Bank call report · Clearwater, FL
Echelon Bank Call Report
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Echelon Bank filed its latest call report for the quarter ended June 30, 2026 on the FFIEC 051. Below are its 153 reported line items, schedule by schedule (888 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 | 6062484 |
| FDIC certificate number | 59377 |
| Total assets | $52.2M |
Official Q2 2026 call report PDF (FFIEC) →
Echelon 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 (20 items)
About Schedule RC · Echelon Bank balance sheet trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Assets | RCON2170 | $52.2M |
| Total Liabilities, Limited-life Preferred Stock, and Equity Capital | RCON3300 | $52.2M |
| Interest-bearing Balances | RCON0071 | $45.3M |
| Total Equity Capital | RCON3210 | $27.2M |
| Total Equity Capital Including Noncontrolling Minority Interests in Consolidated Subsidiaries | RCONG105 | $27.2M |
| Total Liabilities and Minority Interest | RCON2948 | $25.0M |
| Total Deposits | RCON2200 | $23.5M |
| Total Interest-bearing Deposits in Foreign and Domestic Offices | RCON6636 | $21.9M |
| Common Stock | RCON3230 | $14.7M |
| Surplus | RCON3839 | $14.7M |
| Loans and Leases, Net of Unearned Income - Totals | RCONB528 | $3.8M |
| Loans and Leases, Net of Unearned Income and Allowance | RCONB529 | $3.8M |
| Undivided Profits and Capital Reserves | RCON3632 | -$2.1M |
| Premises and Fixed Assets (Including Capitalized Leases) | RCON2145 | $1.9M |
| Deposits: Noninterest-bearing | RCON6631 | $1.6M |
| Other Liabilities, Total | RCON2930 | $1.5M |
| Other Assets | RCON2160 | $905K |
| Noninterest-bearing Balances and Currency and Coin | RCON0081 | $310K |
| Allowance for Loan and Lease Losses | RCON3123 | $42K |
| Intangible Assets | RCON2143 | $11K |
Schedule RI: Income Statement (25 items)
About Schedule RI · Echelon Bank income statement trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Noninterest Expense | RIAD4093 | $2.4M |
| Income (Loss) Before Applicable Income Taxes and Discontinued Operations | RIAD4301 | -$2.3M |
| 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 | -$2.3M |
| Income (Loss) Before Discontinued Operations | RIAD4300 | -$2.1M |
| Net Income (Loss) | RIAD4340 | -$2.1M |
| Net Income (Loss) Attributable to Bank and Noncontrolling Minority Interests | RIADG104 | -$2.1M |
| Other Noninterest Expense | RIAD4092 | $1.7M |
| Salaries and Employee Benefits | RIAD4135 | $587K |
| Applicable Income Taxes | RIAD4302 | -$189K |
| Total Interest Income | RIAD4107 | $134K |
| Interest Income on Balances Due from Depository Institutions | RIAD4115 | $118K |
| Net Interest Income | RIAD4074 | $97K |
| Expenses of Premises and Fixed Assets | RIAD4217 | $66K |
| Provision for Loan and Lease Losses | RIAD4230 | $42K |
| Provisions for Credit Losses on Financial Assets | RIADJJ33 | $42K |
| Total Interest Expense | RIAD4073 | $37K |
| Savings Deposits (Including Mmdas) | RIAD0093 | $27K |
| Interest and Fee Income on Loans, Total | RIAD4010 | $16K |
| Interest and Fee Income on All Other Loans Secured by Real Estate | RIAD4436 | $15K |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of 250000 or Less | RIADHK03 | $5K |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of More Than 250000 | RIADHK04 | $5K |
| Other Noninterest Income | RIADB497 | $4K |
| Total Noninterest Income | RIAD4079 | $4K |
| 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 | $1K |
| Number of Full Time Equivalent Employees on Payroll at End of Current Period | RIAD4150 | 32 |
Schedule RC-C, Part I: Loans and Leases (10 items)
About Schedule RC-C, Part I · Echelon Bank loans and leases trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Loans and Leases, Net of Unearned Income | RCON2122 | $3.8M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Years Through Five Years | RCONA573 | $2.5M |
| Loans Secured by Owner Occupied Nonfarm Nonresidential Properties | RCONF160 | $2.5M |
| 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 Three Months or Less | RCONA570 | $979K |
| Loans Secured by 1-4 Family Residential Construction | RCONF158 | $759K |
| Adjustable Rate Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties | RCON5370 | $326K |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by First Liens | RCON5367 | $326K |
| 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 | $326K |
| Fixed Rate and Floating Rate Loans and Leases with a Remaining Maturity of One Year or Less | RCONA247 | $220K |
| Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper): Other Revolving Credit Plans | RCONB539 | $220K |
Schedule RC-E: Deposit Liabilities (14 items)
About Schedule RC-E · Echelon Bank deposit liabilities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Nontransaction Accounts (Including Mmda's) | RCON2385 | $21.9M |
| Total Nontransaction Accounts Deposits of Individuals, Partnerships, and Corporations | RCONB550 | $21.9M |
| Money Market Deposit Accounts (Mmda's) | RCON6810 | $16.8M |
| Components of Total Nontransaction Accounts: Total Time Deposits of More Than $250,000 | RCONJ474 | $3.4M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONHK13 | $3.4M |
| Time Deposits of More Than $250,000 with a Remaining Maturity of One or Year Less | RCONK222 | $3.4M |
| 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 | $1.7M |
| Time Deposits of 250000 or Less with a Remaining Maturity of One Year or Less | RCONHK11 | $1.7M |
| Total Transaction Accounts | RCON2215 | $1.6M |
| Total Transaction Accounts - Deposits of Individuals, Partnerships, and Corporation | RCONB549 | $1.6M |
| Total Demand Deposits (See Note Below) | RCON2210 | $1.5M |
| Components of Total Nontransaction Accounts: Total Time Deposits of $100,000 Through $250,000 | RCONJ473 | $1.2M |
| Total Time Deposits of Less Than $100,000 | RCON6648 | $493K |
| Other Nontransaction Savings Deposits (Excludes Mmda's) | RCON0352 | $1K |
Schedule RC-F: Other Assets (6 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Other Assets | RCON2168 | $639K |
| Prepaid Expenses | RCON2166 | $525K |
| Historical Cost of All Other Available-for-sale Equity Securities | RCON1752 | $250K |
| Computer Software | RCONFT33 | $109K |
| Accrued Interest Receivable | RCONB556 | $16K |
| Accounts Receivable | RCONFT34 | $5K |
Schedule RC-G: Other Liabilities (5 items)
Schedule RC-K: Quarterly Averages (9 items)
About Schedule RC-K · Echelon Bank quarterly averages trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Quarterly Average of Total Assets | RCON3368 | $40.3M |
| Quarterly Average of Interest-bearing Balances Due from Depository Institutions | RCON3381 | $35.9M |
| Nontransaction Accounts in Domestic Offices: Savings Deposits | RCONB563 | $8.6M |
| Quarterly Average of Total Loans | RCON3360 | $2.5M |
| Quarterly Average of All Other Loans Secured by Real Estate | RCON3466 | $2.3M |
| Liabilities, Nontransaction Accounts, Time Deposits of More Than 250000 | RCONHK17 | $1.5M |
| Liabilities, Nontransaction Accounts, Time Deposits of 250000 or Less | RCONHK16 | $1.2M |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Other | RCONB562 | $110K |
| Quarterly Average of Loans Secured by 1-4 Family Residential Properties | RCON3465 | $54K |
Schedule RC-L: Derivatives and Off-Balance-Sheet Items (1 item)
About Schedule RC-L · Echelon Bank derivatives and off-balance-sheet items trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Other Unused Commitments: All Other Unused Commitments | RCONJ459 | $80K |
Schedule RC-M: Memoranda (2 items)
Schedule RC-O: Other Data for Deposit Insurance Assessments (8 items)
About Schedule RC-O · Echelon Bank other data for deposit insurance assessments trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average Consolidated Total Assets for the Calendar Quarter | RCONK652 | $40.3M |
| Average Tangible Equity for the Calendar Quarter | RCONK654 | $27.4M |
| Total Deposit Liabilities as Defined in Section 3(1) of the Federal Deposit Insurance Act Before Exclusions | RCONF236 | $23.5M |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF051 | $17.6M |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of $250,000 or Less | RCONF049 | $5.9M |
| Number of Deposit Accounts (Excluding Retirement Accounts)of $250,000 or Less | RCONF050 | 269 |
| Number of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF052 | 27 |
| Averaging Method Used | RCONK653 | 1 |
Schedule RC-R: Regulatory Capital (1 item)
About Schedule RC-R · Echelon 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 | $15.4M |
Schedule RC-R, Part I: Regulatory Capital Components and Ratios (21 items)
About Schedule RC-R, Part I · Echelon Bank regulatory capital components and ratios trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average total consolidated assets | RCOAKW03 | $40.3M |
| Average Total Assets (Net of Deductions) | RCOAA224 | $40.3M |
| Common Equity Tier 1 Capital: Common Stock Plus Related Surplus, Net of Treasury Stock and Unearned Employee Stock Ownership Plan (ESOP) Shares | RCOAP742 | $29.3M |
| Total Qualifying Capital Allowable Under the Risk-based Capital Guidelines | RCOA3792 | $27.2M |
| Common Equity Tier 1 Capital Before Adjustments and Deductions | RCOAP840 | $27.2M |
| Common Equity Tier 1 Capital | RCOAP859 | $27.2M |
| Subtotal of Common Equity Tier 1 Capital: Adjustments and Deductions | RCOAP852 | $27.2M |
| Tier 1 Capital Allowable Under the Risk-based Capital Guidelines | RCOA8274 | $27.2M |
| Risk-weighted Assets (Net of Allowances and Other Deductions) | RCOAA223 | $15.4M |
| Retained Earnings | RCOAKW00 | -$2.1M |
| General Loan and Lease Valuation Allowances | RCOA5310 | $42K |
| Tier 2 (Supplementary) Capital | RCOA5311 | $42K |
| Tier 2 Capital Before Deductions | RCOAP870 | $42K |
| Intangible Assets (Other Than Goodwill and Mortgage Servicing Assets (Msas)), Net of Associated Dtls | RCOAP842 | $11K |
| 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 | $11K |
| A. AOCI Opt-out Election (Enter '1' for Yes, Enter '0' for No.) | RCOAP838 | 1 |
| Total Risk-based Capital Ratio | RCOA7205 | 1.7657 |
| Common Equity Tier 1 Capital Ratio | RCOAP793 | 1.763 |
| Tier 1 Risk-based Capital Ratio | RCOA7206 | 1.763 |
| Institution-specific Capital Buffer Necessary to Avoid Limitations on Distributions and Discretionary Bonus Payments: Capital Conservation Buffer | RCOAH311 | 1.6857 |
| Tier 1 Leverage Capital Ratio | RCOA7204 | 0.6736 |
Schedule RC-R, Part II: Risk-Weighted Assets (27 items)
About Schedule RC-R, Part II · Echelon Bank risk-weighted assets trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Cash and Balances Due from Depository Institutions | RCOND957 | $45.6M |
| Cash and Balances Due from Depository Institutions - 20 Pct Risk Weight Category | RCOND959 | $44.7M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 20 Pct Risk Weight Category | RCONG631 | $44.7M |
| Total Balance Sheet Assets - 20 Pct Risk Weight Category | RCOND988 | $44.7M |
| Risk-weighted Assets for Purposes of Calculating the Allowance for Loan and Lease Losses 1.25 Percent Threshold | RCONS580 | $15.4M |
| Total Risk-weighted Assets | RCONG641 | $15.4M |
| Risk-weighted Assets by Risk-weighted Category - 20 Pct Risk Weight Category | RCONG635 | $8.9M |
| Risk-weighted Assets by Risk-weighted Category - 100 Pct Risk Weight Category | RCONG637 | $6.3M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 100 Pct Risk Weight Category | RCONG633 | $6.3M |
| Total Balance Sheet Assets - 100 Pct Risk Weight Category | RCOND990 | $6.3M |
| Loans and Leases, Net of Unearned Income, All Other Exposures - 100 Pct Risk Weight Category | RCONS462 | $3.5M |
| Total Loans and Leases, Net of Unearned Income, All Other Exposures | RCONS457 | $3.5M |
| Total All Other Assets | RCOND981 | $2.8M |
| All Other Assets - 100 Pct Risk Weight Category | RCOND985 | $2.8M |
| Cash and Balances Due from Depository Institutions - 0 Pct Risk Weight Category | RCOND958 | $872K |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 0 Pct Risk Weight Category | RCONG630 | $872K |
| Total Balance Sheet Assets - 0 Pct Risk Weight Category | RCOND987 | $872K |
| Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures - 50 Pct Risk Weight Category | RCONS442 | $326K |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 50 Pct Risk Weight Category | RCONG632 | $326K |
| Total Balance Sheet Assets - 50 Pct Risk Weight Category | RCOND989 | $326K |
| Total Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures | RCONS439 | $326K |
| Risk-weighted Assets by Risk-weighted Category - 50 Pct Risk Weight Category | RCONG636 | $163K |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, Face, Notional or Other Amount | RCONS525 | $80K |
| Total Balance Sheet Assets - Adjustments to Total Reported in Column a | RCONS500 | -$31K |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, 100% | RCONS530 | $16K |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, Credit Equivalent Amount | RCONS526 | $16K |
| All Other Assets - Adjustments to Totals Reported in Column a | RCONS469 | $11K |
Schedule RI-A: Changes in Bank Equity Capital (2 items)
Schedule RI-B, Part II: Changes in Allowances for Credit Losses (1 item)
About Schedule RI-B, Part II · Echelon Bank changes in allowances for credit losses trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Allowance for Loan and Lease Losses | RIAD3123 | $42K |
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 | $29.3M |
Echelon Bank call reports on file
Each link opens the bank's filed report on the FFIEC Central Data Repository.
Where can I find the Echelon Bank call report?
The Echelon 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 Echelon Bank file?
Echelon 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 Echelon Bank call report number?
A call report has no number of its own. It is filed and looked up by the bank's identifiers: Echelon Bank has Federal Reserve RSSD ID 6062484 and FDIC certificate number 59377. Either one finds its filings on the FFIEC Central Data Repository.
How often does Echelon 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.
Echelon 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 59377) · FFIEC NIC profile (RSSD 6062484)