Bank call report · South Burlington, VT
The Business Bank Call Report
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The Business Bank filed its latest call report for the quarter ended June 30, 2026 on the FFIEC 051. Below are its 257 reported line items, schedule by schedule (797 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 | 5760662 |
| FDIC certificate number | 59298 |
| Total assets | $352.2M |
Official Q2 2026 call report PDF (FFIEC) →
The Business 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 · The Business Bank balance sheet trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Assets | RCON2170 | $352.2M |
| Total Liabilities, Limited-life Preferred Stock, and Equity Capital | RCON3300 | $352.2M |
| Total Liabilities and Minority Interest | RCON2948 | $313.0M |
| Total Deposits | RCON2200 | $310.8M |
| Total Interest-bearing Deposits in Foreign and Domestic Offices | RCON6636 | $302.8M |
| Loans and Leases, Net of Unearned Income - Totals | RCONB528 | $237.3M |
| Loans and Leases, Net of Unearned Income and Allowance | RCONB529 | $234.8M |
| Interest-bearing Balances | RCON0071 | $62.1M |
| Surplus | RCON3839 | $45.8M |
| Total Equity Capital | RCON3210 | $39.2M |
| Total Equity Capital Including Noncontrolling Minority Interests in Consolidated Subsidiaries | RCONG105 | $39.2M |
| Available-for-sale debt securities (from Schedule RC-B, column D) | RCON1773 | $29.0M |
| Held to maturity securities (ASU 2016-13 adoption) | RCONJJ34 | $16.3M |
| Held-to-maturity Securities, Total | RCON1754 | $16.3M |
| Deposits: Noninterest-bearing | RCON6631 | $8.0M |
| Undivided Profits and Capital Reserves | RCON3632 | -$7.6M |
| Noninterest-bearing Balances and Currency and Coin | RCON0081 | $5.8M |
| Common Stock | RCON3230 | $4.8M |
| Other Components of Equity Capital | RCONA130 | -$3.0M |
| Allowance for Loan and Lease Losses | RCON3123 | $2.5M |
| Premises and Fixed Assets (Including Capitalized Leases) | RCON2145 | $2.2M |
| Other Liabilities, Total | RCON2930 | $2.2M |
| Other Assets | RCON2160 | $1.9M |
| Accumulated Other Comprehensive Income | RCONB530 | -$857K |
Schedule RI: Income Statement (31 items)
About Schedule RI · The Business Bank income statement trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Interest Income | RIAD4107 | $8.1M |
| Interest and Fee Income on Loans, Total | RIAD4010 | $6.4M |
| Interest and Fee Income on All Other Loans Secured by Real Estate | RIAD4436 | $4.6M |
| Net Interest Income | RIAD4074 | $4.6M |
| Total Noninterest Expense | RIAD4093 | $4.6M |
| Total Interest Expense | RIAD4073 | $3.5M |
| Interest on Transaction Accounts (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) | RIAD4508 | $3.4M |
| Salaries and Employee Benefits | RIAD4135 | $3.1M |
| Interest and Fee Income on Commercial and Industrial Loans | RIAD4012 | $1.0M |
| Interest and Dividend Income on Securities: U.S. Treasury Securities and U.S. Government Agency Obligations (Excluding Mortgage-backed Securities) | RIADB488 | $874K |
| Interest Income on Balances Due from Depository Institutions | RIAD4115 | $825K |
| Other Noninterest Expense | RIAD4092 | $776K |
| Interest and Fee Income on Loans Secured by 1-4 Family Residential Properties | RIAD4435 | $759K |
| Expenses of Premises and Fixed Assets | RIAD4217 | $756K |
| Provision for Loan and Lease Losses | RIAD4230 | $593K |
| Provisions for Credit Losses on Financial Assets | RIADJJ33 | $507K |
| Income (Loss) Before Discontinued Operations | RIAD4300 | -$504K |
| Net Income (Loss) | RIAD4340 | -$504K |
| Net Income (Loss) Attributable to Bank and Noncontrolling Minority Interests | RIADG104 | -$504K |
| Income (Loss) Before Applicable Income Taxes and Discontinued Operations | RIAD4301 | -$479K |
| 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 | -$479K |
| Savings Deposits (Including Mmdas) | RIAD0093 | $141K |
| Service Charges on Deposit Accounts in Domestic Offices | RIAD4080 | $40K |
| Total Noninterest Income | RIAD4079 | $27K |
| Applicable Income Taxes | RIAD4302 | $25K |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of 250000 or Less | RIADHK03 | $18K |
| Net Gains (Losses) on Sales of Other Assets (Excluding Securities) | RIADB496 | -$13K |
| Interest and Dividend Income on Securities: Mortgage-backed Securities | RIADB489 | $10K |
| Other Interest Income | RIAD4518 | $6K |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of More Than 250000 | RIADHK04 | $3K |
| Number of Full Time Equivalent Employees on Payroll at End of Current Period | RIAD4150 | 34 |
Schedule RC-B: Securities (15 items)
About Schedule RC-B · The Business Bank securities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Pledged Securities | RCON0416 | $30.9M |
| Amortized Cost of Available-for-sale U.S. Treasury Securities | RCON1286 | $29.9M |
| Total Amortized Cost of Available-for-sale Securities | RCON1772 | $29.9M |
| Fair Value of Available-for-sale U.S. Treasury Securities | RCON1287 | $29.0M |
| 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 | $21.5M |
| Total Fair Value of Held-to-maturity Securities | RCON1771 | $16.1M |
| Amortized Cost of Held-to-maturity U.S. Treasury Securities | RCON0211 | $15.8M |
| Fair Value of Held-to-maturity U.S. Treasury Securities | RCON0213 | $15.6M |
| Fixed Rate and Floating Rate Debt Securities with a Remaining Maturity of One Year or Less | RCONA248 | $10.9M |
| 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 | $10.9M |
| 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 | $8.5M |
| 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 of Over Ffteen Years | RCONA554 | $3.8M |
| 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 Three Years Through Five Years | RCONA558 | $524K |
| Mortgage backed securities (MBS), Issued or guarnteed by FNMA, FHLMC, or GNMA, Held-to-maturity, Amortized Cost | RCONHT54 | $524K |
| Mortgage backed securities (MBS), Issued or guarnteed by FNMA, FHLMC, or GNMA, Held-to-maturity, Fair Value | RCONHT55 | $516K |
Schedule RC-C, Part I: Loans and Leases (27 items)
About Schedule RC-C, Part I · The Business Bank loans and leases trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Loans and Leases, Net of Unearned Income | RCON2122 | $237.3M |
| Pledged Loans and Leases | RCONG378 | $154.6M |
| 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 Five Years Through 15 Years | RCONA574 | $90.0M |
| Loans Secured by Other Nonfarm Nonresidential Properties. | RCONF161 | $71.8M |
| 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 15 Years | RCONA575 | $56.8M |
| Loans Secured by Owner Occupied Nonfarm Nonresidential Properties | RCONF160 | $44.1M |
| Real Estate Loans Secured by Multi-family (5 or More) Residential Properties | RCON1460 | $42.0M |
| Commercial and Industrial Loans | RCON1766 | $39.7M |
| 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 One Year Through Three Years | RCONA572 | $26.8M |
| 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 | $26.3M |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by First Liens | RCON5367 | $19.9M |
| Loans Secured by Other Construction Loans and All Land Development and Other Land Loans | RCONF159 | $12.7M |
| 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 Three Months or Less | RCONA570 | $9.7M |
| Fixed Rate and Floating Rate Loans and Leases with a Remaining Maturity of One Year or Less | RCONA247 | $9.5M |
| 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 Three Months Through 12 Months | RCONA571 | $7.8M |
| Loans Secured by 1-4 Family Residential Construction | RCONF158 | $6.2M |
| 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 15 Years | RCONA569 | $5.9M |
| Adjustable Rate Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties | RCON5370 | $5.8M |
| 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 | $5.6M |
| 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 | $5.5M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Three Months or Less | RCONA564 | $1.4M |
| 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 | $1.0M |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by Junior Liens | RCON5368 | $950K |
| 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 | $529K |
| Unearned Income on Loans | RCON2123 | $238K |
| Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit | RCON1797 | $116K |
| Real Estate Loans Secured by Farmland | RCON1420 | $104K |
Schedule RC-C, Part II: Loans to Small Businesses and Small Farms (10 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 | $26.3M |
| 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 | $11.0M |
| 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 | $4.0M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5571 | $1.9M |
| 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 | $804K |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5570 | 55 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5568 | 50 |
| 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 | 46 |
| 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 | 43 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5566 | 4 |
Schedule RC-E: Deposit Liabilities (22 items)
About Schedule RC-E · The Business Bank deposit liabilities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Demand Deposits (See Note Below) | RCON2210 | $283.6M |
| Total Transaction Accounts | RCON2215 | $283.6M |
| Total Transaction Accounts - Deposits of Individuals, Partnerships, and Corporation | RCONB549 | $251.6M |
| Total reciprocal deposits | RCONJH83 | $99.0M |
| Sweep deposits: Fully insured, non-affiliate sweep deposits | RCONMT91 | $64.7M |
| Total sweep deposits that are not brokered deposits | RCONMT95 | $64.7M |
| Selected Components of Total Deposits, Brokered Deposits of 250000 or Less (Fully Insured Brokered Deposits) | RCONHK05 | $36.9M |
| Selected Components of Total Deposits, Brokered Deposits of 250000 or Less with a Remaining Maturity of One Year or Less | RCONHK06 | $36.9M |
| Total Brokered Deposits | RCON2365 | $36.9M |
| Total Nontransaction Accounts (Including Mmda's) | RCON2385 | $27.2M |
| Total Nontransaction Accounts Deposits of Individuals, Partnerships, and Corporations | RCONB550 | $27.2M |
| Total Transaction Accounts - Deposits of States and Political Subdivisions in the U.S. | RCON2203 | $26.2M |
| Other Nontransaction Savings Deposits (Excludes Mmda's) | RCON0352 | $25.7M |
| Total Transaction Accounts - Deposits of Commercial Banks and Other Depository Institutions in the U.S. | RCONB551 | $5.7M |
| Time Deposits of 250000 or Less with a Remaining Maturity of One Year or Less | RCONHK11 | $1.2M |
| Components of Total Nontransaction Accounts: Total Time Deposits of $100,000 Through $250,000 | RCONJ473 | $949K |
| 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 | $937K |
| Components of Total Nontransaction Accounts: Total Time Deposits of More Than $250,000 | RCONJ474 | $311K |
| 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 | $311K |
| Time Deposits of More Than $250,000 with a Remaining Maturity of One or Year Less | RCONK222 | $311K |
| 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 | $286K |
| Total Time Deposits of Less Than $100,000 | RCON6648 | $273K |
Schedule RC-F: Other Assets (5 items)
Schedule RC-G: Other Liabilities (6 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| All Other Liabilities | RCON2938 | $1.6M |
| Operating lease liabilities | RCONLB56 | $1.2M |
| Other Expenses Accrued and Unpaid | RCON3646 | $464K |
| Deferred Compensation Liabilities | RCONC011 | $349K |
| Allowance for Credit Losses on Off-balance Sheet Credit Exposures | RCONB557 | $148K |
| Interest Accrued and Unpaid on Deposits (in Domestic Offices) | RCON3645 | $5K |
Schedule RC-K: Quarterly Averages (12 items)
About Schedule RC-K · The Business Bank quarterly averages trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Quarterly Average of Total Assets | RCON3368 | $323.3M |
| Transaction Accounts (in Domestic Offices) (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) - Quarterly Average | RCON3485 | $267.0M |
| Quarterly Average of Total Loans | RCON3360 | $220.8M |
| Quarterly Average of All Other Loans Secured by Real Estate | RCON3466 | $156.1M |
| Quarterly Average of Interest-bearing Balances Due from Depository Institutions | RCON3381 | $51.0M |
| U.S. Treasury Securities and U.S. Government Agency Obligations (Excluding Mortgage-backed Securities) | RCONB558 | $44.9M |
| Quarterly Average of Commercial and Industrial Loans | RCON3387 | $38.6M |
| Quarterly Average of Loans Secured by 1-4 Family Residential Properties | RCON3465 | $25.3M |
| Nontransaction Accounts in Domestic Offices: Savings Deposits | RCONB563 | $14.3M |
| Liabilities, Nontransaction Accounts, Time Deposits of 250000 or Less | RCONHK16 | $1.3M |
| Mortgage-backed Securities | RCONB559 | $557K |
| Liabilities, Nontransaction Accounts, Time Deposits of More Than 250000 | RCONHK17 | $309K |
Schedule RC-L: Derivatives and Off-Balance-Sheet Items (6 items)
About Schedule RC-L · The Business Bank derivatives and off-balance-sheet items trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Other Unused Commitments: Commercial and Industrial Loans | RCONJ457 | $23.9M |
| Commercial Real Estate, Other Construction Loan and Land Development Loan Commitments | RCONF165 | $23.6M |
| 1-4 Family Residential Construction Loan Commitments | RCONF164 | $10.5M |
| Commercial and Similar Letters of Credit | RCON3411 | $1.1M |
| Financial Standby Letters of Credit and Foreign Office Guarantees | RCON3819 | $853K |
| Performance Standby Letters of Credit | RCON3821 | $386K |
Schedule RC-M: Memoranda (2 items)
About Schedule RC-M · The Business 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 | $10.5M |
| 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 (3 items)
About Schedule RC-N · The Business Bank past due and nonaccrual loans, leases, and other assets trends
Schedule RC-O: Other Data for Deposit Insurance Assessments (8 items)
About Schedule RC-O · The Business Bank other data for deposit insurance assessments trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average Consolidated Total Assets for the Calendar Quarter | RCONK652 | $323.3M |
| Total Deposit Liabilities as Defined in Section 3(1) of the Federal Deposit Insurance Act Before Exclusions | RCONF236 | $310.8M |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF051 | $166.2M |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of $250,000 or Less | RCONF049 | $144.6M |
| Average Tangible Equity for the Calendar Quarter | RCONK654 | $38.6M |
| Number of Deposit Accounts (Excluding Retirement Accounts)of $250,000 or Less | RCONF050 | 1,831 |
| Number of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF052 | 169 |
| Averaging Method Used | RCONK653 | 1 |
Schedule RC-R: Regulatory Capital (1 item)
About Schedule RC-R · The Business 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 | $272.0M |
Schedule RC-R, Part I: Regulatory Capital Components and Ratios (21 items)
About Schedule RC-R, Part I · The Business Bank regulatory capital components and ratios trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average Total Assets (Net of Deductions) | RCOAA224 | $323.3M |
| Average total consolidated assets | RCOAKW03 | $323.3M |
| Risk-weighted Assets (Net of Allowances and Other Deductions) | RCOAA223 | $272.0M |
| Common Equity Tier 1 Capital: Common Stock Plus Related Surplus, Net of Treasury Stock and Unearned Employee Stock Ownership Plan (ESOP) Shares | RCOAP742 | $47.7M |
| Total Qualifying Capital Allowable Under the Risk-based Capital Guidelines | RCOA3792 | $42.7M |
| Common Equity Tier 1 Capital | RCOAP859 | $40.1M |
| Subtotal of Common Equity Tier 1 Capital: Adjustments and Deductions | RCOAP852 | $40.1M |
| Tier 1 Capital Allowable Under the Risk-based Capital Guidelines | RCOA8274 | $40.1M |
| Common Equity Tier 1 Capital Before Adjustments and Deductions | RCOAP840 | $39.2M |
| Retained Earnings | RCOAKW00 | -$7.6M |
| General Loan and Lease Valuation Allowances | RCOA5310 | $2.6M |
| Tier 2 (Supplementary) Capital | RCOA5311 | $2.6M |
| Tier 2 Capital Before Deductions | RCOAP870 | $2.6M |
| Accumulated Other Comprehensive Income | RCOAB530 | -$857K |
| 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 | -$857K |
| 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 | 0.1474 |
| Tier 1 Risk-based Capital Ratio | RCOA7206 | 0.1474 |
| Tier 1 Leverage Capital Ratio | RCOA7204 | 0.124 |
| 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 (53 items)
About Schedule RC-R, Part II · The Business 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 | $272.0M |
| Total Risk-weighted Assets | RCONG641 | $272.0M |
| Risk-weighted Assets by Risk-weighted Category - 100 Pct Risk Weight Category | RCONG637 | $250.0M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 100 Pct Risk Weight Category | RCONG633 | $250.0M |
| Total Balance Sheet Assets - 100 Pct Risk Weight Category | RCOND990 | $220.6M |
| Loans and Leases, Net of Unearned Income, All Other Exposures - 100 Pct Risk Weight Category | RCONS462 | $216.1M |
| Total Loans and Leases, Net of Unearned Income, All Other Exposures | RCONS457 | $216.1M |
| Total Cash and Balances Due from Depository Institutions | RCOND957 | $68.0M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 0 Pct Risk Weight Category | RCONG630 | $58.0M |
| Total Balance Sheet Assets - 0 Pct Risk Weight Category | RCOND987 | $58.0M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 20 Pct Risk Weight Category | RCONG631 | $56.7M |
| Total Balance Sheet Assets - 20 Pct Risk Weight Category | RCOND988 | $56.7M |
| Cash and Balances Due from Depository Institutions - 20 Pct Risk Weight Category | RCOND959 | $56.0M |
| Unused Commitments, Original Maturity Exceeding One Year - Face, Notional, or Other Amount | RCONG624 | $55.3M |
| Available-for-sale Securities - 0 Pct Risk Weight Category | RCOND967 | $29.9M |
| Available-for-sale debt securities and equity securities with readily determinable fair values not held for trading purposes, Total Fair Value | RCONJA21 | $29.0M |
| Unused Commitments, Original Maturity Exceeding One Year - 100 Pct Risk Weight Category | RCONG629 | $27.6M |
| Unused Commitments, Original Maturity Exceeding One Year - Credit Equivalent Amount | RCONG625 | $27.6M |
| Total Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures | RCONS439 | $21.0M |
| Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures - 50 Pct Risk Weight Category | RCONS442 | $19.9M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 50 Pct Risk Weight Category | RCONG632 | $19.9M |
| Total Balance Sheet Assets - 50 Pct Risk Weight Category | RCOND989 | $19.9M |
| Total Held-to-maturity Securities | RCOND961 | $16.3M |
| Held-to-maturity Securities - 0 Pct Risk Weight Category | RCOND962 | $15.8M |
| Cash and Balances Due from Depository Institutions - 0 Pct Risk Weight Category | RCOND958 | $11.9M |
| Risk-weighted Assets by Risk-weighted Category - 20 Pct Risk Weight Category | RCONG635 | $11.3M |
| Risk-weighted Assets by Risk-weighted Category - 50 Pct Risk Weight Category | RCONG636 | $9.9M |
| Total All Other Assets | RCOND981 | $4.1M |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, Face, Notional or Other Amount | RCONS525 | $3.9M |
| All Other Assets - 100 Pct Risk Weight Category | RCOND985 | $3.4M |
| Total Balance Sheet Assets - Adjustments to Total Reported in Column a | RCONS500 | -$3.3M |
| Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures - 100 Pct Risk Weight Category | RCONS443 | $1.1M |
| Available-for-sale Securities - Adjustment to Totals Reported in Column a | RCONS402 | -$857K |
| Financial Standby Letters of Credit - 100 Pct Risk Weight Category | RCOND996 | $853K |
| Financial Standby Letters of Credit - Credit Equivalent Amount | RCOND992 | $853K |
| Financial Standby Letters of Credit - Face, Notional, or Other Amount | RCOND991 | $853K |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, 100% | RCONS530 | $771K |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, Credit Equivalent Amount | RCONS526 | $771K |
| Held-to-maturity Securities - 20 Pct Risk Weight Category | RCOND963 | $524K |
| Risk-weighted Assets by Risk-weighted Category - 400 Pct Risk Weight Category | RCONS575 | $400K |
| All Other Assets - 0 Pct Risk Weight Category | RCOND982 | $398K |
| Performance Standby Letters of Credit and Transaction-related Contingent Items - Face, Notional, or Other Amount | RCOND997 | $386K |
| Risk-weighted Assets by Risk-weighted Category - 150 Pct Risk Weight Category | RCONS572 | $317K |
| Loans and Leases, Net of Unearned Income, Exposures Past Due 90 Days or More or on Nonaccrual - 150 Pct Risk Weight Category | RCONS455 | $211K |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 150 Pct Risk Weight Category | RCONS561 | $211K |
| Total Balance Sheet Assets - 150 Pct Risk Weight Category | RCONS503 | $211K |
| Total Loans and Leases, Net of Unearned Income, Exposures Past Due 90 Days or More or on Nonaccrual | RCONS449 | $211K |
| Performance Standby Letters of Credit and Transaction-related Contingent Items - 100 Pct Risk Weight Category | RCONG605 | $193K |
| Performance Standby Letters of Credit and Transaction-related Contingent Items - Credit Equivalent Amount | RCOND998 | $193K |
| All Other Assets - 20 Pct Risk Weight Category | RCOND983 | $144K |
| All Other Assets - 400 Pct Risk Weight Category | RCONS470 | $100K |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 400 Pct Risk Weight Category | RCONS564 | $100K |
| Total Balance Sheet Assets - 400 Pct Risk Weight Category | RCONS506 | $100K |
Schedule RI-A: Changes in Bank Equity Capital (6 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Equity Capital | RIAD3210 | $39.2M |
| Balance End of Previous Calendar Year as Restated | RIADB508 | $34.0M |
| Equity Capital, Most Recently Reported for the End of Previous Calendar Year (I.e., After Adjustments from Amended Reports of Income) | RIAD3217 | $34.0M |
| Sale, Conversion, Acquisition, or Retirement of Capital Stock, Net (Excluding Treasury Stock Transactions) | RIADB509 | $7.4M |
| Treasury Stock Transactions, Net | RIADB510 | -$1.1M |
| Other Comprehensive Income | RIADB511 | -$653K |
Schedule RI-B, Part I: Charge-offs and Recoveries on Loans and Leases (2 items)
About Schedule RI-B, Part I · The Business Bank charge-offs and recoveries on loans and leases trends
Schedule RI-B, Part II: Changes in Allowances for Credit Losses (3 items)
About Schedule RI-B, Part II · The Business Bank changes in allowances for credit losses trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Allowance for Loan and Lease Losses | RIAD3123 | $2.5M |
| Balance Most Recently Reported for the December 31, 2000, Reports of Condition and Income(i.e., After Adjustments from Amended Report of Income) | RIADB522 | $1.9M |
| Provisions for credit losses on off-balance-sheet exposures | RIADMG93 | -$86K |
The Business 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 The Business Bank call report?
The The Business 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 The Business Bank file?
The Business 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 The Business Bank call report number?
A call report has no number of its own. It is filed and looked up by the bank's identifiers: The Business Bank has Federal Reserve RSSD ID 5760662 and FDIC certificate number 59298. Either one finds its filings on the FFIEC Central Data Repository.
How often does The Business 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.
The Business 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 59298) · FFIEC NIC profile (RSSD 5760662)