Bank call report · Saint Petersburg, FL
Climate First Bank Call Report
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Climate First Bank filed its latest call report for the quarter ended June 30, 2026 on the FFIEC 051. Below are its 313 reported line items, schedule by schedule (773 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 | 5592340 |
| FDIC certificate number | 59257 |
| Total assets | $1.94B |
Official Q2 2026 call report PDF (FFIEC) →
Climate First 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 · Climate First Bank balance sheet trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Assets | RCON2170 | $1.94B |
| Total Liabilities, Limited-life Preferred Stock, and Equity Capital | RCON3300 | $1.94B |
| Total Liabilities and Minority Interest | RCON2948 | $1.76B |
| Loans and Leases, Net of Unearned Income - Totals | RCONB528 | $1.67B |
| Loans and Leases, Net of Unearned Income and Allowance | RCONB529 | $1.65B |
| Total Deposits | RCON2200 | $1.55B |
| Total Interest-bearing Deposits in Foreign and Domestic Offices | RCON6636 | $1.39B |
| Interest-bearing Balances | RCON0071 | $216.6M |
| Other Borrowed Money | RCON3190 | $204.0M |
| Total Equity Capital | RCON3210 | $178.3M |
| Total Equity Capital Including Noncontrolling Minority Interests in Consolidated Subsidiaries | RCONG105 | $178.3M |
| Deposits: Noninterest-bearing | RCON6631 | $156.5M |
| Surplus | RCON3839 | $139.0M |
| Other Assets | RCON2160 | $43.8M |
| Common Stock | RCON3230 | $22.6M |
| Allowance for Loan and Lease Losses | RCON3123 | $17.4M |
| Undivided Profits and Capital Reserves | RCON3632 | $16.9M |
| Premises and Fixed Assets (Including Capitalized Leases) | RCON2145 | $15.5M |
| Other Liabilities, Total | RCON2930 | $11.6M |
| Loans and Leases Held for Sale | RCON5369 | $5.0M |
| Available-for-sale debt securities (from Schedule RC-B, column D) | RCON1773 | $3.4M |
| Intangible Assets | RCON2143 | $1.9M |
| Noninterest-bearing Balances and Currency and Coin | RCON0081 | $646K |
| Accumulated Other Comprehensive Income | RCONB530 | -$172K |
Schedule RI: Income Statement (37 items)
About Schedule RI · Climate First Bank income statement trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Interest Income | RIAD4107 | $62.1M |
| Interest and Fee Income on Loans, Total | RIAD4010 | $58.7M |
| Net Interest Income | RIAD4074 | $33.2M |
| Total Interest Expense | RIAD4073 | $28.9M |
| Interest and Fee Income on All Other Loans Secured by Real Estate | RIAD4436 | $20.8M |
| Interest and Fee Income on Commercial and Industrial Loans | RIAD4012 | $18.9M |
| Total Noninterest Expense | RIAD4093 | $18.9M |
| Income (Loss) Before Applicable Income Taxes and Discontinued Operations | RIAD4301 | $14.5M |
| 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 | $14.5M |
| Salaries and Employee Benefits | RIAD4135 | $11.7M |
| 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 | $11.4M |
| Income (Loss) Before Discontinued Operations | RIAD4300 | $10.8M |
| Net Income (Loss) | RIAD4340 | $10.8M |
| Net Income (Loss) Attributable to Bank and Noncontrolling Minority Interests | RIADG104 | $10.8M |
| Savings Deposits (Including Mmdas) | RIAD0093 | $10.3M |
| Interest and Fee Income on Loans Secured by 1-4 Family Residential Properties | RIAD4435 | $7.5M |
| Other Noninterest Expense | RIAD4092 | $6.6M |
| Interest on Transaction Accounts (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) | RIAD4508 | $6.3M |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of 250000 or Less | RIADHK03 | $6.1M |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of More Than 250000 | RIADHK04 | $4.9M |
| Provision for Loan and Lease Losses | RIAD4230 | $3.8M |
| Total Noninterest Income | RIAD4079 | $3.7M |
| Applicable Income Taxes | RIAD4302 | $3.7M |
| Provisions for Credit Losses on Financial Assets | RIADJJ33 | $3.5M |
| Interest Income on Balances Due from Depository Institutions | RIAD4115 | $3.2M |
| Net Gains (Losses) on Sales of Loans | RIAD5416 | $3.1M |
| Other Interest Expense | RIADGW44 | $1.3M |
| Expenses of Premises and Fixed Assets | RIAD4217 | $642K |
| Other Noninterest Income | RIADB497 | $348K |
| Service Charges on Deposit Accounts in Domestic Offices | RIAD4080 | $169K |
| Other Interest Income | RIAD4518 | $135K |
| Net Servicing Fees | RIADB492 | $102K |
| Interest on Other Securities | RIAD4060 | $35K |
| Interest and Dividend Income on Securities: Mortgage-backed Securities | RIADB489 | $15K |
| Expense of Federal Funds Purchased and Securities Sold Under Agreements to Repurchase | RIAD4180 | $5K |
| Net Gains (Losses) on Sales of Other Assets (Excluding Securities) | RIADB496 | $1K |
| Number of Full Time Equivalent Employees on Payroll at End of Current Period | RIAD4150 | 162 |
Schedule RC-B: Securities (13 items)
About Schedule RC-B · Climate First Bank securities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Amortized Cost of Available-for-sale Securities | RCON1772 | $3.7M |
| Pledged Securities | RCON0416 | $2.3M |
| Amortized Cost of Available-for-sale Securities Issued by States and Political Subdivisions in the U.S. | RCON8498 | $2.0M |
| Fair Value of Available-for-sale Securities Issued by States and Political Subdivisions in the U.S. | RCON8499 | $1.9M |
| Mortgage backed securities (MBS), Issued or guarnteed by FNMA, FHLMC, or GNMA, Available for sale, Amortized Cost | RCONHT56 | $1.2M |
| 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 | $1.1M |
| Mortgage backed securities (MBS), Issued or guarnteed by FNMA, FHLMC, or GNMA, Available for sale, Fair Value | RCONHT57 | $1.1M |
| 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 | $883K |
| 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 | $535K |
| Amortized Cost of Other Available-for-sale Domestic Debt Securities | RCON1739 | $500K |
| 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 | $486K |
| Fair Value of Other Available-for-sale Domestic Debt Securities | RCON1741 | $479K |
| 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 | $479K |
Schedule RC-C, Part I: Loans and Leases (30 items)
About Schedule RC-C, Part I · Climate First Bank loans and leases trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Loans and Leases, Net of Unearned Income | RCON2122 | $1.68B |
| 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 | $471.7M |
| Commercial and Industrial Loans | RCON1766 | $450.6M |
| Pledged Loans and Leases | RCONG378 | $392.5M |
| Loans Secured by Other Nonfarm Nonresidential Properties. | RCONF161 | $342.3M |
| 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 | $331.8M |
| Other Consumer Loans to Individuals for Household, Family, and Other Personal Expenditures (Includes Single Payment, Installment, and All Student Loans) | RCONK207 | $325.8M |
| 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 Five Years Through 15 Years | RCONA574 | $237.2M |
| 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 | $206.8M |
| Fixed Rate and Floating Rate Loans and Leases with a Remaining Maturity of One Year or Less | RCONA247 | $201.0M |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by First Liens | RCON5367 | $192.3M |
| Loans Secured by Owner Occupied Nonfarm Nonresidential Properties | RCONF160 | $165.4M |
| 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 One Year Through Three Years | RCONA572 | $143.2M |
| Adjustable Rate Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties | RCON5370 | $110.2M |
| 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 | $92.4M |
| Loans Secured by Other Construction Loans and All Land Development and Other Land Loans | RCONF159 | $85.9M |
| 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 Five Years Through 15 Years | RCONA568 | $74.0M |
| 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 | $62.6M |
| Loans Secured by 1-4 Family Residential Construction | RCONF158 | $50.5M |
| 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 Years Through Five Years | RCONA567 | $33.3M |
| Real Estate Loans Secured by Multi-family (5 or More) Residential Properties | RCON1460 | $28.5M |
| Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit | RCON1797 | $20.3M |
| 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 | $11.1M |
| 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 Three Months Through 12 Months | RCONA565 | $7.5M |
| Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper): Other Revolving Credit Plans | RCONB539 | $5.7M |
| Real Estate Loans Secured by Farmland | RCON1420 | $4.7M |
| Loans to Nondepository Financial Institutions and Other Loans: Loans to Nondepository Financial Institutions | RCONJ454 | $4.3M |
| 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 | $3.7M |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by Junior Liens | RCON5368 | $664K |
| Automobile Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper) | RCONK137 | $398K |
Schedule RC-C, Part II: Loans to Small Businesses and Small Farms (14 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| 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 | $58.0M |
| 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 | $39.8M |
| 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 | $8.2M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5571 | $3.4M |
| 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 | $1.8M |
| Amount Currently Outstanding of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5581 | $249K |
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5565 | $123K |
| 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 | 195 |
| 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 | 86 |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5570 | 82 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5568 | 80 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5566 | 9 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5564 | 2 |
| Number of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5580 | 1 |
Schedule RC-E: Deposit Liabilities (33 items)
About Schedule RC-E · Climate First Bank deposit liabilities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Nontransaction Accounts (Including Mmda's) | RCON2385 | $1.02B |
| Total Nontransaction Accounts Deposits of Individuals, Partnerships, and Corporations | RCONB550 | $1.00B |
| Total Demand Deposits (See Note Below) | RCON2210 | $524.0M |
| Total Transaction Accounts | RCON2215 | $524.0M |
| Total Transaction Accounts - Deposits of Individuals, Partnerships, and Corporation | RCONB549 | $502.5M |
| Money Market Deposit Accounts (Mmda's) | RCON6810 | $355.7M |
| Sweep deposits: Fully insured, non-affiliate sweep deposits | RCONMT91 | $279.1M |
| Total reciprocal deposits | RCONJH83 | $279.1M |
| Total sweep deposits that are not brokered deposits | RCONMT95 | $279.1M |
| Time Deposits of 250000 or Less with a Remaining Maturity of One Year or Less | RCONHK11 | $263.5M |
| Components of Total Nontransaction Accounts: Total Time Deposits of More Than $250,000 | RCONJ474 | $232.0M |
| Time Deposits of More Than $250,000 with a Remaining Maturity of One or Year Less | RCONK222 | $224.8M |
| Components of Total Nontransaction Accounts: Total Time Deposits of $100,000 Through $250,000 | RCONJ473 | $183.6M |
| Other Nontransaction Savings Deposits (Excludes Mmda's) | RCON0352 | $152.5M |
| 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 Over Three Months Through 12 Months | RCONHK08 | $147.1M |
| 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 | $116.4M |
| 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 | $112.6M |
| 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 Three Months or Less | RCONHK12 | $112.2M |
| Total Time Deposits of Less Than $100,000 | RCON6648 | $100.2M |
| Selected Components of Total Deposits, Brokered Deposits of 250000 or Less (Fully Insured Brokered Deposits) | RCONHK05 | $42.4M |
| Total Brokered Deposits | RCON2365 | $42.4M |
| Selected Components of Total Deposits, Brokered Deposits of 250000 or Less with a Remaining Maturity of One Year or Less | RCONHK06 | $38.6M |
| Total Transaction Accounts - Deposits of States and Political Subdivisions in the U.S. | RCON2203 | $18.5M |
| 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 Over One Year Through Three Years | RCONHK09 | $15.0M |
| Total Nontransaction Accounts of Commercial Banks and Other Depository Institutions in the U.S. | RCONB552 | $13.3M |
| Estimated Amount of Deposits Obtained Through the Use of Deposit Listing Services That Are Not Brokered Deposits | RCONK223 | $11.2M |
| 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 One Year Through Three Years | RCONHK14 | $7.2M |
| All Time and Savings Deposits Held in IRA and Keogh Plan Accounts | RCON6835 | $7.0M |
| 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 Three Years | RCONHK10 | $5.3M |
| Total Nontransaction Accounts of United States Government | RCON2520 | $5.2M |
| Individual Retirement Accounts (Iras) and Keogh Plan Accounts Included in Memorandum Item 2.C, 'Total Time Deposits of $100,000 or More,' Above | RCONF233 | $3.5M |
| Total Transaction Accounts - Deposits of Commercial Banks and Other Depository Institutions in the U.S. | RCONB551 | $3.0M |
| Total Nontransaction Accounts of States and Political Subdivisions in the U.S. | RCON2530 | $1.2M |
Schedule RC-F: Other Assets (6 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Historical Cost of All Other Available-for-sale Equity Securities | RCON1752 | $19.0M |
| Life Insurance Assets: General Account Life Insurance Assets | RCONK201 | $10.8M |
| Accrued Interest Receivable | RCONB556 | $10.7M |
| Other Assets | RCON2168 | $2.6M |
| Prepaid Expenses | RCON2166 | $2.5M |
| Net Deferred Tax Assets | RCON2148 | $860K |
Schedule RC-G: Other Liabilities (5 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| All Other Liabilities | RCON2938 | $6.2M |
| First Itemized Amount That Exceeds 25% of All Other Liabilities (2938) or (2942) | RCON3552 | $3.6M |
| Other Expenses Accrued and Unpaid | RCON3646 | $3.6M |
| Allowance for Credit Losses on Off-balance Sheet Credit Exposures | RCONB557 | $1.0M |
| Interest Accrued and Unpaid on Deposits (in Domestic Offices) | RCON3645 | $900K |
Schedule RC-K: Quarterly Averages (14 items)
About Schedule RC-K · Climate First Bank quarterly averages trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Quarterly Average of Total Assets | RCON3368 | $1.82B |
| Quarterly Average of Total Loans | RCON3360 | $1.59B |
| Quarterly Average of All Other Loans Secured by Real Estate | RCON3466 | $604.4M |
| Nontransaction Accounts in Domestic Offices: Savings Deposits | RCONB563 | $516.5M |
| Quarterly Average of Commercial and Industrial Loans | RCON3387 | $456.6M |
| Transaction Accounts (in Domestic Offices) (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) - Quarterly Average | RCON3485 | $352.9M |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Other | RCONB562 | $331.0M |
| Liabilities, Nontransaction Accounts, Time Deposits of 250000 or Less | RCONHK16 | $289.4M |
| Liabilities, Nontransaction Accounts, Time Deposits of More Than 250000 | RCONHK17 | $240.7M |
| Quarterly Average of Loans Secured by 1-4 Family Residential Properties | RCON3465 | $202.0M |
| Quarterly Average of Interest-bearing Balances Due from Depository Institutions | RCON3381 | $184.6M |
| Quarterly Average of Other Borrowed Money | RCON3355 | $101.2M |
| All Other Securities | RCONB560 | $2.5M |
| Mortgage-backed Securities | RCONB559 | $1.2M |
Schedule RC-L: Derivatives and Off-Balance-Sheet Items (7 items)
About Schedule RC-L · Climate First Bank derivatives and off-balance-sheet items trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Other Unused Commitments: Commercial and Industrial Loans | RCONJ457 | $122.6M |
| Commercial Real Estate, Other Construction Loan and Land Development Loan Commitments | RCONF165 | $50.7M |
| 1-4 Family Residential Construction Loan Commitments | RCONF164 | $38.6M |
| Other Unused Commitments: All Other Unused Commitments | RCONJ459 | $37.6M |
| Unused Commitments - Revolving, Open-end Lines Secured by 1-4 Family Residential Properties | RCON3814 | $17.1M |
| Other unused commitments: Loans to nondepository financial institutions | RCONPV11 | $9.7M |
| Financial Standby Letters of Credit and Foreign Office Guarantees | RCON3819 | $178K |
Schedule RC-M: Memoranda (5 items)
About Schedule RC-M · Climate First Bank memoranda trends
| Line item | Code | Q2 2026 |
|---|---|---|
| FHLB Advances (Loans) Due in One Year or Less | RCON2651 | $204.0M |
| FHLB Advances: Advances with a Remaining Maturity or Next Repricing Date of One Year or Less | RCONF055 | $204.0M |
| Aggregate Amount of All Extensions of Credit to All Executive Officers, Directors, Principal Shareholders, and Their Related Interests | RCON6164 | $25.9M |
| All other intangible assets | RCONJF76 | $1.9M |
| 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 | 5 |
Schedule RC-N: Past Due and Nonaccrual Loans, Leases, and Other Assets (8 items)
About Schedule RC-N · Climate First Bank past due and nonaccrual loans, leases, and other assets trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Loans and Lease Finance Receivables: Nonaccrual | RCON1403 | $2.0M |
| Commercial and Industrial Loans - Nonaccrual | RCON1608 | $1.9M |
| Total Loans and Lease Financing Receivables: Past Due 30-89 Days and Still Accruing | RCON1406 | $1.7M |
| Additions to Nonaccrual Assets | RCONC410 | $1.3M |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Other - Past Due 30 Through 89 Days and Still Accruing | RCONK216 | $859K |
| Commercial and Industrial Loans - Past Due 30-89 Days and Still Accruing | RCON1606 | $476K |
| 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 - Past Due 30 Through 89 Days and Still Accruing | RCON5398 | $341K |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Other - Nonaccrual | RCONK218 | $172K |
Schedule RC-O: Other Data for Deposit Insurance Assessments (13 items)
About Schedule RC-O · Climate First Bank other data for deposit insurance assessments trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average Consolidated Total Assets for the Calendar Quarter | RCONK652 | $1.82B |
| Total Deposit Liabilities as Defined in Section 3(1) of the Federal Deposit Insurance Act Before Exclusions | RCONF236 | $1.55B |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of $250,000 or Less | RCONF049 | $877.9M |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF051 | $664.1M |
| Estimated Amount of Uninsured Assessable Deposits in Domestic Offices of the Bank and in Insured Branches in Puerto Rico and U.S. Territories and Possessions, Including Related Interest Accrued and Unpaid | RCON5597 | $408.3M |
| Average Tangible Equity for the Calendar Quarter | RCONK654 | $170.4M |
| Amount of Retirement Deposits Accounts of $250,000 or Less | RCONF045 | $5.6M |
| Amount of Retirement Deposit Accounts of More Than $250,000 | RCONF047 | $1.4M |
| Number of Deposit Accounts (Excluding Retirement Accounts)of $250,000 or Less | RCONF050 | 18,012 |
| Number of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF052 | 1,026 |
| Number of Retirement Deposit Accounts of $250,000 or Less | RCONF046 | 93 |
| Number of Retirement Deposit Accounts of More Than $250,000 | RCONF048 | 5 |
| Averaging Method Used | RCONK653 | 1 |
Schedule RC-P: 1-4 Family Residential Mortgage Banking Activities (2 items)
Schedule RC-R: Regulatory Capital (1 item)
About Schedule RC-R · Climate First 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 | $1.79B |
Schedule RC-R, Part I: Regulatory Capital Components and Ratios (24 items)
About Schedule RC-R, Part I · Climate First Bank regulatory capital components and ratios trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average total consolidated assets | RCOAKW03 | $1.82B |
| Average Total Assets (Net of Deductions) | RCOAA224 | $1.82B |
| Risk-weighted Assets (Net of Allowances and Other Deductions) | RCOAA223 | $1.79B |
| Total Qualifying Capital Allowable Under the Risk-based Capital Guidelines | RCOA3792 | $194.1M |
| Common Equity Tier 1 Capital Before Adjustments and Deductions | RCOAP840 | $178.3M |
| Common Equity Tier 1 Capital | RCOAP859 | $175.6M |
| Subtotal of Common Equity Tier 1 Capital: Adjustments and Deductions | RCOAP852 | $175.6M |
| Tier 1 Capital Allowable Under the Risk-based Capital Guidelines | RCOA8274 | $175.6M |
| Common Equity Tier 1 Capital: Common Stock Plus Related Surplus, Net of Treasury Stock and Unearned Employee Stock Ownership Plan (ESOP) Shares | RCOAP742 | $161.6M |
| General Loan and Lease Valuation Allowances | RCOA5310 | $18.5M |
| Tier 2 (Supplementary) Capital | RCOA5311 | $18.5M |
| Tier 2 Capital Before Deductions | RCOAP870 | $18.5M |
| Retained Earnings | RCOAKW00 | $16.9M |
| Less: Deductions from Common Equity Tier 1 Capital and Additional Tier 1 Capital (Sum of Items 6, 7, 8, 10.B, 11, 13 Through 17 and Certain Elements of Item 24 - See Instructions) | RCOAP875 | $2.8M |
| Intangible Assets (Other Than Goodwill and Mortgage Servicing Assets (Msas)), Net of Associated Dtls | RCOAP842 | $1.9M |
| Deferred Tax Assets (DTAS) That Arise from Net Operating Loss and Tax Credit Carryforwards, Net of Any Related Valuation Allowances and Net of Dtls | RCOAP843 | $860K |
| Accumulated Other Comprehensive Income | RCOAB530 | -$172K |
| 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 | -$172K |
| A. AOCI Opt-out Election (Enter '1' for Yes, Enter '0' for No.) | RCOAP838 | 1 |
| Total Risk-based Capital Ratio | RCOA7205 | 0.1087 |
| Common Equity Tier 1 Capital Ratio | RCOAP793 | 0.0983 |
| Tier 1 Risk-based Capital Ratio | RCOA7206 | 0.0983 |
| Tier 1 Leverage Capital Ratio | RCOA7204 | 0.0966 |
| Institution-specific Capital Buffer Necessary to Avoid Limitations on Distributions and Discretionary Bonus Payments: Capital Conservation Buffer | RCOAH311 | 0.0287 |
Schedule RC-R, Part II: Risk-Weighted Assets (48 items)
About Schedule RC-R, Part II · Climate First 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 | $1.79B |
| Total Risk-weighted Assets | RCONG641 | $1.79B |
| Risk-weighted Assets by Risk-weighted Category - 100 Pct Risk Weight Category | RCONG637 | $1.65B |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 100 Pct Risk Weight Category | RCONG633 | $1.65B |
| Total Balance Sheet Assets - 100 Pct Risk Weight Category | RCOND990 | $1.53B |
| Loans and Leases, Net of Unearned Income, All Other Exposures - 100 Pct Risk Weight Category | RCONS462 | $1.46B |
| Total Loans and Leases, Net of Unearned Income, All Other Exposures | RCONS457 | $1.46B |
| Total Cash and Balances Due from Depository Institutions | RCOND957 | $217.3M |
| Total Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures | RCONS439 | $208.2M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 20 Pct Risk Weight Category | RCONG631 | $195.2M |
| Total Balance Sheet Assets - 20 Pct Risk Weight Category | RCOND988 | $195.2M |
| Unused Commitments, Original Maturity Exceeding One Year - Face, Notional, or Other Amount | RCONG624 | $194.6M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 50 Pct Risk Weight Category | RCONG632 | $190.6M |
| Total Balance Sheet Assets - 50 Pct Risk Weight Category | RCOND989 | $190.6M |
| Cash and Balances Due from Depository Institutions - 20 Pct Risk Weight Category | RCOND959 | $183.2M |
| Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures - 50 Pct Risk Weight Category | RCONS442 | $182.3M |
| Unused Commitments, Original Maturity Exceeding One Year - 100 Pct Risk Weight Category | RCONG629 | $97.3M |
| Unused Commitments, Original Maturity Exceeding One Year - Credit Equivalent Amount | RCONG625 | $97.3M |
| Risk-weighted Assets by Risk-weighted Category - 50 Pct Risk Weight Category | RCONG636 | $95.3M |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, Face, Notional or Other Amount | RCONS525 | $81.6M |
| Total All Other Assets | RCOND981 | $61.3M |
| All Other Assets - 100 Pct Risk Weight Category | RCOND985 | $46.4M |
| Risk-weighted Assets by Risk-weighted Category - 20 Pct Risk Weight Category | RCONG635 | $39.0M |
| Cash and Balances Due from Depository Institutions - 0 Pct Risk Weight Category | RCOND958 | $34.1M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 0 Pct Risk Weight Category | RCONG630 | $34.1M |
| Total Balance Sheet Assets - 0 Pct Risk Weight Category | RCOND987 | $34.1M |
| Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures - 100 Pct Risk Weight Category | RCONS443 | $25.9M |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, 100% | RCONS530 | $16.3M |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, Credit Equivalent Amount | RCONS526 | $16.3M |
| Total Balance Sheet Assets - Adjustments to Total Reported in Column a | RCONS500 | -$14.9M |
| All Other Assets - 20 Pct Risk Weight Category | RCOND983 | $10.8M |
| Loans and Leases Held for Sale, Residential Mortgage Exposures - 50 Pct Risk Weight Category | RCONS416 | $5.0M |
| Total Loans and Leases Held for Sale, Residential Mortgage Exposures | RCONS413 | $5.0M |
| Available-for-sale debt securities and equity securities with readily determinable fair values not held for trading purposes, Total Fair Value | RCONJA21 | $3.4M |
| Risk-weighted Assets by Risk-weighted Category - 150 Pct Risk Weight Category | RCONS572 | $3.1M |
| All Other Assets - Adjustments to Totals Reported in Column a | RCONS469 | $2.8M |
| Loans and Leases, Net of Unearned Income, Exposures Past Due 90 Days or More or on Nonaccrual - 150 Pct Risk Weight Category | RCONS455 | $2.0M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 150 Pct Risk Weight Category | RCONS561 | $2.0M |
| Total Balance Sheet Assets - 150 Pct Risk Weight Category | RCONS503 | $2.0M |
| Total Loans and Leases, Net of Unearned Income, Exposures Past Due 90 Days or More or on Nonaccrual | RCONS449 | $2.0M |
| Available-for-sale Securities - 50 Pct Risk Weight Category | RCOND969 | $2.0M |
| All Other Assets - 50 Pct Risk Weight Category | RCOND984 | $1.3M |
| Available-for-sale Securities - 20 Pct Risk Weight Category | RCOND968 | $1.2M |
| Available-for-sale Securities - 100 Pct Risk Weight Category | RCOND970 | $500K |
| Available-for-sale Securities - Adjustment to Totals Reported in Column a | RCONS402 | -$230K |
| Financial Standby Letters of Credit - 100 Pct Risk Weight Category | RCOND996 | $178K |
| Financial Standby Letters of Credit - Credit Equivalent Amount | RCOND992 | $178K |
| Financial Standby Letters of Credit - Face, Notional, or Other Amount | RCOND991 | $178K |
Schedule RI-A: Changes in Bank Equity Capital (6 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Equity Capital | RIAD3210 | $178.3M |
| Balance End of Previous Calendar Year as Restated | RIADB508 | $143.2M |
| Equity Capital, Most Recently Reported for the End of Previous Calendar Year (I.e., After Adjustments from Amended Reports of Income) | RIAD3217 | $143.2M |
| Other Transactions with Stockholders (Including Parent Holding Company) | RIAD4415 | $24.0M |
| Sale, Conversion, Acquisition, or Retirement of Capital Stock, Net (Excluding Treasury Stock Transactions) | RIADB509 | $303K |
| Other Comprehensive Income | RIADB511 | -$23K |
Schedule RI-B, Part I: Charge-offs and Recoveries on Loans and Leases (5 items)
About Schedule RI-B, Part I · Climate First 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 | $1.0M |
| Charge-offs All Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADK205 | $1.0M |
| Charge-offs on All Other Loans | RIAD4644 | $7K |
| Recoveries All Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADK206 | $6K |
| Recoveries on Allowance for Loan and Lease Losses | RIAD4605 | $6K |
Schedule RI-B, Part II: Changes in Allowances for Credit Losses (4 items)
About Schedule RI-B, Part II · Climate First Bank changes in allowances for credit losses trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Allowance for Loan and Lease Losses | RIAD3123 | $17.4M |
| Balance Most Recently Reported for the December 31, 2000, Reports of Condition and Income(i.e., After Adjustments from Amended Report of Income) | RIADB522 | $14.7M |
| Charge-offs on Allowance for Loan and Lease Losses | RIADC079 | $1.0M |
| Provisions for credit losses on off-balance-sheet exposures | RIADMG93 | -$217K |
Schedule RI-C: Disaggregated Data on the Allowance for Credit Losses (12 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Loans and Leases, Held for Investment, Total, Amortized Cost | RCONJJ11 | $1.67B |
| Loans and Leases, Held for Investment, Real estate loans, Commercial real estate loans, Amortized Cost | RCONJJ05 | $540.9M |
| Loans and Leases, Held for Investment, Commerical loans, Amortized Cost | RCONJJ07 | $454.9M |
| Loans and Leases, Held for Investment, Other consumer loans, Amortized Cost | RCONJJ09 | $331.9M |
| Loans and Leases, Held for Investment, Real estate loans, Residential real estate loans, Amortized Cost | RCONJJ06 | $208.2M |
| Loans and Leases, Held for Investment, Real estate loans, Construction loans, Amortized Cost | RCONJJ04 | $136.5M |
| Loans and Leases, Held for Investment, Total, Allowance Balance | RCONJJ19 | $17.4M |
| Loans and Leases, Held for Investment, Commerical loans, Allowance Balance | RCONJJ15 | $6.9M |
| Loans and Leases, Held for Investment, Real estate loans, Construction loans, Allowance Balance | RCONJJ12 | $3.0M |
| Loans and Leases, Held for Investment, Real estate loans, Residential real estate loans, Allowance Balance | RCONJJ14 | $2.6M |
| Loans and Leases, Held for Investment, Other consumer loans, Allowance Balance | RCONJJ17 | $2.5M |
| Loans and Leases, Held for Investment, Real estate loans, Commercial real estate loans, Allowance Balance | RCONJJ13 | $2.4M |
Schedule RI-E: Explanations (1 item)
| Line item | Code | Q2 2026 |
|---|---|---|
| First Itemized Transaction of Other Transactions with Stockholders (Including Parent Holding Company) (4415) | RIAD4498 | $24.0M |
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 | $55.7M |
Climate First 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 Climate First Bank call report?
The Climate First 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 Climate First Bank file?
Climate First 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 Climate First Bank call report number?
A call report has no number of its own. It is filed and looked up by the bank's identifiers: Climate First Bank has Federal Reserve RSSD ID 5592340 and FDIC certificate number 59257. Either one finds its filings on the FFIEC Central Data Repository.
How often does Climate First 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.
Climate First 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 59257) · FFIEC NIC profile (RSSD 5592340)