Bank call report · Tacoma, WA
Commencement Bank Call Report
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Commencement Bank filed its latest call report for the quarter ended June 30, 2026 on the FFIEC 051. Below are its 314 reported line items, schedule by schedule (753 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 | 3537897 |
| FDIC certificate number | 58446 |
| Total assets | $739.6M |
Official Q2 2026 call report PDF (FFIEC) →
Commencement 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 · Commencement Bank balance sheet trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Assets | RCON2170 | $739.6M |
| Total Liabilities, Limited-life Preferred Stock, and Equity Capital | RCON3300 | $739.6M |
| Total Liabilities and Minority Interest | RCON2948 | $672.5M |
| Total Deposits | RCON2200 | $660.2M |
| Loans and Leases, Net of Unearned Income - Totals | RCONB528 | $556.6M |
| Loans and Leases, Net of Unearned Income and Allowance | RCONB529 | $550.0M |
| Total Interest-bearing Deposits in Foreign and Domestic Offices | RCON6636 | $460.5M |
| Deposits: Noninterest-bearing | RCON6631 | $199.7M |
| Available-for-sale debt securities (from Schedule RC-B, column D) | RCON1773 | $74.0M |
| Total Equity Capital | RCON3210 | $67.1M |
| Total Equity Capital Including Noncontrolling Minority Interests in Consolidated Subsidiaries | RCONG105 | $67.1M |
| Surplus | RCON3839 | $47.0M |
| Federal Funds Sold | RCONB987 | $37.4M |
| Other Assets | RCON2160 | $28.1M |
| Interest-bearing Balances | RCON0071 | $25.8M |
| Undivided Profits and Capital Reserves | RCON3632 | $25.0M |
| Premises and Fixed Assets (Including Capitalized Leases) | RCON2145 | $13.3M |
| Other Liabilities, Total | RCON2930 | $12.3M |
| Noninterest-bearing Balances and Currency and Coin | RCON0081 | $9.8M |
| Accumulated Other Comprehensive Income | RCONB530 | -$9.2M |
| Allowance for Loan and Lease Losses | RCON3123 | $6.5M |
| Common Stock | RCON3230 | $4.2M |
| Goodwill | RCON3163 | $1.2M |
| Intangible Assets | RCON2143 | $1.2M |
Schedule RI: Income Statement (36 items)
About Schedule RI · Commencement Bank income statement trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Interest Income | RIAD4107 | $18.2M |
| Interest and Fee Income on Loans, Total | RIAD4010 | $16.3M |
| Net Interest Income | RIAD4074 | $13.9M |
| Total Noninterest Expense | RIAD4093 | $10.1M |
| Interest and Fee Income on All Other Loans Secured by Real Estate | RIAD4436 | $8.6M |
| Salaries and Employee Benefits | RIAD4135 | $6.7M |
| Total Interest Expense | RIAD4073 | $4.3M |
| Income (Loss) Before Applicable Income Taxes and Discontinued Operations | RIAD4301 | $4.2M |
| Income (loss) before change in net unrealized holding gains (losses) on equity securities not held for trading, applicable income taxes, and discontinued operations operations (item 3 plus or minus items 4, 5.m, 6.a, 6.b, and 7.e) | RIADHT69 | $4.2M |
| Interest and Fee Income on Commercial and Industrial Loans | RIAD4012 | $4.2M |
| Income (Loss) Before Discontinued Operations | RIAD4300 | $3.5M |
| Net Income (Loss) | RIAD4340 | $3.5M |
| Net Income (Loss) Attributable to Bank and Noncontrolling Minority Interests | RIADG104 | $3.5M |
| Interest and Fee Income on Loans Secured by 1-4 Family Residential Properties | RIAD4435 | $2.7M |
| Other Noninterest Expense | RIAD4092 | $2.5M |
| Savings Deposits (Including Mmdas) | RIAD0093 | $2.0M |
| Interest on Transaction Accounts (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) | RIAD4508 | $1.2M |
| Expenses of Premises and Fixed Assets | RIAD4217 | $938K |
| Interest Income on Balances Due from Depository Institutions | RIAD4115 | $886K |
| Total Noninterest Income | RIAD4079 | $863K |
| Interest and Dividend Income on Securities: Mortgage-backed Securities | RIADB489 | $760K |
| Applicable Income Taxes | RIAD4302 | $726K |
| Other Noninterest Income | RIADB497 | $697K |
| Interest and Fee Income on All Other Loans in Domestic Offices | RIAD4058 | $656K |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of More Than 250000 | RIADHK04 | $598K |
| Estimated Income on Tax-exempt Loans and Leases to States and Political Subdivisions in the U.S. | RIAD4313 | $545K |
| Provisions for Credit Losses on Financial Assets | RIADJJ33 | $440K |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of 250000 or Less | RIADHK03 | $399K |
| Provision for Loan and Lease Losses | RIAD4230 | $385K |
| Service Charges on Deposit Accounts in Domestic Offices | RIAD4080 | $166K |
| 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 | $134K |
| Interest Income on Federal Funds Sold and Securities Purchased Under Agreements to Resell | RIAD4020 | $89K |
| Interest and Dividend Income on Securities: U.S. Treasury Securities and U.S. Government Agency Obligations (Excluding Mortgage-backed Securities) | RIADB488 | $89K |
| Other Interest Income | RIAD4518 | $58K |
| Interest on Other Securities | RIAD4060 | $49K |
| Number of Full Time Equivalent Employees on Payroll at End of Current Period | RIAD4150 | 83 |
Schedule RC-B: Securities (22 items)
About Schedule RC-B · Commencement 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 | $32.2M |
| Mortgage-backed Securities (MBS): Other Residential MBS (Include Cmos, REMICS, and Stripped MBS): Issued or Guaranteed by FNMA, FHLMC, or GNMA - Available-for-sale Fair Value | RCONG315 | $28.5M |
| Total Amortized Cost of Available-for-sale Securities | RCON1772 | $85.6M |
| OTHER MORTGAGE-BACKED SECURITIES (INCLUDE CMOs, REMICs, AND STRIPPED MBS) WITH AN EXPECTED AVERAGE LIFE OF OVER THREE YEARS | RCONA562 | $43.0M |
| Mortgage-backed Securities (Mbs):commercial MBS: Other Commercial MBS :Issued or Guaranteed by Fnma,fhlmc or GNMA: Available-for-sale Amortized Cost | RCONK152 | $23.3M |
| Mortgage backed securities (MBS), Issued or guarnteed by FNMA, FHLMC, or GNMA, Available for sale, Amortized Cost | RCONHT56 | $18.8M |
| Mortgage-backed Securities (Mbs):commercial MBS: Other Commercial MBS :Issued or Guaranteed by Fnma,fhlmc or GNMA: Available-for-sale Fair Value | RCONK153 | $18.1M |
| Mortgage backed securities (MBS), Issued or guarnteed by FNMA, FHLMC, or GNMA, Available for sale, Fair Value | RCONHT57 | $16.7M |
| 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 | $9.0M |
| US government agency obligations (exclude mortgage-backed securities), Available for sale, Amortized Cost | RCONHT52 | $8.9M |
| US government agency obligations (exclude mortgage-backed securities), Available for sale, Fair Value | RCONHT53 | $8.3M |
| 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 | $7.5M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Years Through Five Years | RCONA552 | $3.6M |
| OTHER MORTGAGE-BACKED SECURITIES (INCLUDE CMOs, REMICs, AND STRIPPED MBS) WITH AN EXPECTED AVERAGE LIFE OF THREE YEARS OR LESS | RCONA561 | $3.5M |
| 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 | $3.0M |
| Amortized Cost of Other Available-for-sale Domestic Debt Securities | RCON1739 | $2.5M |
| Fair Value of Other Available-for-sale Domestic Debt Securities | RCON1741 | $2.5M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONA550 | $2.5M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Five Years Through Fifteen Years | RCONA553 | $1.6M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONA556 | $123K |
| Unallocated portfolio layer fair value hedge basis adjustments | RCONMG95 | -$79K |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONA555 | $30K |
Schedule RC-C, Part I: Loans and Leases (32 items)
About Schedule RC-C, Part I · Commencement Bank loans and leases trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Loans and Leases, Net of Unearned Income | RCON2122 | $556.6M |
| Pledged Loans and Leases | RCONG378 | $258.3M |
| 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 Five Years Through 15 Years | RCONA574 | $194.5M |
| Loans Secured by Other Nonfarm Nonresidential Properties. | RCONF161 | $139.0M |
| 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 Three Years Through Five Years | RCONA573 | $127.6M |
| Commercial and Industrial Loans | RCON1766 | $125.5M |
| Loans Secured by Owner Occupied Nonfarm Nonresidential Properties | RCONF160 | $119.6M |
| 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 One Year Through Three Years | RCONA572 | $70.8M |
| 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 Three Months or Less | RCONA570 | $67.8M |
| Fixed Rate and Floating Rate Loans and Leases with a Remaining Maturity of One Year or Less | RCONA247 | $58.6M |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by First Liens | RCON5367 | $47.3M |
| Real Estate Loans Secured by Multi-family (5 or More) Residential Properties | RCON1460 | $39.9M |
| 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 15 Years | RCONA575 | $36.7M |
| Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit | RCON1797 | $33.7M |
| Adjustable Rate Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties | RCON5370 | $25.0M |
| Obligations (Other Than Securities and Leases) of States and Political Subdivisions in the U.S. | RCON2107 | $22.5M |
| 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 | $20.9M |
| 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 | $14.8M |
| 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 Months Through 12 Months | RCONA571 | $12.3M |
| Loans Secured by 1-4 Family Residential Construction | RCONF158 | $11.6M |
| Loans Secured by Other Construction Loans and All Land Development and Other Land Loans | RCONF159 | $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 One Year Through Three Years | RCONA566 | $6.9M |
| 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 15 Years | RCONA569 | $3.0M |
| Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper): Other Revolving Credit Plans | RCONB539 | $2.8M |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by Junior Liens | RCON5368 | $1.8M |
| Real Estate Loans Secured by Farmland | RCON1420 | $1.4M |
| Other Consumer Loans to Individuals for Household, Family, and Other Personal Expenditures (Includes Single Payment, Installment, and All Student Loans) | RCONK207 | $1.0M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Three Months or Less | RCONA564 | $997K |
| Unearned Income on Loans | RCON2123 | $940K |
| 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 | $682K |
| Loans to Finance Commercial Real Estate, Construction, and Land Development Activities Included in Items 1766, 1563 for (Fr Y-9C), in Items 1766, 1563 for (FFIEC 031), in Items 1766, 1564 for (FFIEC 032 and 033), and in Items 1766, 2080 for (FFIEC 034) | RCON2746 | $330K |
| Automobile Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper) | RCONK137 | $206K |
Schedule RC-C, Part II: Loans to Small Businesses and Small Farms (16 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 | $53.8M |
| 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 | $46.2M |
| 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 | $15.6M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5571 | $6.0M |
| 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 | $4.8M |
| 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 | $326K |
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5565 | $179K |
| Amount Currently Outstanding of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5579 | $74K |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5570 | 255 |
| 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 | 197 |
| 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 | 162 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5568 | 100 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5566 | 31 |
| 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 | 4 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5564 | 4 |
| Number of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5578 | 2 |
Schedule RC-E: Deposit Liabilities (29 items)
About Schedule RC-E · Commencement Bank deposit liabilities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Transaction Accounts | RCON2215 | $413.1M |
| Total Transaction Accounts - Deposits of Individuals, Partnerships, and Corporation | RCONB549 | $395.3M |
| Total Nontransaction Accounts (Including Mmda's) | RCON2385 | $247.1M |
| Total Nontransaction Accounts Deposits of Individuals, Partnerships, and Corporations | RCONB550 | $237.1M |
| Total Demand Deposits (See Note Below) | RCON2210 | $199.6M |
| Money Market Deposit Accounts (Mmda's) | RCON6810 | $179.5M |
| Total reciprocal deposits | RCONJH83 | $129.1M |
| Sweep deposits: Fully insured, non-affiliate sweep deposits | RCONMT91 | $121.9M |
| Total sweep deposits that are not brokered deposits | RCONMT95 | $121.9M |
| Components of Total Nontransaction Accounts: Total Time Deposits of More Than $250,000 | RCONJ474 | $34.7M |
| Time Deposits of More Than $250,000 with a Remaining Maturity of One or Year Less | RCONK222 | $33.4M |
| Time Deposits of 250000 or Less with a Remaining Maturity of One Year or Less | RCONHK11 | $23.5M |
| 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 Over Three Months Through 12 Months | RCONHK13 | $20.8M |
| Components of Total Nontransaction Accounts: Total Time Deposits of $100,000 Through $250,000 | RCONJ473 | $19.1M |
| Total Transaction Accounts - Deposits of States and Political Subdivisions in the U.S. | RCON2203 | $17.5M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONHK07 | $15.6M |
| 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 | $12.6M |
| Total Nontransaction Accounts of States and Political Subdivisions in the U.S. | RCON2530 | $9.1M |
| Other Nontransaction Savings Deposits (Excludes Mmda's) | RCON0352 | $8.2M |
| 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 | $7.9M |
| Total Time Deposits of Less Than $100,000 | RCON6648 | $5.6M |
| All Time and Savings Deposits Held in IRA and Keogh Plan Accounts | RCON6835 | $4.3M |
| 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 | $1.2M |
| 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 | $970K |
| Individual Retirement Accounts (Iras) and Keogh Plan Accounts Included in Memorandum Item 2.C, 'Total Time Deposits of $100,000 or More,' Above | RCONF233 | $968K |
| Estimated Amount of Deposits Obtained Through the Use of Deposit Listing Services That Are Not Brokered Deposits | RCONK223 | $889K |
| Total Nontransaction Accounts of Commercial Banks and Other Depository Institutions in the U.S. | RCONB552 | $889K |
| 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 | $279K |
| Total Transaction Accounts - Deposits of Commercial Banks and Other Depository Institutions in the U.S. | RCONB551 | $249K |
Schedule RC-F: Other Assets (7 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Life Insurance Assets: General Account Life Insurance Assets | RCONK201 | $17.8M |
| Net Deferred Tax Assets | RCON2148 | $3.6M |
| Accrued Interest Receivable | RCONB556 | $2.4M |
| Other Assets | RCON2168 | $2.3M |
| Historical Cost of All Other Available-for-sale Equity Securities | RCON1752 | $2.0M |
| Prepaid Expenses | RCON2166 | $1.2M |
| First Itemized Amount That Exceeds 25% of All Other Assets (2168) | RCON3549 | $707K |
Schedule RC-G: Other Liabilities (5 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| All Other Liabilities | RCON2938 | $10.5M |
| Operating lease liabilities | RCONLB56 | $8.1M |
| Other Expenses Accrued and Unpaid | RCON3646 | $949K |
| Allowance for Credit Losses on Off-balance Sheet Credit Exposures | RCONB557 | $454K |
| Interest Accrued and Unpaid on Deposits (in Domestic Offices) | RCON3645 | $369K |
Schedule RC-K: Quarterly Averages (15 items)
About Schedule RC-K · Commencement Bank quarterly averages trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Quarterly Average of Total Assets | RCON3368 | $729.9M |
| Quarterly Average of Total Loans | RCON3360 | $546.7M |
| Quarterly Average of All Other Loans Secured by Real Estate | RCON3466 | $303.0M |
| Transaction Accounts (in Domestic Offices) (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) - Quarterly Average | RCON3485 | $207.9M |
| Nontransaction Accounts in Domestic Offices: Savings Deposits | RCONB563 | $186.5M |
| Quarterly Average of Commercial and Industrial Loans | RCON3387 | $126.1M |
| Quarterly Average of Loans Secured by 1-4 Family Residential Properties | RCON3465 | $91.9M |
| Mortgage-backed Securities | RCONB559 | $75.3M |
| Quarterly Average of Interest-bearing Balances Due from Depository Institutions | RCON3381 | $44.1M |
| Liabilities, Nontransaction Accounts, Time Deposits of More Than 250000 | RCONHK17 | $34.6M |
| Liabilities, Nontransaction Accounts, Time Deposits of 250000 or Less | RCONHK16 | $26.0M |
| U.S. Treasury Securities and U.S. Government Agency Obligations (Excluding Mortgage-backed Securities) | RCONB558 | $9.1M |
| Quarterly Average of Federal Funds Sold and Securities Purchased Under Agreements to Resell | RCON3365 | $5.9M |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Other | RCONB562 | $4.7M |
| All Other Securities | RCONB560 | $2.5M |
Schedule RC-L: Derivatives and Off-Balance-Sheet Items (10 items)
About Schedule RC-L · Commencement Bank derivatives and off-balance-sheet items trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Other Unused Commitments: Commercial and Industrial Loans | RCONJ457 | $83.2M |
| Total Gross Notional Amount of Interest Rate Derivative Contracts Held for Purposes Other Than Trading: Contracts Marked to Market | RCON8725 | $40.0M |
| Unused Commitments - Revolving, Open-end Lines Secured by 1-4 Family Residential Properties | RCON3814 | $39.0M |
| All Other Off-balance Sheet Liabilities | RCON3430 | $20.5M |
| Standby Letters of Credit Issued by a Federal Home Loan Bank on the Bank's Behalf | RCONC978 | $20.5M |
| Commercial Real Estate, Other Construction Loan and Land Development Loan Commitments | RCONF165 | $10.8M |
| Year-to-date Merchant Credit Card Sales Volume:sales for Which the Reporting Bank Is the Agent Bank with Risk | RCONC224 | $7.0M |
| Other Unused Commitments: All Other Unused Commitments | RCONJ459 | $6.0M |
| 1-4 Family Residential Construction Loan Commitments | RCONF164 | $5.7M |
| Financial Standby Letters of Credit and Foreign Office Guarantees | RCON3819 | $1.6M |
Schedule RC-M: Memoranda (2 items)
About Schedule RC-M · Commencement 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 | $10.7M |
| 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 | 1 |
Schedule RC-N: Past Due and Nonaccrual Loans, Leases, and Other Assets (6 items)
About Schedule RC-N · Commencement Bank past due and nonaccrual loans, leases, and other assets trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Loans and Lease Financing Receivables: Past Due 30-89 Days and Still Accruing | RCON1406 | $1.4M |
| Loans Secured by Owner-occupied Nonfarm Nonresidential Properties, 30-89 Days Past Due | RCONF178 | $957K |
| Commercial and Industrial Loans - Nonaccrual | RCON1608 | $488K |
| Total Loans and Lease Finance Receivables: Nonaccrual | RCON1403 | $488K |
| 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 | $422K |
| Commercial and Industrial Loans - Past Due 30-89 Days and Still Accruing | RCON1606 | $63K |
Schedule RC-O: Other Data for Deposit Insurance Assessments (12 items)
About Schedule RC-O · Commencement Bank other data for deposit insurance assessments trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average Consolidated Total Assets for the Calendar Quarter | RCONK652 | $729.9M |
| Total Deposit Liabilities as Defined in Section 3(1) of the Federal Deposit Insurance Act Before Exclusions | RCONF236 | $660.5M |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF051 | $386.9M |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of $250,000 or Less | RCONF049 | $269.1M |
| Average Tangible Equity for the Calendar Quarter | RCONK654 | $71.7M |
| Amount of Retirement Deposits Accounts of $250,000 or Less | RCONF045 | $4.2M |
| Amount of Retirement Deposit Accounts of More Than $250,000 | RCONF047 | $316K |
| Number of Deposit Accounts (Excluding Retirement Accounts)of $250,000 or Less | RCONF050 | 6,014 |
| Number of Retirement Deposit Accounts of $250,000 or Less | RCONF046 | 404 |
| Number of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF052 | 387 |
| Averaging Method Used | RCONK653 | 1 |
| Number of Retirement Deposit Accounts of More Than $250,000 | RCONF048 | 1 |
Schedule RC-R: Regulatory Capital (1 item)
About Schedule RC-R · Commencement 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 | $579.9M |
Schedule RC-R, Part I: Regulatory Capital Components and Ratios (23 items)
About Schedule RC-R, Part I · Commencement Bank regulatory capital components and ratios trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average total consolidated assets | RCOAKW03 | $729.9M |
| Average Total Assets (Net of Deductions) | RCOAA224 | $728.7M |
| Risk-weighted Assets (Net of Allowances and Other Deductions) | RCOAA223 | $579.9M |
| Total Qualifying Capital Allowable Under the Risk-based Capital Guidelines | RCOA3792 | $82.1M |
| Common Equity Tier 1 Capital | RCOAP859 | $75.1M |
| Subtotal of Common Equity Tier 1 Capital: Adjustments and Deductions | RCOAP852 | $75.1M |
| Tier 1 Capital Allowable Under the Risk-based Capital Guidelines | RCOA8274 | $75.1M |
| Common Equity Tier 1 Capital Before Adjustments and Deductions | RCOAP840 | $67.1M |
| Common Equity Tier 1 Capital: Common Stock Plus Related Surplus, Net of Treasury Stock and Unearned Employee Stock Ownership Plan (ESOP) Shares | RCOAP742 | $51.2M |
| Retained Earnings | RCOAKW00 | $25.0M |
| Accumulated Other Comprehensive Income | RCOAB530 | -$9.2M |
| 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 | -$9.2M |
| General Loan and Lease Valuation Allowances | RCOA5310 | $7.0M |
| Tier 2 (Supplementary) Capital | RCOA5311 | $7.0M |
| Tier 2 Capital Before Deductions | RCOAP870 | $7.0M |
| Goodwill Net of Associated Deferred Tax Liabilities (Dtls) | RCOAP841 | $1.2M |
| 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 | $1.2M |
| A. AOCI Opt-out Election (Enter '1' for Yes, Enter '0' for No.) | RCOAP838 | 1 |
| Total Risk-based Capital Ratio | RCOA7205 | 0.1415 |
| Common Equity Tier 1 Capital Ratio | RCOAP793 | 0.1295 |
| Tier 1 Risk-based Capital Ratio | RCOA7206 | 0.1295 |
| Tier 1 Leverage Capital Ratio | RCOA7204 | 0.103 |
| Institution-specific Capital Buffer Necessary to Avoid Limitations on Distributions and Discretionary Bonus Payments: Capital Conservation Buffer | RCOAH311 | 0.0615 |
Schedule RC-R, Part II: Risk-Weighted Assets (57 items)
About Schedule RC-R, Part II · Commencement 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 | $579.9M |
| Total Risk-weighted Assets | RCONG641 | $579.9M |
| Risk-weighted Assets by Risk-weighted Category - 100 Pct Risk Weight Category | RCONG637 | $519.4M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 100 Pct Risk Weight Category | RCONG633 | $519.4M |
| Total Balance Sheet Assets - 100 Pct Risk Weight Category | RCOND990 | $490.2M |
| Total Loans and Leases, Net of Unearned Income, All Other Exposures | RCONS457 | $433.4M |
| Loans and Leases, Net of Unearned Income, All Other Exposures - 100 Pct Risk Weight Category | RCONS462 | $394.0M |
| Total Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures | RCONS439 | $122.6M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 20 Pct Risk Weight Category | RCONG631 | $118.3M |
| Total Balance Sheet Assets - 20 Pct Risk Weight Category | RCOND988 | $118.3M |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, Face, Notional or Other Amount | RCONS525 | $83.5M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 0 Pct Risk Weight Category | RCONG630 | $75.6M |
| Total Balance Sheet Assets - 0 Pct Risk Weight Category | RCOND987 | $75.3M |
| Available-for-sale debt securities and equity securities with readily determinable fair values not held for trading purposes, Total Fair Value | RCONJA21 | $74.0M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 50 Pct Risk Weight Category | RCONG632 | $72.2M |
| Total Balance Sheet Assets - 50 Pct Risk Weight Category | RCOND989 | $72.2M |
| Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures - 50 Pct Risk Weight Category | RCONS442 | $67.7M |
| Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures - 100 Pct Risk Weight Category | RCONS443 | $55.0M |
| Available-for-sale Securities - 0 Pct Risk Weight Category | RCOND967 | $44.5M |
| Total All Other Assets | RCOND981 | $42.6M |
| Notional Principal Amounts of Over-the-counter Derivate Contracts, Interest Rate - Over One Year Through Five Years | RCONS583 | $40.0M |
| Unconditionally Cancellable Commitments | RCONS540 | $39.4M |
| All Other Assets - 100 Pct Risk Weight Category | RCOND985 | $38.8M |
| Available-for-sale Securities - 20 Pct Risk Weight Category | RCOND968 | $38.7M |
| Federal Funds Sold in Domestic Offices | RCOND971 | $37.4M |
| Federal Funds Sold in Domestic Offices - 20 Pct Risk Weight Category | RCOND973 | $37.4M |
| Risk-weighted Assets by Risk-weighted Category - 50 Pct Risk Weight Category | RCONG636 | $36.1M |
| Total Cash and Balances Due from Depository Institutions | RCOND957 | $35.6M |
| Loans and Leases, Net of Unearned Income, All Other Exposures - 20 Pct Risk Weight Category | RCONS460 | $33.7M |
| Cash and Balances Due from Depository Institutions - 0 Pct Risk Weight Category | RCOND958 | $27.7M |
| Risk-weighted Assets by Risk-weighted Category - 20 Pct Risk Weight Category | RCONG635 | $23.7M |
| Unused Commitments, Original Maturity Exceeding One Year - Face, Notional, or Other Amount | RCONG624 | $21.8M |
| Total Balance Sheet Assets - Adjustments to Total Reported in Column a | RCONS500 | -$16.9M |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, 100% | RCONS530 | $16.7M |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, Credit Equivalent Amount | RCONS526 | $16.7M |
| Available-for-sale Securities - Adjustment to Totals Reported in Column a | RCONS402 | -$11.7M |
| Unused Commitments, Original Maturity Exceeding One Year - 100 Pct Risk Weight Category | RCONG629 | $10.9M |
| Unused Commitments, Original Maturity Exceeding One Year - Credit Equivalent Amount | RCONG625 | $10.9M |
| Cash and Balances Due from Depository Institutions - 20 Pct Risk Weight Category | RCOND959 | $7.8M |
| Loans and Leases, Net of Unearned Income, All Other Exposures - 50 Pct Risk Weight Category | RCONS461 | $4.2M |
| Available-for-sale Securities - 100 Pct Risk Weight Category | RCOND970 | $2.5M |
| Financial Standby Letters of Credit - 100 Pct Risk Weight Category | RCOND996 | $1.6M |
| Financial Standby Letters of Credit - Credit Equivalent Amount | RCOND992 | $1.6M |
| Financial Standby Letters of Credit - Face, Notional, or Other Amount | RCOND991 | $1.6M |
| Loans and Leases, Net of Unearned Income, All Other Exposures - 0 Pct Risk Weight Category | RCONS459 | $1.6M |
| All Other Assets - 0 Pct Risk Weight Category | RCOND982 | $1.5M |
| All Other Assets - Adjustments to Totals Reported in Column a | RCONS469 | $1.3M |
| All Other Assets - 20 Pct Risk Weight Category | RCOND983 | $742K |
| Risk-weighted Assets by Risk-weighted Category - 150 Pct Risk Weight Category | RCONS572 | $732K |
| Loans and Leases, Net of Unearned Income, Exposures Past Due 90 Days or More or on Nonaccrual - 150 Pct Risk Weight Category | RCONS455 | $488K |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 150 Pct Risk Weight Category | RCONS561 | $488K |
| Total Balance Sheet Assets - 150 Pct Risk Weight Category | RCONS503 | $488K |
| Total Loans and Leases, Net of Unearned Income, Exposures Past Due 90 Days or More or on Nonaccrual | RCONS449 | $488K |
| All Other Assets - 50 Pct Risk Weight Category | RCOND984 | $323K |
| Over-the-counter Derivatives - 0 Pct Risk Weight Category | RCONS543 | $278K |
| Over-the-counter Derivatives - Credit Equivalent Amount | RCONS542 | $278K |
| Current Credit Exposure Across All Derivative Contracts Covered by the Regulatory Capital Rules | RCONG642 | $78K |
Schedule RI-A: Changes in Bank Equity Capital (7 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Equity Capital | RIAD3210 | $67.1M |
| Balance End of Previous Calendar Year as Restated | RIADB508 | $60.0M |
| Equity Capital, Most Recently Reported for the End of Previous Calendar Year (I.e., After Adjustments from Amended Reports of Income) | RIAD3217 | $60.0M |
| Other Transactions with Stockholders (Including Parent Holding Company) | RIAD4415 | $4.5M |
| Cash Dividends Declared on Common Stock | RIAD4460 | $1.1M |
| Sale, Conversion, Acquisition, or Retirement of Capital Stock, Net (Excluding Treasury Stock Transactions) | RIADB509 | $542K |
| Other Comprehensive Income | RIADB511 | -$306K |
Schedule RI-B, Part I: Charge-offs and Recoveries on Loans and Leases (5 items)
About Schedule RI-B, Part I · Commencement 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 | $131K |
| Charge-offs on Commercial and Industrial Loans | RIAD4638 | $127K |
| Charge-offs All Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADK205 | $4K |
| Recoveries All Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADK206 | $1K |
| Recoveries on Allowance for Loan and Lease Losses | RIAD4605 | $1K |
Schedule RI-B, Part II: Changes in Allowances for Credit Losses (4 items)
About Schedule RI-B, Part II · Commencement Bank changes in allowances for credit losses trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Allowance for Loan and Lease Losses | RIAD3123 | $6.5M |
| Balance Most Recently Reported for the December 31, 2000, Reports of Condition and Income(i.e., After Adjustments from Amended Report of Income) | RIADB522 | $6.3M |
| Charge-offs on Allowance for Loan and Lease Losses | RIADC079 | $131K |
| Provisions for credit losses on off-balance-sheet exposures | RIADMG93 | $55K |
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 | $4.5M |
Commencement 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 Commencement Bank call report?
The Commencement 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 Commencement Bank file?
Commencement 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 Commencement Bank call report number?
A call report has no number of its own. It is filed and looked up by the bank's identifiers: Commencement Bank has Federal Reserve RSSD ID 3537897 and FDIC certificate number 58446. Either one finds its filings on the FFIEC Central Data Repository.
How often does Commencement 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.
Commencement 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 58446) · FFIEC NIC profile (RSSD 3537897)