Bank call report · Middle Village, NY
Cross County Savings Bank Call Report
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Cross County Savings Bank filed its latest call report for the quarter ended June 30, 2026 on the FFIEC 051. Below are its 263 reported line items, schedule by schedule (788 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 | 1007873 |
| FDIC certificate number | 30260 |
| Total assets | $525.4M |
Official Q2 2026 call report PDF (FFIEC) →
Cross County Savings 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 (21 items)
About Schedule RC · Cross County Savings Bank balance sheet trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Assets | RCON2170 | $525.4M |
| Total Liabilities, Limited-life Preferred Stock, and Equity Capital | RCON3300 | $525.4M |
| Total Liabilities and Minority Interest | RCON2948 | $457.7M |
| Total Deposits | RCON2200 | $446.5M |
| Loans and Leases, Net of Unearned Income - Totals | RCONB528 | $394.2M |
| Loans and Leases, Net of Unearned Income and Allowance | RCONB529 | $392.1M |
| Total Interest-bearing Deposits in Foreign and Domestic Offices | RCON6636 | $360.9M |
| Deposits: Noninterest-bearing | RCON6631 | $85.6M |
| Undivided Profits and Capital Reserves | RCON3632 | $68.1M |
| Total Equity Capital | RCON3210 | $67.8M |
| Total Equity Capital Including Noncontrolling Minority Interests in Consolidated Subsidiaries | RCONG105 | $67.8M |
| Interest-bearing Balances | RCON0071 | $51.0M |
| Available-for-sale debt securities (from Schedule RC-B, column D) | RCON1773 | $27.9M |
| Other Assets | RCON2160 | $22.8M |
| Premises and Fixed Assets (Including Capitalized Leases) | RCON2145 | $21.9M |
| Other Liabilities, Total | RCON2930 | $11.2M |
| Held to maturity securities (ASU 2016-13 adoption) | RCONJJ34 | $5.2M |
| Held-to-maturity Securities, Total | RCON1754 | $5.2M |
| Noninterest-bearing Balances and Currency and Coin | RCON0081 | $4.5M |
| Allowance for Loan and Lease Losses | RCON3123 | $2.0M |
| Accumulated Other Comprehensive Income | RCONB530 | -$366K |
Schedule RI: Income Statement (33 items)
About Schedule RI · Cross County Savings Bank income statement trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Interest Income | RIAD4107 | $12.6M |
| Interest and Fee Income on Loans, Total | RIAD4010 | $11.0M |
| Net Interest Income | RIAD4074 | $9.5M |
| Total Noninterest Expense | RIAD4093 | $8.6M |
| Interest and Fee Income on Loans Secured by 1-4 Family Residential Properties | RIAD4435 | $7.9M |
| Salaries and Employee Benefits | RIAD4135 | $4.4M |
| Total Interest Expense | RIAD4073 | $3.1M |
| Interest and Fee Income on All Other Loans Secured by Real Estate | RIAD4436 | $3.0M |
| Other Noninterest Expense | RIAD4092 | $2.7M |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of 250000 or Less | RIADHK03 | $1.6M |
| Income (Loss) Before Applicable Income Taxes and Discontinued Operations | RIAD4301 | $1.5M |
| 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 | $1.5M |
| Expenses of Premises and Fixed Assets | RIAD4217 | $1.5M |
| Income (Loss) Before Discontinued Operations | RIAD4300 | $1.2M |
| Net Income (Loss) | RIAD4340 | $1.2M |
| Net Income (Loss) Attributable to Bank and Noncontrolling Minority Interests | RIADG104 | $1.2M |
| Interest Income on Balances Due from Depository Institutions | RIAD4115 | $999K |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of More Than 250000 | RIADHK04 | $995K |
| Total Noninterest Income | RIAD4079 | $641K |
| Other Noninterest Income | RIADB497 | $502K |
| Savings Deposits (Including Mmdas) | RIAD0093 | $398K |
| Applicable Income Taxes | RIAD4302 | $320K |
| Interest and Dividend Income on Securities: U.S. Treasury Securities and U.S. Government Agency Obligations (Excluding Mortgage-backed Securities) | RIADB488 | $231K |
| Interest and Dividend Income on Securities: Mortgage-backed Securities | RIADB489 | $215K |
| Service Charges on Deposit Accounts in Domestic Offices | RIAD4080 | $139K |
| Interest and Fee Income on All Other Loans in Domestic Offices | RIAD4058 | $127K |
| Interest on Other Securities | RIAD4060 | $101K |
| Interest on Transaction Accounts (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) | RIAD4508 | $50K |
| Other Interest Income | RIAD4518 | $20K |
| Provision for Loan and Lease Losses | RIAD4230 | $9K |
| Provisions for Credit Losses on Financial Assets | RIADJJ33 | $9K |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADB486 | $3K |
| 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 · Cross County Savings 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 | $1.3M |
| 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 | $1.3M |
| Total Amortized Cost of Available-for-sale Securities | RCON1772 | $28.4M |
| US government agency obligations (exclude mortgage-backed securities), Available for sale, Amortized Cost | RCONHT52 | $11.0M |
| US government agency obligations (exclude mortgage-backed securities), Available for sale, Fair Value | RCONHT53 | $10.9M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Years Through Five Years | RCONA552 | $8.9M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over 15 Years | RCONA560 | $8.7M |
| Mortgage backed securities (MBS), Issued or guarnteed by FNMA, FHLMC, or GNMA, Available for sale, Amortized Cost | RCONHT56 | $8.1M |
| Mortgage backed securities (MBS), Issued or guarnteed by FNMA, FHLMC, or GNMA, Available for sale, Fair Value | RCONHT57 | $7.9M |
| Amortized Cost of Other Available-for-sale Domestic Debt Securities | RCON1739 | $7.0M |
| Fair Value of Other Available-for-sale Domestic Debt Securities | RCON1741 | $6.9M |
| Pledged Securities | RCON0416 | $6.1M |
| 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 Five Years Through Fifteen Years | RCONA553 | $5.4M |
| Mortgage backed securities (MBS), Issued or guarnteed by FNMA, FHLMC, or GNMA, Held-to-maturity, Amortized Cost | RCONHT54 | $5.2M |
| Mortgage backed securities (MBS), Issued or guarnteed by FNMA, FHLMC, or GNMA, Held-to-maturity, Fair Value | RCONHT55 | $4.2M |
| Total Fair Value of Held-to-maturity Securities | RCON1771 | $4.2M |
| 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 | $3.8M |
| 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 One Year Through Three Years | RCONA551 | $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 Three Months of Less | RCONA549 | $2.0M |
| OTHER MORTGAGE-BACKED SECURITIES (INCLUDE CMOs, REMICs, AND STRIPPED MBS) WITH AN EXPECTED AVERAGE LIFE OF OVER THREE YEARS | RCONA562 | $1.2M |
| Amortized Cost of Available-for-sale U.S. Treasury Securities | RCON1286 | $1.0M |
| Amortized Cost of Structured Notes | RCON8782 | $1.0M |
| Fixed Rate and Floating Rate Debt Securities with a Remaining Maturity of One Year or Less | RCONA248 | $986K |
| Fair Value of Structured Notes | RCON8783 | $985K |
| Fair Value of Available-for-sale U.S. Treasury Securities | RCON1287 | $949K |
| 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 | $326K |
| 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 | $171K |
| OTHER MORTGAGE-BACKED SECURITIES (INCLUDE CMOs, REMICs, AND STRIPPED MBS) WITH AN EXPECTED AVERAGE LIFE OF THREE YEARS OR LESS | RCONA561 | $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 Over One Year Through Three Years | RCONA557 | $4K |
Schedule RC-C, Part I: Loans and Leases (24 items)
About Schedule RC-C, Part I · Cross County Savings Bank loans and leases trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Loans and Leases, Net of Unearned Income | RCON2122 | $394.2M |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by First Liens | RCON5367 | $259.0M |
| 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 | $223.7M |
| Pledged Loans and Leases | RCONG378 | $128.7M |
| Loans Secured by Other Nonfarm Nonresidential Properties. | RCONF161 | $82.5M |
| 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 Five Years Through 15 Years | RCONA574 | $62.9M |
| 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 Three Years Through Five Years | RCONA573 | $33.0M |
| Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit | RCON1797 | $27.9M |
| 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 | $25.4M |
| Real Estate Loans Secured by Multi-family (5 or More) Residential Properties | RCON1460 | $23.5M |
| 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 15 Years | RCONA575 | $16.3M |
| 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 One Year Through Three Years | RCONA572 | $11.2M |
| 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 | $11.2M |
| Revolving, open-end lines of credit secured by 1-4 family residential properties that have converted to non-revolving closed-end status that are included in item 1.c(1) above | RCONLE75 | $6.9M |
| Loans Secured by 1-4 Family Residential Properties in Domestic Offices in Process of Foreclosure (Included in Rc-c, Part I, Items 1.C.(1), 1.C.(2)(A), and 1.C.(2)(B) | RCONF577 | $2.1M |
| 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 Years Through Five Years | RCONA567 | $1.2M |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by Junior Liens | RCON5368 | $816K |
| Fixed Rate and Floating Rate Loans and Leases with a Remaining Maturity of One Year or Less | RCONA247 | $637K |
| 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 | $281K |
| Loans Secured by Owner Occupied Nonfarm Nonresidential Properties | RCONF160 | $225K |
| 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 | $217K |
| Other Consumer Loans to Individuals for Household, Family, and Other Personal Expenditures (Includes Single Payment, Installment, and All Student Loans) | RCONK207 | $94K |
| 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 | $72K |
| Other Loans | RCONJ464 | $17K |
Schedule RC-C, Part II: Loans to Small Businesses and Small Farms (6 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5569 | $18.1M |
| 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 | $530K |
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5565 | $61K |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5568 | 38 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5566 | 4 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5564 | 1 |
Schedule RC-E: Deposit Liabilities (23 items)
About Schedule RC-E · Cross County Savings Bank deposit liabilities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Nontransaction Accounts (Including Mmda's) | RCON2385 | $333.7M |
| Total Nontransaction Accounts Deposits of Individuals, Partnerships, and Corporations | RCONB550 | $333.7M |
| Other Nontransaction Savings Deposits (Excludes Mmda's) | RCON0352 | $149.4M |
| Total Transaction Accounts | RCON2215 | $112.8M |
| Total Transaction Accounts - Deposits of Individuals, Partnerships, and Corporation | RCONB549 | $112.8M |
| Total Demand Deposits (See Note Below) | RCON2210 | $83.7M |
| Time Deposits of 250000 or Less with a Remaining Maturity of One Year or Less | RCONHK11 | $73.7M |
| Components of Total Nontransaction Accounts: Total Time Deposits of More Than $250,000 | RCONJ474 | $56.5M |
| 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 | $53.4M |
| Components of Total Nontransaction Accounts: Total Time Deposits of $100,000 Through $250,000 | RCONJ473 | $52.2M |
| Time Deposits of More Than $250,000 with a Remaining Maturity of One or Year Less | RCONK222 | $46.2M |
| Total Time Deposits of Less Than $100,000 | RCON6648 | $45.7M |
| 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 | $37.6M |
| Money Market Deposit Accounts (Mmda's) | RCON6810 | $30.0M |
| 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 Three Months or Less | RCONHK07 | $20.5M |
| 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 | $20.4M |
| All Time and Savings Deposits Held in IRA and Keogh Plan Accounts | RCON6835 | $15.2M |
| 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 | $9.3M |
| 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 Three Months or Less | RCONHK12 | $8.6M |
| Individual Retirement Accounts (Iras) and Keogh Plan Accounts Included in Memorandum Item 2.C, 'Total Time Deposits of $100,000 or More,' Above | RCONF233 | $6.4M |
| Total Brokered Deposits | RCON2365 | $5.0M |
| 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 | $3.6M |
| 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 Over Three Years | RCONHK15 | $960K |
Schedule RC-F: Other Assets (7 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Life Insurance Assets: General Account Life Insurance Assets | RCONK201 | $14.5M |
| Accrued Interest Receivable | RCONB556 | $2.4M |
| Life Insurance Assets: Hybrid Account Life Insurance Assets | RCONK270 | $2.0M |
| Net Deferred Tax Assets | RCON2148 | $1.9M |
| Other Assets | RCON2168 | $1.4M |
| Prepaid Expenses | RCON2166 | $911K |
| Historical Cost of All Other Available-for-sale Equity Securities | RCON1752 | $517K |
Schedule RC-G: Other Liabilities (4 items)
Schedule RC-K: Quarterly Averages (14 items)
About Schedule RC-K · Cross County Savings Bank quarterly averages trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Quarterly Average of Total Assets | RCON3368 | $530.7M |
| Quarterly Average of Total Loans | RCON3360 | $397.2M |
| Quarterly Average of Loans Secured by 1-4 Family Residential Properties | RCON3465 | $291.0M |
| Nontransaction Accounts in Domestic Offices: Savings Deposits | RCONB563 | $183.3M |
| Quarterly Average of All Other Loans Secured by Real Estate | RCON3466 | $106.1M |
| Liabilities, Nontransaction Accounts, Time Deposits of 250000 or Less | RCONHK16 | $98.6M |
| Liabilities, Nontransaction Accounts, Time Deposits of More Than 250000 | RCONHK17 | $55.1M |
| Quarterly Average of Interest-bearing Balances Due from Depository Institutions | RCON3381 | $53.7M |
| Transaction Accounts (in Domestic Offices) (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) - Quarterly Average | RCON3485 | $26.4M |
| Mortgage-backed Securities | RCONB559 | $14.4M |
| U.S. Treasury Securities and U.S. Government Agency Obligations (Excluding Mortgage-backed Securities) | RCONB558 | $12.1M |
| All Other Securities | RCONB560 | $6.8M |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Other | RCONB562 | $96K |
| Quarterly Average of Other Borrowed Money | RCON3355 | $15K |
Schedule RC-L: Derivatives and Off-Balance-Sheet Items (2 items)
About Schedule RC-L · Cross County Savings Bank derivatives and off-balance-sheet items trends
Schedule RC-M: Memoranda (3 items)
About Schedule RC-M · Cross County Savings 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 | $2.6M |
| 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 |
| Does the Institution Use the Home Owners' Loan Act (Hola) Qtl Test or the Internal Revenue Service Domestic Building and Loan Association (IRS Dbla) Test to Determine Its Qtl Compliance? | RCONL133 | 1 |
Schedule RC-N: Past Due and Nonaccrual Loans, Leases, and Other Assets (8 items)
About Schedule RC-N · Cross County Savings Bank past due and nonaccrual loans, leases, and other assets trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Loans and Lease Finance Receivables: Nonaccrual | RCON1403 | $8.7M |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens-nonaccural | RCONC229 | $8.3M |
| Additions to Nonaccrual Assets | RCONC410 | $7.2M |
| Total Loans and Lease Financing Receivables: Past Due 30-89 Days and Still Accruing | RCON1406 | $1.7M |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens-past Due 30 Thru 89 Days and Still Accruing | RCONC236 | $1.7M |
| Nonaccrual Assets Sold During the Quarter | RCONC411 | $437K |
| 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 - Nonaccrual | RCON5400 | $364K |
| All Other Loans - Past Due 30 Through 89 Days and Still Accruing | RCON5459 | $3K |
Schedule RC-O: Other Data for Deposit Insurance Assessments (12 items)
About Schedule RC-O · Cross County Savings Bank other data for deposit insurance assessments trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average Consolidated Total Assets for the Calendar Quarter | RCONK652 | $530.7M |
| Total Deposit Liabilities as Defined in Section 3(1) of the Federal Deposit Insurance Act Before Exclusions | RCONF236 | $446.5M |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of $250,000 or Less | RCONF049 | $285.0M |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF051 | $146.3M |
| Average Tangible Equity for the Calendar Quarter | RCONK654 | $67.9M |
| Amount of Retirement Deposits Accounts of $250,000 or Less | RCONF045 | $12.9M |
| Amount of Retirement Deposit Accounts of More Than $250,000 | RCONF047 | $2.3M |
| Number of Deposit Accounts (Excluding Retirement Accounts)of $250,000 or Less | RCONF050 | 12,589 |
| Number of Retirement Deposit Accounts of $250,000 or Less | RCONF046 | 677 |
| Number of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF052 | 296 |
| Number of Retirement Deposit Accounts of More Than $250,000 | RCONF048 | 6 |
| Averaging Method Used | RCONK653 | 1 |
Schedule RC-R: Regulatory Capital (1 item)
About Schedule RC-R · Cross County Savings 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 | $327.1M |
Schedule RC-R, Part I: Regulatory Capital Components and Ratios (20 items)
About Schedule RC-R, Part I · Cross County Savings Bank regulatory capital components and ratios trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average Total Assets (Net of Deductions) | RCOAA224 | $530.7M |
| Average total consolidated assets | RCOAKW03 | $530.7M |
| Risk-weighted Assets (Net of Allowances and Other Deductions) | RCOAA223 | $327.1M |
| Total Qualifying Capital Allowable Under the Risk-based Capital Guidelines | RCOA3792 | $70.2M |
| Common Equity Tier 1 Capital | RCOAP859 | $68.1M |
| Retained Earnings | RCOAKW00 | $68.1M |
| Subtotal of Common Equity Tier 1 Capital: Adjustments and Deductions | RCOAP852 | $68.1M |
| Tier 1 Capital Allowable Under the Risk-based Capital Guidelines | RCOA8274 | $68.1M |
| Common Equity Tier 1 Capital Before Adjustments and Deductions | RCOAP840 | $67.8M |
| General Loan and Lease Valuation Allowances | RCOA5310 | $2.0M |
| Tier 2 (Supplementary) Capital | RCOA5311 | $2.0M |
| Tier 2 Capital Before Deductions | RCOAP870 | $2.0M |
| Accumulated Other Comprehensive Income | RCOAB530 | -$366K |
| 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 | -$366K |
| A. AOCI Opt-out Election (Enter '1' for Yes, Enter '0' for No.) | RCOAP838 | 1 |
| Total Risk-based Capital Ratio | RCOA7205 | 0.2145 |
| Common Equity Tier 1 Capital Ratio | RCOAP793 | 0.2083 |
| Tier 1 Risk-based Capital Ratio | RCOA7206 | 0.2083 |
| Institution-specific Capital Buffer Necessary to Avoid Limitations on Distributions and Discretionary Bonus Payments: Capital Conservation Buffer | RCOAH311 | 0.1345 |
| Tier 1 Leverage Capital Ratio | RCOA7204 | 0.1284 |
Schedule RC-R, Part II: Risk-Weighted Assets (45 items)
About Schedule RC-R, Part II · Cross County Savings 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 | $327.1M |
| Total Risk-weighted Assets | RCONG641 | $327.1M |
| Total Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures | RCONS439 | $294.5M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 50 Pct Risk Weight Category | RCONG632 | $258.4M |
| Total Balance Sheet Assets - 50 Pct Risk Weight Category | RCOND989 | $257.9M |
| Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures - 50 Pct Risk Weight Category | RCONS442 | $256.5M |
| Risk-weighted Assets by Risk-weighted Category - 100 Pct Risk Weight Category | RCONG637 | $190.1M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 100 Pct Risk Weight Category | RCONG633 | $190.1M |
| Total Balance Sheet Assets - 100 Pct Risk Weight Category | RCOND990 | $185.3M |
| Risk-weighted Assets by Risk-weighted Category - 50 Pct Risk Weight Category | RCONG636 | $129.2M |
| Loans and Leases, Net of Unearned Income, All Other Exposures - 100 Pct Risk Weight Category | RCONS462 | $99.7M |
| Total Loans and Leases, Net of Unearned Income, All Other Exposures | RCONS457 | $99.7M |
| Total Cash and Balances Due from Depository Institutions | RCOND957 | $55.5M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 0 Pct Risk Weight Category | RCONG630 | $53.5M |
| Total Balance Sheet Assets - 0 Pct Risk Weight Category | RCOND987 | $53.5M |
| Cash and Balances Due from Depository Institutions - 0 Pct Risk Weight Category | RCOND958 | $49.0M |
| Total All Other Assets | RCOND981 | $44.7M |
| All Other Assets - 100 Pct Risk Weight Category | RCOND985 | $40.6M |
| Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures - 100 Pct Risk Weight Category | RCONS443 | $38.0M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 20 Pct Risk Weight Category | RCONG631 | $29.2M |
| Total Balance Sheet Assets - 20 Pct Risk Weight Category | RCOND988 | $29.2M |
| Available-for-sale debt securities and equity securities with readily determinable fair values not held for trading purposes, Total Fair Value | RCONJA21 | $27.9M |
| Available-for-sale Securities - 20 Pct Risk Weight Category | RCOND968 | $16.9M |
| Unused Commitments, Original Maturity Exceeding One Year - Face, Notional, or Other Amount | RCONG624 | $9.5M |
| Available-for-sale Securities - 100 Pct Risk Weight Category | RCOND970 | $7.0M |
| Cash and Balances Due from Depository Institutions - 20 Pct Risk Weight Category | RCOND959 | $6.5M |
| Risk-weighted Assets by Risk-weighted Category - 20 Pct Risk Weight Category | RCONG635 | $5.8M |
| Held-to-maturity Securities - 20 Pct Risk Weight Category | RCOND963 | $5.2M |
| Total Held-to-maturity Securities | RCOND961 | $5.2M |
| Unused Commitments, Original Maturity Exceeding One Year - 100 Pct Risk Weight Category | RCONG629 | $4.8M |
| Unused Commitments, Original Maturity Exceeding One Year - Credit Equivalent Amount | RCONG625 | $4.8M |
| Available-for-sale Securities - 0 Pct Risk Weight Category | RCOND967 | $4.5M |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, Face, Notional or Other Amount | RCONS525 | $2.5M |
| Total Balance Sheet Assets - Adjustments to Total Reported in Column a | RCONS500 | -$2.5M |
| Unconditionally Cancellable Commitments | RCONS540 | $2.5M |
| All Other Assets, Separate Account Bank-owned Life Insurance - Application of Other Risk Weighting Approaches Exposure Amount | RCONH296 | $2.0M |
| All Other Assets, Separate Account Bank-owned Life Insurance - Application of Other Risk Weighting Approaches Risk-weighted Asset Amount | RCONH297 | $2.0M |
| Total Balance Sheet Assets - Other Risk Weighting Approaches Exposure Amount | RCONH300 | $2.0M |
| All Other Assets - 50 Pct Risk Weight Category | RCOND984 | $1.4M |
| All Other Assets - 20 Pct Risk Weight Category | RCOND983 | $648K |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, Credit Equivalent Amount | RCONS526 | $510K |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, 50% | RCONS529 | $497K |
| Available-for-sale Securities - Adjustment to Totals Reported in Column a | RCONS402 | -$464K |
| All Other Assets - 0 Pct Risk Weight Category | RCOND982 | $17K |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, 100% | RCONS530 | $13K |
Schedule RI-A: Changes in Bank Equity Capital (4 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Equity Capital | RIAD3210 | $67.8M |
| Balance End of Previous Calendar Year as Restated | RIADB508 | $66.8M |
| Equity Capital, Most Recently Reported for the End of Previous Calendar Year (I.e., After Adjustments from Amended Reports of Income) | RIAD3217 | $66.8M |
| Other Comprehensive Income | RIADB511 | -$217K |
Schedule RI-B, Part I: Charge-offs and Recoveries on Loans and Leases (4 items)
About Schedule RI-B, Part I · Cross County Savings Bank charge-offs and recoveries on loans and leases trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Charge-offs All Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADK205 | $9K |
| Charge-offs on Allowance for Loan and Lease Losses | RIAD4635 | $9K |
| Recoveries All Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADK206 | $2K |
| Recoveries on Allowance for Loan and Lease Losses | RIAD4605 | $2K |
Schedule RI-B, Part II: Changes in Allowances for Credit Losses (3 items)
About Schedule RI-B, Part II · Cross County Savings Bank changes in allowances for credit losses trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Allowance for Loan and Lease Losses | RIAD3123 | $2.0M |
| Balance Most Recently Reported for the December 31, 2000, Reports of Condition and Income(i.e., After Adjustments from Amended Report of Income) | RIADB522 | $2.0M |
| Charge-offs on Allowance for Loan and Lease Losses | RIADC079 | $9K |
Cross County Savings 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 Cross County Savings Bank call report?
The Cross County Savings 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 Cross County Savings Bank file?
Cross County Savings 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 Cross County Savings Bank call report number?
A call report has no number of its own. It is filed and looked up by the bank's identifiers: Cross County Savings Bank has Federal Reserve RSSD ID 1007873 and FDIC certificate number 30260. Either one finds its filings on the FFIEC Central Data Repository.
How often does Cross County Savings 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.
Cross County Savings 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 30260) · FFIEC NIC profile (RSSD 1007873)