk Weight Category | RCONS442 | $98.3M |
| Available-for-sale Securities - 0 Pct Risk Weight Category | RCOND967 | $90.6M |
| Unused Commitments, Original Maturity Exceeding One Year - Face, Notional, or Other Amount | RCONG624 | $58.0M |
| Risk-weighted Assets by Risk-weighted Category - 50 Pct Risk Weight Category | RCONG636 | $49.2M |
| Loans and Leases, Net of Unearned Income, All Other Exposures - 20 Pct Risk Weight Category | RCONS460 | $49.0M |
| Risk-weighted Assets by Risk-weighted Category - 20 Pct Risk Weight Category | RCONG635 | $35.4M |
| Unused Commitments, Original Maturity Exceeding One Year - Credit Equivalent Amount | RCONG625 | $29.0M |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, Face, Notional or Other Amount | RCONS525 | $25.7M |
| Total Cash and Balances Due from Depository Institutions | RCOND957 | $24.6M |
| Cash and Balances Due from Depository Institutions - 0 Pct Risk Weight Category | RCOND958 | $24.5M |
| Total Balance Sheet Assets - Adjustments to Total Reported in Column a | RCONS500 | -$19.0M |
| Unused Commitments, Original Maturity Exceeding One Year - 100 Pct Risk Weight Category | RCONG629 | $17.9M |
| Total All Other Assets | RCOND981 | $16.5M |
| Available-for-sale Securities - Adjustment to Totals Reported in Column a | RCONS402 | -$12.9M |
| Unused Commitments, Original Maturity Exceeding One Year - 20 Pct Risk Weight Category | RCONG627 | $11.1M |
| All Other Assets - 100 Pct Risk Weight Category | RCOND985 | $9.1M |
| All Other Assets - 20 Pct Risk Weight Category | RCOND983 | $7.1M |
| Performance Standby Letters of Credit and Transaction-related Contingent Items - Face, Notional, or Other Amount | RCOND997 | $5.4M |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, 100% | RCONS530 | $5.1M |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, Credit Equivalent Amount | RCONS526 | $5.1M |
| Financial Standby Letters of Credit - 100 Pct Risk Weight Category | RCOND996 | $4.5M |
| Financial Standby Letters of Credit - Credit Equivalent Amount | RCOND992 | $4.5M |
| Financial Standby Letters of Credit - Face, Notional, or Other Amount | RCOND991 | $4.5M |
| Performance Standby Letters of Credit and Transaction-related Contingent Items - 100 Pct Risk Weight Category | RCONG605 | $2.7M |
| Performance Standby Letters of Credit and Transaction-related Contingent Items - Credit Equivalent Amount | RCOND998 | $2.7M |
| Risk-weighted Assets by Risk-weighted Category - 150 Pct Risk Weight Category | RCONS572 | $1.9M |
| Loans and Leases, Net of Unearned Income, Exposures Past Due 90 Days or More or on Nonaccrual - 150 Pct Risk Weight Category | RCONS455 | $1.3M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 150 Pct Risk Weight Category | RCONS561 | $1.3M |
| Total Balance Sheet Assets - 150 Pct Risk Weight Category | RCONS503 | $1.3M |
| Total Loans and Leases, Net of Unearned Income, Exposures Past Due 90 Days or More or on Nonaccrual | RCONS449 | $1.3M |
| Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures - 100 Pct Risk Weight Category | RCONS443 | $712K |
| Unconditionally Cancellable Commitments | RCONS540 | $240K |
| All Other Assets - 50 Pct Risk Weight Category | RCOND984 | $239K |
| Loans and Leases, Net of Unearned Income, All Other Exposures - 0 Pct Risk Weight Category | RCONS459 | $237K |
| Cash and Balances Due from Depository Institutions - 20 Pct Risk Weight Category | RCOND959 | $43K |
Schedule RI-A: Changes in Bank Equity Capital (5 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Balance End of Previous Calendar Year as Restated | RIADB508 | $87.2M |
| Equity Capital, Most Recently Reported for the End of Previous Calendar Year (I.e., After Adjustments from Amended Reports of Income) | RIAD3217 | $87.2M |
| Total Equity Capital | RIAD3210 | $82.7M |
| Other Comprehensive Income | RIADB511 | -$6.2M |
| Cash Dividends Declared on Common Stock | RIAD4460 | $4.2M |
Schedule RI-B, Part I: Charge-offs and Recoveries on Loans and Leases (4 items)
About Schedule RI-B, Part I · 21st Century 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 | $351K |
| Charge-offs on Commercial and Industrial Loans | RIAD4638 | $351K |
| Recoveries on Allowance for Loan and Lease Losses | RIAD4605 | $1K |
| Recoveries on Commercial and Industrial Loans | RIAD4608 | $1K |
Schedule RI-B, Part II: Changes in Allowances for Credit Losses (4 items)
About Schedule RI-B, Part II · 21st Century Bank changes in allowances for credit losses trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Allowance for Loan and Lease Losses | RIAD3123 | $6.1M |
| Balance Most Recently Reported for the December 31, 2000, Reports of Condition and Income(i.e., After Adjustments from Amended Report of Income) | RIADB522 | $5.9M |
| Charge-offs on Allowance for Loan and Lease Losses | RIADC079 | $351K |
| Provisions for credit losses on off-balance-sheet exposures | RIADMG93 | -$140K |
21st Century 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 21st Century Bank call report?
The 21st Century 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 21st Century Bank file?
21st Century 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 21st Century Bank call report number?
A call report has no number of its own. It is filed and looked up by the bank's identifiers: 21st Century Bank has Federal Reserve RSSD ID 340256 and FDIC certificate number 9751. Either one finds its filings on the FFIEC Central Data Repository.
How often does 21st Century 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.
21st Century 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 9751) · FFIEC NIC profile (RSSD 340256)