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Bank call report · Douglas, WY

The Converse County Bank Call Report

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The Converse County Bank filed its latest call report for the quarter ended June 30, 2026 on the FFIEC 051. Below are its 364 reported line items, schedule by schedule (774 items filed as zero are left out). The official PDF is on the FFIEC Central Data Repository.

The Converse County Bank call report filing details
Call report formFFIEC 051
Latest quarter filedQ2 2026 (June 30, 2026)
Federal Reserve RSSD ID72258
FDIC certificate number12591
Total assets$1.09B

Official Q2 2026 call report PDF (FFIEC) →

The Converse County 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 Converse County Bank balance sheet trends

The Converse County Bank Schedule RC, Q2 2026
Line item Code Q2 2026
Total Assets RCON2170 $1.09B
Total Liabilities, Limited-life Preferred Stock, and Equity Capital RCON3300 $1.09B
Total Liabilities and Minority Interest RCON2948 $988.5M
Total Deposits RCON2200 $982.6M
Total Interest-bearing Deposits in Foreign and Domestic Offices RCON6636 $854.8M
Held-to-maturity Securities, Total RCON1754 $313.0M
Held to maturity securities (ASU 2016-13 adoption) RCONJJ34 $313.0M
Loans and Leases, Net of Unearned Income - Totals RCONB528 $308.8M
Loans and Leases, Net of Unearned Income and Allowance RCONB529 $305.4M
Available-for-sale debt securities (from Schedule RC-B, column D) RCON1773 $247.0M
Interest-bearing Balances RCON0071 $212.9M
Deposits: Noninterest-bearing RCON6631 $127.8M
Total Equity Capital RCON3210 $104.8M
Total Equity Capital Including Noncontrolling Minority Interests in Consolidated Subsidiaries RCONG105 $104.8M
Undivided Profits and Capital Reserves RCON3632 $95.1M
Other Assets RCON2160 $9.8M
Surplus RCON3839 $9.5M
Other Liabilities, Total RCON2930 $5.9M
Allowance for Loan and Lease Losses RCON3123 $3.4M
Premises and Fixed Assets (Including Capitalized Leases) RCON2145 $2.5M
Noninterest-bearing Balances and Currency and Coin RCON0081 $2.2M
Loans and Leases Held for Sale RCON5369 $407K
Accumulated Other Comprehensive Income RCONB530 $115K
Common Stock RCON3230 $100K
Schedule RI: Income Statement (37 items)

About Schedule RI · The Converse County Bank income statement trends

The Converse County Bank Schedule RI, Q2 2026
Line item Code Q2 2026
Total Interest Income RIAD4107 $23.2M
Total Interest Expense RIAD4073 $12.2M
Net Interest Income RIAD4074 $11.0M
Interest and Fee Income on Loans, Total RIAD4010 $9.3M
Income (Loss) Before Applicable Income Taxes and Discontinued Operations RIAD4301 $6.8M
Income (Loss) Before Discontinued Operations RIAD4300 $6.8M
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 $6.8M
Net Income (Loss) RIAD4340 $6.8M
Net Income (Loss) Attributable to Bank and Noncontrolling Minority Interests RIADG104 $6.8M
Total Noninterest Expense RIAD4093 $5.9M
Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of More Than 250000 RIADHK04 $5.7M
Interest and Dividend Income on Securities: Mortgage-backed Securities RIADB489 $5.3M
Interest and Dividend Income on Tax-exempt Securities Issued by States and Political Subdivisions in the U.S. RIAD4507 $4.5M
Interest on Other Securities RIAD4060 $4.5M
Interest Income on Balances Due from Depository Institutions RIAD4115 $4.0M
Savings Deposits (Including Mmdas) RIAD0093 $3.5M
Interest and Fee Income on Commercial and Industrial Loans RIAD4012 $3.2M
Salaries and Employee Benefits RIAD4135 $3.2M
Interest and Fee Income on All Other Loans Secured by Real Estate RIAD4436 $2.6M
Other Noninterest Expense RIAD4092 $2.5M
Total Noninterest Income RIAD4079 $2.1M
Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of 250000 or Less RIADHK03 $1.7M
Interest and Fee Income on Loans Secured by 1-4 Family Residential Properties RIAD4435 $1.3M
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 $1.3M
Interest on Transaction Accounts (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) RIAD4508 $1.2M
Other Noninterest Income RIADB497 $959K
Interest and Fee Income on All Other Loans in Domestic Offices RIAD4058 $842K
Interest and Fee Income on Loans to Finance Agricultural Production and Other Loans to Farmers in Domestic Offices RIAD4024 $842K
Service Charges on Deposit Accounts in Domestic Offices RIAD4080 $303K
Provisions for Credit Losses on Financial Assets RIADJJ33 $285K
Provision for Loan and Lease Losses RIAD4230 $260K
Expenses of Premises and Fixed Assets RIAD4217 $239K
Loans to Individuals for Households, Family, and Other Personal Expenditures: Credit Cards RIADB485 $91K
Net Gains (Losses) on Sales of Loans RIAD5416 $67K
Other Interest Income RIAD4518 $18K
Noninterest income: Income from insurance activities RIADHT74 -$1K
Number of Full Time Equivalent Employees on Payroll at End of Current Period RIAD4150 63
Schedule RC-B: Securities (29 items)

About Schedule RC-B · The Converse County Bank securities trends

The Converse County Bank Schedule RC-B, Q2 2026
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 $219.1M
Mortgage-backed Securities (MBS): Other Residential MBS (Include Cmos, REMICS, and Stripped MBS): Issued or Guaranteed by FNMA, FHLMC, or GNMA - Available-for-sale Fair Value RCONG315 $217.6M
Mortgage-backed Securities (MBS): Other Residential MBS (Include Cmos, REMICS, and Stripped MBS): Issued or Guaranteed by FNMA, FHLMC, or GNMA - Held-to-maturity Amortized Cost RCONG312 $15.2M
Mortgage-backed Securities (MBS): Other Residential MBS (Include Cmos, REMICS, and Stripped MBS): Issued or Guaranteed by FNMA, FHLMC, or GNMA - Held-to-maturity Fair Value RCONG313 $12.9M
Total Fair Value of Held-to-maturity Securities RCON1771 $301.5M
Amortized Cost of Held-to-maturity Securities Issued by States and Political Subdivisions in the U.S. RCON8496 $297.8M
Fair Value of Held-to-maturity Securities Issued by States and Political Subdivisions in the U.S. RCON8497 $288.6M
Total Amortized Cost of Available-for-sale Securities RCON1772 $247.8M
OTHER MORTGAGE-BACKED SECURITIES (INCLUDE CMOs, REMICs, AND STRIPPED MBS) WITH AN EXPECTED AVERAGE LIFE OF OVER THREE YEARS RCONA562 $225.7M
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 $217.6M
Pledged Securities RCON0416 $211.8M
Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Five Years Through Fifteen Years RCONA553 $72.7M
Mortgage backed securities (MBS), Issued or guarnteed by FNMA, FHLMC, or GNMA, Available for sale, Fair Value RCONHT57 $15.3M
Mortgage backed securities (MBS), Issued or guarnteed by FNMA, FHLMC, or GNMA, Available for sale, Amortized Cost RCONHT56 $15.0M
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 Three Months of Less RCONA549 $12.7M
Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Three Months or Less RCONA555 $10.4M
Asset-backed securities and structured financial products, Structured financial products, Available for sale, Fair Value RCONHT61 $9.9M
Asset-backed securities and structured financial products, Structured financial products, Available for sale, Amortized Cost RCONHT60 $9.3M
OTHER MORTGAGE-BACKED SECURITIES (INCLUDE CMOs, REMICs, AND STRIPPED MBS) WITH AN EXPECTED AVERAGE LIFE OF THREE YEARS OR LESS RCONA561 $9.3M
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 Three Months Through 12 Months RCONA556 $4.8M
Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Years Through Five Years RCONA552 $4.1M
Mortgage-backed Securities (Mbs):commercial MBS: Other Commercial MBS :Issued or Guaranteed by Fnma,fhlmc or GNMA: Available-for-sale Amortized Cost RCONK152 $2.4M
Mortgage-backed Securities (Mbs):commercial MBS: Other Commercial MBS :Issued or Guaranteed by Fnma,fhlmc or GNMA: Available-for-sale Fair Value RCONK153 $2.3M
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 $2.0M
US government agency obligations (exclude mortgage-backed securities), Available for sale, Fair Value RCONHT53 $2.0M
US government agency obligations (exclude mortgage-backed securities), Available for sale, Amortized Cost RCONHT52 $2.0M
Fixed Rate and Floating Rate Debt Securities with a Remaining Maturity of One Year or Less RCONA248 $1.7M
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 $490K
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 One Year Through Three Years RCONA557 $49K
Schedule RC-C, Part I: Loans and Leases (36 items)

About Schedule RC-C, Part I · The Converse County Bank loans and leases trends

The Converse County Bank Schedule RC-C, Part I, Q2 2026
Line item Code Q2 2026
Total Loans and Leases, Net of Unearned Income RCON2122 $309.3M
Commercial and Industrial Loans RCON1766 $107.7M
All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Months Through 12 Months RCONA571 $70.5M
Fixed Rate and Floating Rate Loans and Leases with a Remaining Maturity of One Year or Less RCONA247 $69.4M
All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Years Through Five Years RCONA573 $64.8M
All Other Loans Secured by 1-4 Family Residential Properties: Secured by First Liens RCON5367 $55.6M
Adjustable Rate Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties RCON5370 $44.1M
Real Estate Loans Secured by Farmland RCON1420 $43.5M
All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over One Year Through Three Years RCONA572 $35.1M
All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Five Years Through 15 Years RCONA574 $34.3M
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 $32.0M
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 $30.5M
Loans to Finance Agricultural Production and Other Loans to Farmers RCON1590 $27.3M
Loans Secured by Other Nonfarm Nonresidential Properties. RCONF161 $24.2M
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 Three Months or Less RCONA570 $17.0M
Automobile Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper) RCONK137 $16.4M
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 Months Through 12 Months RCONA565 $14.9M
Other Consumer Loans to Individuals for Household, Family, and Other Personal Expenditures (Includes Single Payment, Installment, and All Student Loans) RCONK207 $14.2M
Loans Secured by Owner Occupied Nonfarm Nonresidential Properties RCONF160 $12.3M
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 Five Years Through 15 Years RCONA568 $4.9M
Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper): Credit Cards RCONB538 $2.8M
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 Three Years Through Five Years RCONA567 $2.7M
All Other Loans Secured by 1-4 Family Residential Properties: Secured by Junior Liens RCON5368 $1.9M
Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Three Months or Less RCONA564 $1.9M
Loans Secured by Other Construction Loans and All Land Development and Other Land Loans RCONF159 $1.8M
Total Loan Modifications to Borrowers Experiencing Financial Difficulty That Are in Compliance with Their Modified Terms RCONHK25 $832K
Loan Modifications to Borrowers Experiencing Financial Difficulty and in Compliance with Modified Terms: Loans Secured by 1-4 Family Residential Properties in Domestic Offices RCONF576 $815K
Lease Financing Receivables (Net of Unearned Income) RCON2165 $696K
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 $598K
Other Loans RCONJ464 $511K
Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper): Other Revolving Credit Plans RCONB539 $284K
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 $270K
Loans Secured by 1-4 Family Residential Construction RCONF158 $101K
Loan Modifications to Borrowers Experiencing Financial Difficulty - Commercial and Industrial Loans RCONK256 $13K
Loan Modifications to Borrowers Experiencing Financial Difficulty - All Other Loans RCONK165 $4K
Loans to Individuals for Household, Family, and Other Personal Expenditures: Other Consumer Loans That Exceed 10 Percent of Total Loan Modifications to Borrowers Experiencing Financial Difficulty That Are in Compliance with Their Modified Terms RCONK204 $4K
Schedule RC-C, Part II: Loans to Small Businesses and Small Farms (24 items)

About Schedule RC-C, Part II

The Converse County Bank Schedule RC-C, Part II, Q2 2026
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 $31.6M
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 $15.8M
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 $10.8M
Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less RCON5571 $8.8M
Amount Currently Outstanding of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 RCON5587 $4.9M
Amount Currently Outstanding of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of More Than $250,000 Through $500,000 RCON5589 $4.6M
Amount Currently Outstanding of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of $100,000 or Less RCON5585 $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 $2.9M
Amount Currently Outstanding of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $250,000 Through $500,000 RCON5583 $1.2M
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 $349K
Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less RCON5565 $215K
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 $96K
Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less RCON5570 263
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 102
Number of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of $100,000 or Less RCON5584 98
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 93
Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 RCON5568 47
Number of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 RCON5586 47
Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 RCON5566 25
Number of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of More Than $250,000 Through $500,000 RCON5588 20
Number of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $250,000 Through $500,000 RCON5582 5
Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less RCON5564 5
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 3
Number of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of $100,000 or Less RCON5578 2
Schedule RC-E: Deposit Liabilities (25 items)

About Schedule RC-E · The Converse County Bank deposit liabilities trends

The Converse County Bank Schedule RC-E, Q2 2026
Line item Code Q2 2026
Total Nontransaction Accounts (Including Mmda's) RCON2385 $696.5M
Total Nontransaction Accounts Deposits of Individuals, Partnerships, and Corporations RCONB550 $598.2M
Components of Total Nontransaction Accounts: Total Time Deposits of More Than $250,000 RCONJ474 $317.3M
Total Transaction Accounts RCON2215 $286.0M
Money Market Deposit Accounts (Mmda's) RCON6810 $234.3M
Time Deposits of More Than $250,000 with a Remaining Maturity of One or Year Less RCONK222 $220.5M
Total Transaction Accounts - Deposits of Individuals, Partnerships, and Corporation RCONB549 $215.8M
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 $174.3M
Total Demand Deposits (See Note Below) RCON2210 $127.8M
Total Nontransaction Accounts of States and Political Subdivisions in the U.S. RCON2530 $98.3M
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 $75.1M
Time Deposits of 250000 or Less with a Remaining Maturity of One Year or Less RCONHK11 $74.9M
Total Transaction Accounts - Deposits of States and Political Subdivisions in the U.S. RCON2203 $70.2M
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 $55.9M
Other Nontransaction Savings Deposits (Excludes Mmda's) RCON0352 $54.5M
Components of Total Nontransaction Accounts: Total Time Deposits of $100,000 Through $250,000 RCONJ473 $50.4M
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 Three Months or Less RCONHK12 $46.2M
Total Time Deposits of Less Than $100,000 RCON6648 $40.0M
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 Years RCONHK15 $21.8M
Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Three Months or Less RCONHK07 $19.0M
Total reciprocal deposits RCONJH83 $16.9M
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 $11.3M
All Time and Savings Deposits Held in IRA and Keogh Plan Accounts RCON6835 $8.9M
Individual Retirement Accounts (Iras) and Keogh Plan Accounts Included in Memorandum Item 2.C, 'Total Time Deposits of $100,000 or More,' Above RCONF233 $4.6M
Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over Three Years RCONHK10 $4.2M
Schedule RC-F: Other Assets (6 items)

About Schedule RC-F

The Converse County Bank Schedule RC-F, Q2 2026
Line item Code Q2 2026
Accrued Interest Receivable RCONB556 $7.6M
Other Assets RCON2168 $1.6M
First Itemized Amount That Exceeds 25% of All Other Assets (2168) RCON3549 $861K
Prepaid Expenses RCON2166 $685K
Historical Cost of All Other Available-for-sale Equity Securities RCON1752 $654K
Second Itemized Amount That Exceeds 25% of All Other Assets (2168) RCON3550 $35K
Schedule RC-G: Other Liabilities (3 items)

About Schedule RC-G

The Converse County Bank Schedule RC-G, Q2 2026
Line item Code Q2 2026
Other Expenses Accrued and Unpaid RCON3646 $3.9M
Interest Accrued and Unpaid on Deposits (in Domestic Offices) RCON3645 $1.8M
Allowance for Credit Losses on Off-balance Sheet Credit Exposures RCONB557 $163K
Schedule RC-K: Quarterly Averages (15 items)

About Schedule RC-K · The Converse County Bank quarterly averages trends

The Converse County Bank Schedule RC-K, Q2 2026
Line item Code Q2 2026
Quarterly Average of Total Assets RCON3368 $1.09B
Liabilities, Nontransaction Accounts, Time Deposits of More Than 250000 RCONHK17 $308.1M
Quarterly Average of Total Loans RCON3360 $307.4M
All Other Securities RCONB560 $294.4M
Nontransaction Accounts in Domestic Offices: Savings Deposits RCONB563 $279.5M
Mortgage-backed Securities RCONB559 $259.6M
Quarterly Average of Interest-bearing Balances Due from Depository Institutions RCON3381 $221.7M
Transaction Accounts (in Domestic Offices) (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) - Quarterly Average RCON3485 $170.6M
Quarterly Average of Commercial and Industrial Loans RCON3387 $106.7M
Quarterly Average of All Other Loans Secured by Real Estate RCON3466 $94.5M
Liabilities, Nontransaction Accounts, Time Deposits of 250000 or Less RCONHK16 $93.9M
Quarterly Average of Loans Secured by 1-4 Family Residential Properties RCON3465 $43.1M
Loans to Individuals for Household, Family, and Other Personal Expenditures: Other RCONB562 $31.1M
Quarterly Average of Loans to Finance Agricultural Production and Other Loans to Farmers RCON3386 $28.6M
Loans to Individuals for Household, Family, and Other Personal Expenditures: Credit Cards RCONB561 $2.7M
Schedule RC-L: Derivatives and Off-Balance-Sheet Items (8 items)

About Schedule RC-L · The Converse County Bank derivatives and off-balance-sheet items trends

The Converse County Bank Schedule RC-L, Q2 2026
Line item Code Q2 2026
Other Unused Commitments: All Other Unused Commitments RCONJ459 $24.1M
Other Unused Commitments: Commercial and Industrial Loans RCONJ457 $22.2M
Unused Commitments - Credit Card Lines RCON3815 $11.4M
Performance Standby Letters of Credit RCON3821 $4.7M
Financial Standby Letters of Credit and Foreign Office Guarantees RCON3819 $4.0M
Commercial Real Estate, Other Construction Loan and Land Development Loan Commitments RCONF165 $1.3M
1-4 Family Residential Construction Loan Commitments RCONF164 $775K
Commercial Real Estate, Construction, and Land Development: Commitments to Fund Loans Not Secured by Real Estate RCON6550 $80K
Schedule RC-M: Memoranda (2 items)

About Schedule RC-M · The Converse County Bank memoranda trends

The Converse County Bank Schedule RC-M, Q2 2026
Line item Code Q2 2026
Aggregate Amount of All Extensions of Credit to All Executive Officers, Directors, Principal Shareholders, and Their Related Interests RCON6164 $3.3M
Number of Executive Officers, Directors, and Principal Shareholders to Whom the Amount of All Extensions of Credit by the Reporting Bank (Including Extensions of Credit to Related Interests) Equals or Exceeds the Lesser of $500,000 or 5 Percent of Total Capital as Defined for This Purpose in Agency Regulations RCON6165 2
Schedule RC-N: Past Due and Nonaccrual Loans, Leases, and Other Assets (2 items)

About Schedule RC-N · The Converse County Bank past due and nonaccrual loans, leases, and other assets trends

The Converse County Bank Schedule RC-N, Q2 2026
Line item Code Q2 2026
Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens-nonaccural RCONC229 $146K
Total Loans and Lease Finance Receivables: Nonaccrual RCON1403 $146K
Schedule RC-O: Other Data for Deposit Insurance Assessments (13 items)

About Schedule RC-O · The Converse County Bank other data for deposit insurance assessments trends

The Converse County Bank Schedule RC-O, Q2 2026
Line item Code Q2 2026
Average Consolidated Total Assets for the Calendar Quarter RCONK652 $1.09B
Total Deposit Liabilities as Defined in Section 3(1) of the Federal Deposit Insurance Act Before Exclusions RCONF236 $984.4M
Amount of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 RCONF051 $707.0M
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 $300.0M
Amount of Deposit Accounts (Excluding Retirement Accounts) of $250,000 or Less RCONF049 $268.5M
Average Tangible Equity for the Calendar Quarter RCONK654 $104.2M
Amount of Retirement Deposits Accounts of $250,000 or Less RCONF045 $7.0M
Amount of Retirement Deposit Accounts of More Than $250,000 RCONF047 $1.9M
Number of Deposit Accounts (Excluding Retirement Accounts)of $250,000 or Less RCONF050 18,647
Number of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 RCONF052 593
Number of Retirement Deposit Accounts of $250,000 or Less RCONF046 250
Number of Retirement Deposit Accounts of More Than $250,000 RCONF048 5
Averaging Method Used RCONK653 1
Schedule RC-R: Regulatory Capital (1 item)

About Schedule RC-R · The Converse County Bank regulatory capital trends

The Converse County Bank Schedule RC-R, Q2 2026
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 $380.5M
Schedule RC-R, Part I: Regulatory Capital Components and Ratios (22 items)

About Schedule RC-R, Part I · The Converse County Bank regulatory capital components and ratios trends

The Converse County Bank Schedule RC-R, Part I, Q2 2026
Line item Code Q2 2026
Average Total Assets (Net of Deductions) RCOAA224 $1.09B
Average total consolidated assets RCOAKW03 $1.09B
Risk-weighted Assets (Net of Allowances and Other Deductions) RCOAA223 $380.5M
Total Qualifying Capital Allowable Under the Risk-based Capital Guidelines RCOA3792 $108.2M
Common Equity Tier 1 Capital Before Adjustments and Deductions RCOAP840 $104.8M
Common Equity Tier 1 Capital RCOAP859 $104.7M
Subtotal of Common Equity Tier 1 Capital: Adjustments and Deductions RCOAP852 $104.7M
Tier 1 Capital Allowable Under the Risk-based Capital Guidelines RCOA8274 $104.7M
Retained Earnings RCOAKW00 $95.1M
Common Equity Tier 1 Capital: Common Stock Plus Related Surplus, Net of Treasury Stock and Unearned Employee Stock Ownership Plan (ESOP) Shares RCOAP742 $9.6M
General Loan and Lease Valuation Allowances RCOA5310 $3.6M
Tier 2 (Supplementary) Capital RCOA5311 $3.6M
Tier 2 Capital Before Deductions RCOAP870 $3.6M
Less: Net Unrealized Gains (Losses) on Held-to-maturity Securities That Are Included in AOCI (If a Gain, Report as a Positive Value, If a Loss, Report as a Negative Value) RCOAP848 $931K
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 -$816K
Accumulated Other Comprehensive Income RCOAB530 $115K
A. AOCI Opt-out Election (Enter '1' for Yes, Enter '0' for No.) RCOAP838 1
Total Risk-based Capital Ratio RCOA7205 0.2845
Common Equity Tier 1 Capital Ratio RCOAP793 0.2751
Tier 1 Risk-based Capital Ratio RCOA7206 0.2751
Institution-specific Capital Buffer Necessary to Avoid Limitations on Distributions and Discretionary Bonus Payments: Capital Conservation Buffer RCOAH311 0.2045
Tier 1 Leverage Capital Ratio RCOA7204 0.0957
Schedule RC-R, Part II: Risk-Weighted Assets (54 items)

About Schedule RC-R, Part II · The Converse County Bank risk-weighted assets trends

The Converse County Bank Schedule RC-R, Part II, Q2 2026
Line item Code Q2 2026
Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 20 Pct Risk Weight Category RCONG631 $430.4M
Total Balance Sheet Assets - 20 Pct Risk Weight Category RCOND988 $430.4M
Risk-weighted Assets for Purposes of Calculating the Allowance for Loan and Lease Losses 1.25 Percent Threshold RCONS580 $380.5M
Total Risk-weighted Assets RCONG641 $380.5M
Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 0 Pct Risk Weight Category RCONG630 $361.3M
Total Balance Sheet Assets - 0 Pct Risk Weight Category RCOND987 $361.3M
Total Held-to-maturity Securities RCOND961 $313.0M
Held-to-maturity Securities - 20 Pct Risk Weight Category RCOND963 $302.4M
Risk-weighted Assets by Risk-weighted Category - 100 Pct Risk Weight Category RCONG637 $262.1M
Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 100 Pct Risk Weight Category RCONG633 $262.1M
Total Loans and Leases, Net of Unearned Income, All Other Exposures RCONS457 $251.8M
Available-for-sale debt securities and equity securities with readily determinable fair values not held for trading purposes, Total Fair Value RCONJA21 $247.0M
Total Balance Sheet Assets - 100 Pct Risk Weight Category RCOND990 $244.7M
Loans and Leases, Net of Unearned Income, All Other Exposures - 100 Pct Risk Weight Category RCONS462 $238.3M
Total Cash and Balances Due from Depository Institutions RCOND957 $215.1M
Cash and Balances Due from Depository Institutions - 0 Pct Risk Weight Category RCOND958 $215.1M
Available-for-sale Securities - 0 Pct Risk Weight Category RCOND967 $131.3M
Available-for-sale Securities - 20 Pct Risk Weight Category RCOND968 $116.5M
Risk-weighted Assets by Risk-weighted Category - 20 Pct Risk Weight Category RCONG635 $86.1M
Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 50 Pct Risk Weight Category RCONG632 $59.5M
Total Balance Sheet Assets - 50 Pct Risk Weight Category RCOND989 $59.5M
Total Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures RCONS439 $57.1M
Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures - 50 Pct Risk Weight Category RCONS442 $55.0M
Risk-weighted Assets by Risk-weighted Category - 50 Pct Risk Weight Category RCONG636 $29.8M
Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, Face, Notional or Other Amount RCONS525 $27.7M
Total All Other Assets RCOND981 $12.3M
Unused Commitments, Original Maturity Exceeding One Year - Face, Notional, or Other Amount RCONG624 $10.8M
Loans and Leases, Net of Unearned Income, All Other Exposures - 0 Pct Risk Weight Category RCONS459 $9.7M
All Other Assets - 20 Pct Risk Weight Category RCOND983 $7.3M
Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, 100% RCONS530 $5.5M
Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, Credit Equivalent Amount RCONS526 $5.5M
Unused Commitments, Original Maturity Exceeding One Year - 100 Pct Risk Weight Category RCONG629 $5.4M
Unused Commitments, Original Maturity Exceeding One Year - Credit Equivalent Amount RCONG625 $5.4M
Held-to-maturity Securities - 0 Pct Risk Weight Category RCOND962 $5.2M
Performance Standby Letters of Credit and Transaction-related Contingent Items - Face, Notional, or Other Amount RCOND997 $4.7M
Held-to-maturity Securities - 50 Pct Risk Weight Category RCOND964 $4.5M
All Other Assets - 100 Pct Risk Weight Category RCOND985 $4.4M
Financial Standby Letters of Credit - 100 Pct Risk Weight Category RCOND996 $4.0M
Financial Standby Letters of Credit - Credit Equivalent Amount RCOND992 $4.0M
Financial Standby Letters of Credit - Face, Notional, or Other Amount RCOND991 $4.0M
Loans and Leases, Net of Unearned Income, All Other Exposures - 20 Pct Risk Weight Category RCONS460 $3.8M
Total Balance Sheet Assets - Adjustments to Total Reported in Column a RCONS500 -$3.3M
Risk-weighted Assets by Risk-weighted Category - 400 Pct Risk Weight Category RCONS575 $2.6M
Performance Standby Letters of Credit and Transaction-related Contingent Items - 100 Pct Risk Weight Category RCONG605 $2.4M
Performance Standby Letters of Credit and Transaction-related Contingent Items - Credit Equivalent Amount RCOND998 $2.4M
Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures - 100 Pct Risk Weight Category RCONS443 $2.1M
Held-to-maturity Securities - Adjustment to Totals Reported in Column a RCONS399 $923K
Available-for-sale Securities - Adjustment to Totals Reported in Column a RCONS402 -$815K
All Other Assets - 400 Pct Risk Weight Category RCONS470 $654K
Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 400 Pct Risk Weight Category RCONS564 $654K
Total Balance Sheet Assets - 400 Pct Risk Weight Category RCONS506 $654K
Loans and Leases Held for Sale, Residential Mortgage Exposures - 20 Pct Risk Weight Category RCONS415 $407K
Total Loans and Leases Held for Sale, Residential Mortgage Exposures RCONS413 $407K
Cash and Balances Due from Depository Institutions - 20 Pct Risk Weight Category RCOND959 $35K
Schedule RC-T: Fiduciary and Related Services (27 items)

About Schedule RC-T

The Converse County Bank Schedule RC-T, Q2 2026
Line item Code Q2 2026
Total Fiduciary Accounts - Managed Assets RCONB894 $313.8M
Personal Trust and Agency Accounts - Managed Assets RCONB868 $243.5M
Total Fiduciary Accounts - Non-managed Assets RCONB895 $119.7M
Personal Trust and Agency Accounts - Non-managed RCONB869 $109.8M
Investment Management Agency Accounts - Managed Assets RCONB886 $50.0M
Other Retirement Accounts - Managed Assets RCONB880 $19.4M
Fiduciary and Related Assets:individual Retirement Accounts, Health Savings Accounts, and Other Similar Accounts - Managed Assets RCONJ259 $13.4M
Custody and Safekeeping Accounts - Non-managed Assets RCONB898 $12.7M
Fiduciary and Related Assets:individual Retirement Accounts, Health Savings Accounts, and Other Similar Accounts - Non-managed Asset RCONJ260 $9.9M
Other Retirement Accounts - Non-managed Assets RCONB881 $9.9M
Fiduciary and Related Assets:foundation and Endowment Trust and Agency Accounts - Managed Assets RCONJ255 $975K
Income from Fiduciary Activities RIAD4070 $737K
Personal Trust and Agency Accounts RIADB904 $472K
Fiduciary and Related Services Income-investment Management and Investment Advisory Agency Accounts RIADJ315 $173K
Other Retirement Accounts RIADB907 $87K
Fiduciary and Related Services Income-foundation and Endowment Trust and Agency Accounts RIADJ316 $5K
Total Fiduciary Accounts - Number of Managed Accounts RCONB896 306
Total Fiduciary Accounts - Non-managed Accounts RCONB897 139
Personal Trust and Agency Accounts - Number of Managed Accounts RCONB870 107
Fiduciary and Related Assets:individual Retirement Accounts, Health Savings Accounts, and Other Similar Accounts - Number of Managed Accounts RCONJ261 104
Other Retirement Accounts - Number of Managed Accounts RCONB882 104
Investment Management Agency Accounts - Number of Managed Accounts RCONB888 94
Personal Trust and Agency Accounts - Number of Non-managed Accounts RCONB871 75
Fiduciary and Related Assets:individual Retirement Accounts, Health Savings Accounts, and Other Similar Accounts - Number of Non-managed Accounts RCONJ262 64
Other Retirement Accounts - Number of Non-managed Accounts RCONB883 64
Custody and Safekeeping Accounts - Number of Non-managed Accounts RCONB899 9
Fiduciary and Related Assets:foundation and Endowment Trust and Agency Accounts - Number of Managed Accounts RCONJ257 1
Schedule RI-A: Changes in Bank Equity Capital (5 items)

About Schedule RI-A

The Converse County Bank Schedule RI-A, Q2 2026
Line item Code Q2 2026
Total Equity Capital RIAD3210 $104.8M
Balance End of Previous Calendar Year as Restated RIADB508 $99.9M
Equity Capital, Most Recently Reported for the End of Previous Calendar Year (I.e., After Adjustments from Amended Reports of Income) RIAD3217 $99.9M
Cash Dividends Declared on Common Stock RIAD4460 $2.5M
Other Comprehensive Income RIADB511 $510K
Schedule RI-B, Part I: Charge-offs and Recoveries on Loans and Leases (8 items)

About Schedule RI-B, Part I · The Converse County Bank charge-offs and recoveries on loans and leases trends

The Converse County Bank Schedule RI-B, Part I, Q2 2026
Line item Code Q2 2026
Charge-offs on Allowance for Loan and Lease Losses RIAD4635 $44K
Recoveries on Allowance for Loan and Lease Losses RIAD4605 $42K
Recoveries on Automobile Loans RIADK133 $32K
Charge-offs All Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) RIADK205 $29K
Charge-offs on Automobile Loans RIADK129 $15K
Recoveries on Loans to Credit Cards RIADB515 $5K
Recoveries All Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) RIADK206 $3K
Recoveries on Commercial and Industrial Loans RIAD4608 $2K
Schedule RI-B, Part II: Changes in Allowances for Credit Losses (7 items)

About Schedule RI-B, Part II · The Converse County Bank changes in allowances for credit losses trends

The Converse County Bank Schedule RI-B, Part II, Q2 2026
Line item Code Q2 2026
Allowance for Loan and Lease Losses RIAD3123 $3.4M
Balance Most Recently Reported for the December 31, 2000, Reports of Condition and Income(i.e., After Adjustments from Amended Report of Income) RIADB522 $3.1M
Charge-offs on Allowance for Loan and Lease Losses RIADC079 $44K
Provisions for credit losses on off-balance-sheet exposures RIADMG93 $21K
Balance end of current period, Held-to-maturity debt securities RIADJH93 $8K
Balance most recently reported for end of previous calendar year, Report of Condition and Income Held-to-maturity debt securities (i.e., after adjustments from amended Reports of Income) RIADJH88 $4K
Provisions for credit losses, Held-to-maturity debt securities RIADJH90 $4K
Schedule RI-C: Disaggregated Data on the Allowance for Credit Losses (16 items)

About Schedule RI-C

The Converse County Bank Schedule RI-C, Q2 2026
Line item Code Q2 2026
Loans and Leases, Held for Investment, Total, Amortized Cost RCONJJ11 $309.3M
Loans and Leases, Held for Investment, Commerical loans, Amortized Cost RCONJJ07 $136.2M
Loans and Leases, Held for Investment, Real estate loans, Residential real estate loans, Amortized Cost RCONJJ06 $69.8M
Loans and Leases, Held for Investment, Real estate loans, Commercial real estate loans, Amortized Cost RCONJJ05 $67.7M
Loans and Leases, Held for Investment, Other consumer loans, Amortized Cost RCONJJ09 $30.9M
Loans and Leases, Held for Investment, Total, Allowance Balance RCONJJ19 $3.4M
Loans and Leases, Held for Investment, Credit cards, Amortized Cost RCONJJ08 $2.8M
Loans and Leases, Held for Investment, Real estate loans, Construction loans, Amortized Cost RCONJJ04 $1.9M
Loans and Leases, Held for Investment, Commerical loans, Allowance Balance RCONJJ15 $1.4M
Loans and Leases, Held for Investment, Other consumer loans, Allowance Balance RCONJJ17 $794K
Loans and Leases, Held for Investment, Real estate loans, Residential real estate loans, Allowance Balance RCONJJ14 $571K
Loans and Leases, Held for Investment, Real estate loans, Commercial real estate loans, Allowance Balance RCONJJ13 $547K
Loans and Leases, Held for Investment, Credit cards, Allowance Balance RCONJJ16 $34K
Loans and Leases, Held for Investment, Real estate loans, Construction loans, Allowance Balance RCONJJ12 $14K
Held to Maturity Securities, Mortgage backed securities (MBS) (including CMOs, REMICs and stripped MBS), Mortgage backed securities issued or guaranteed by US Government agencies or sponsored agencies RCONJJ21 $8K
Held to Maturity Securities, Total RCONJJ25 $8K

The Converse County Bank call reports on file

Each link opens the bank's filed report on the FFIEC Central Data Repository.

Where can I find the The Converse County Bank call report?

The The Converse County 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 Converse County Bank file?

The Converse County 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 Converse County 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 Converse County Bank has Federal Reserve RSSD ID 72258 and FDIC certificate number 12591. Either one finds its filings on the FFIEC Central Data Repository.

How often does The Converse County 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 Converse County 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.