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Bank call report · Honolulu, HI

Finance Factors, Limited Call Report

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Finance Factors, Limited filed its latest call report for the quarter ended June 30, 2026 on the FFIEC 031. Below are its 348 reported line items, schedule by schedule (1,163 items filed as zero are left out). The official PDF is on the FFIEC Central Data Repository.

Finance Factors, Limited call report filing details
Call report formFFIEC 031
Latest quarter filedQ2 2026 (June 30, 2026)
Federal Reserve RSSD ID827560
FDIC certificate number25158
Total assets$683.7M

Official Q2 2026 call report PDF (FFIEC) →

Finance Factors, Limited 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 031.

Schedule RC: Balance Sheet (27 items)

About Schedule RC · Finance Factors, Limited balance sheet trends

Finance Factors, Limited Schedule RC, Q2 2026
Line item Code Q2 2026
Total Assets RCFD2170 $683.7M
Total Liabilities, Limited-life Preferred Stock, and Equity Capital RCFD3300 $683.7M
Total Liabilities and Minority Interest RCFD2948 $603.7M
Total Deposits RCON2200 $519.3M
Total Interest-bearing Deposits in Foreign and Domestic Offices RCON6636 $518.0M
Loans and Leases, Net of Unearned Income - Totals RCFDB528 $458.1M
Loans and Leases, Net of Unearned Income and Allowance RCFDB529 $446.4M
Available-for-sale debt securities (from Schedule RC-B, column D) (consolidated) RCFD1773 $119.1M
Available-for-sale debt securities (from Schedule RC-B, column D) (domestic offices) RCON1773 $119.1M
Total Equity Capital RCFD3210 $80.0M
Total Equity Capital Including Noncontrolling Minority Interests in Consolidated Subsidiaries RCFDG105 $80.0M
Other Borrowed Money (consolidated) RCFD3190 $72.0M
Other Borrowed Money (domestic offices) RCON3190 $72.0M
Undivided Profits and Capital Reserves RCFD3632 $71.0M
Premises and Fixed Assets (Including Capitalized Leases) RCFD2145 $44.5M
Other Assets RCFD2160 $39.2M
Trading Assets, Total RCFD3545 $27.9M
Other Liabilities, Total RCFD2930 $12.4M
Allowance for Loan and Lease Losses RCFD3123 $11.8M
Surplus RCFD3839 $11.0M
Noninterest-bearing Balances and Currency and Coin RCFD0081 $5.0M
Accumulated Other Comprehensive Income RCFDB530 -$2.6M
Interest-bearing Balances RCFD0071 $1.6M
Deposits: Noninterest-bearing RCON6631 $1.2M
Common Stock RCFD3230 $891K
Other Components of Equity Capital RCFDA130 -$250K
Intangible Assets RCFD2143 $55K
Schedule RI: Income Statement (35 items)

About Schedule RI · Finance Factors, Limited income statement trends

Finance Factors, Limited Schedule RI, Q2 2026
Line item Code Q2 2026
Total Interest Income RIAD4107 $16.7M
Interest and Fee Income on Loans, Total RIAD4010 $14.3M
Interest and Fee Income on Loans Secured by 1-4 Family Residential Properties RIAD4435 $8.8M
Total Interest Expense RIAD4073 $8.5M
Total Noninterest Expense RIAD4093 $8.5M
Net Interest Income RIAD4074 $8.2M
Salaries and Employee Benefits RIAD4135 $5.4M
Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of 250000 or Less RIADHK03 $5.1M
Interest and Fee Income on All Other Loans Secured by Real Estate RIAD4436 $5.0M
Total Noninterest Income RIAD4079 $3.0M
Income (Loss) Before Applicable Income Taxes and Discontinued Operations RIAD4301 $2.6M
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 $2.6M
Equity Security or Index Exposures RIAD8759 $2.4M
Trading Revenue RIADA220 $2.4M
Other Noninterest Expense RIAD4092 $2.4M
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
Interest and Dividend Income on Securities: Mortgage-backed Securities RIADB489 $2.0M
Interest on Trading Liabilities and Other Borrowed Money RIAD4185 $1.3M
Savings Deposits (Including Mmdas) RIAD0093 $1.1M
Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of More Than 250000 RIADHK04 $1.0M
Expenses of Premises and Fixed Assets RIAD4217 $765K
Other Noninterest Income RIADB497 $571K
Applicable Income Taxes RIAD4302 $535K
Interest and Fee Income on Loans in Foreign Offices, Edge and Agreement Subsidiaries, and IBFS RIAD4059 $389K
Provision for Loan and Lease Losses RIAD4230 $325K
Interest on Other Securities RIAD4060 $226K
Interest Income from Trading Assets RIAD4069 $148K
Interest Income on Balances Due from Depository Institutions RIAD4115 $117K
Other Interest Income RIAD4518 $17K
Net Gains (Losses) on Sales of Loans RIAD5416 $14K
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 $6K
Net Servicing Fees RIADB492 $1K
Number of Full Time Equivalent Employees on Payroll at End of Current Period RIAD4150 108
Schedule RC-A: Cash and Balances Due from Depository Institutions (8 items)

About Schedule RC-A

Finance Factors, Limited Schedule RC-A, Q2 2026
Line item Code Q2 2026
Cash and Balances Due from Depository Institutions (consolidated) RCFD0010 $6.6M
Cash and Balances Due from Depository Institutions (domestic offices) RCON0010 $6.6M
Balances Due from Depository Institutions in the U.S. (consolidated) RCFD0082 $5.4M
Balances Due from Depository Institutions in the U.S. (domestic offices) RCON0082 $5.4M
Balances Due from Federal Reserve Banks (consolidated) RCFD0090 $1.1M
Balances Due from Federal Reserve Banks (domestic offices) RCON0090 $1.1M
Cash Items in Process of Collection, Unposted Debits, and Currency and Coin RCFD0022 $114K
Currency and Coin RCON0080 $114K
Schedule RC-B: Securities (17 items)

About Schedule RC-B · Finance Factors, Limited securities trends

Finance Factors, Limited Schedule RC-B, Q2 2026
Line item Code Q2 2026
Mortgage-backed Securities (MBS): Residential Pass-through Securities: Issued by FNMA and FHLMC: Available-for-sale Amortized Cost RCFDG306 $4.1M
Mortgage-backed Securities (MBS): Residential Pass-through Securities: Issued by FNMA and FHLMC: Available-for-sale Fair Value RCFDG307 $4.1M
Mortgage-backed Securities (MBS): Other Residential MBS (Include Cmos, REMICS, and Stripped MBS): Issued or Guaranteed by FNMA, FHLMC, or GNMA - Available-for-sale Amortized Cost RCFDG314 $94.2M
Mortgage-backed Securities (MBS): Other Residential MBS (Include Cmos, REMICS, and Stripped MBS): Issued or Guaranteed by FNMA, FHLMC, or GNMA - Available-for-sale Fair Value RCFDG315 $90.6M
Total Amortized Cost of Available-for-sale Securities RCFD1772 $122.7M
OTHER MORTGAGE-BACKED SECURITIES (INCLUDE CMOs, REMICs, AND STRIPPED MBS) WITH AN EXPECTED AVERAGE LIFE OF OVER THREE YEARS RCFDA562 $58.1M
OTHER MORTGAGE-BACKED SECURITIES (INCLUDE CMOs, REMICs, AND STRIPPED MBS) WITH AN EXPECTED AVERAGE LIFE OF THREE YEARS OR LESS RCFDA561 $32.5M
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 RCFDA549 $24.3M
Mortgage-backed Securities (Mbs):commercial MBS: Commercial Mortgage Pass-through Securities:issued or Guaranteed by Fnma,fhlmc or GNMA: Available-for-sale Amortized Cost RCFDK144 $11.3M
Mortgage-backed Securities (Mbs):commercial MBS: Commercial Mortgage Pass-through Securities:issued or Guaranteed by Fnma,fhlmc or GNMA: Available-for-sale Fair Value RCFDK145 $11.3M
Total (Asset-backed Securities) Fair Value - Available-for-sale RCFDC027 $9.1M
Asset-backed Securities: Available-for-sale Amortized Cost RCFDC989 $9.1M
Pledged Securities RCFD0416 $5.8M
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 RCFDA560 $4.1M
US government agency obligations (exclude mortgage-backed securities), Available for sale, Amortized Cost RCFDHT52 $3.9M
US government agency obligations (exclude mortgage-backed securities), Available for sale, Fair Value RCFDHT53 $3.9M
Fixed Rate and Floating Rate Debt Securities with a Remaining Maturity of One Year or Less RCFDA248 $33K
Schedule RC-C, Part I: Loans and Leases (34 items)

About Schedule RC-C, Part I · Finance Factors, Limited loans and leases trends

Finance Factors, Limited Schedule RC-C, Part I, Q2 2026
Line item Code Q2 2026
Loans Secured by Real Estate RCFD1410 $458.9M
Total Loans and Leases, Net of Unearned Income (consolidated) RCFD2122 $458.1M
Total Loans and Leases, Net of Unearned Income (domestic offices) RCON2122 $445.4M
Pledged Loans and Leases RCFDG378 $284.0M
All Other Loans Secured by 1-4 Family Residential Properties: Secured by First Liens RCON5367 $195.5M
Adjustable Rate Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties RCON5370 $146.7M
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 One Year Through Three Years RCFDA572 $90.0M
Real Estate Loans Secured by Multi-family (5 or More) Residential Properties RCON1460 $88.8M
All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Three Months or Less RCFDA570 $88.4M
Loans Secured by Other Nonfarm Nonresidential Properties. RCONF161 $59.8M
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 One Year Through Three Years RCONA566 $52.7M
Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit RCON1797 $47.8M
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 Months Through 12 Months RCONA565 $36.9M
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 Months Through 12 Months RCFDA571 $36.1M
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 15 Years RCONA569 $35.3M
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 Three Years Through Five Years RCONA567 $33.0M
Fixed Rate and Floating Rate Loans and Leases with a Remaining Maturity of One Year or Less RCFDA247 $30.8M
Loans Secured by Other Construction Loans and All Land Development and Other Land Loans RCONF159 $28.5M
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 Three Years Through Five Years RCFDA573 $25.7M
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 $23.5M
Loans Secured by 1-4 Family Residential Construction RCONF158 $15.8M
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 15 Years RCFDA575 $12.5M
Total Loan Modifications to Borrowers Experiencing Financial Difficulty That Are in Compliance with Their Modified Terms RCFDHK25 $9.7M
Loans Secured by Owner Occupied Nonfarm Nonresidential Properties RCONF160 $8.8M
All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Five Years Through 15 Years RCFDA574 $8.8M
Loan Modifications to Borrowers Experiencing Financial Difficulty - Construction, Land Development, and Other Land Loans: Secured by Nonfarm Nonresidential Properties: Loans Secured by Other Nonfarm Nonresidential Properties RCONK162 $8.8M
Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Three Months or Less RCONA564 $7.6M
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 $6.7M
All Other Loans Secured by 1-4 Family Residential Properties: Secured by Junior Liens RCON5368 $1.3M
Unearned Income on Loans (consolidated) RCFD2123 $1.2M
Unearned Income on Loans (domestic offices) RCON2123 $1.1M
Loan Modifications to Borrowers Experiencing Financial Difficulty - Construction, Land Development, and Other Land Loans: Secured by Nonfarm Nonresidential Properties: Loans Secured by Owner-occupied Nonfarm Nonresidential Properties RCONK161 $900K
Other Consumer Loans to Individuals for Household, Family, and Other Personal Expenditures (Includes Single Payment, Installment, and All Student Loans) (consolidated) RCFDK207 $354K
Other Consumer Loans to Individuals for Household, Family, and Other Personal Expenditures (Includes Single Payment, Installment, and All Student Loans) (domestic offices) RCONK207 $354K
Schedule RC-C, Part II: Loans to Small Businesses and Small Farms (6 items)

About Schedule RC-C, Part II

Finance Factors, Limited Schedule RC-C, Part II, Q2 2026
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 $6.5M
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 $513K
Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less RCON5565 $29K
Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 RCON5568 18
Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 RCON5566 5
Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less RCON5564 1
Schedule RC-D: Trading Assets and Liabilities (1 item)

About Schedule RC-D

Finance Factors, Limited Schedule RC-D, Q2 2026
Line item Code Q2 2026
Other Trading Assets (in Domestic Offices) RCFD3541 $27.9M
Schedule RC-E: Deposit Liabilities (24 items)

About Schedule RC-E · Finance Factors, Limited deposit liabilities trends

Finance Factors, Limited Schedule RC-E, Q2 2026
Line item Code Q2 2026
Total Nontransaction Accounts (Including Mmda's) RCON2385 $518.0M
Total Nontransaction Accounts Deposits of Individuals, Partnerships, and Corporations RCONB550 $515.9M
Time Deposits of 250000 or Less with a Remaining Maturity of One Year or Less RCONHK11 $291.0M
Total Time Deposits of Less Than $100,000 RCON6648 $169.3M
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 $151.6M
Components of Total Nontransaction Accounts: Total Time Deposits of $100,000 Through $250,000 RCONJ473 $148.7M
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 $139.3M
Money Market Deposit Accounts (Mmda's) RCON6810 $130.6M
Components of Total Nontransaction Accounts: Total Time Deposits of More Than $250,000 RCONJ474 $69.5M
Time Deposits of More Than $250,000 with a Remaining Maturity of One or Year Less RCONK222 $62.2M
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 Three Months or Less RCONHK12 $34.0M
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 Months Through 12 Months RCONHK13 $28.2M
Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years RCONHK09 $21.9M
Total reciprocal deposits RCONJH83 $9.9M
All Time and Savings Deposits Held in IRA and Keogh Plan Accounts RCON6835 $8.6M
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 One Year Through Three Years RCONHK14 $5.9M
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 Three Years RCONHK10 $5.1M
Total Nontransaction Accounts of States and Political Subdivisions in the U.S. RCON2530 $1.8M
Individual Retirement Accounts (Iras) and Keogh Plan Accounts Included in Memorandum Item 2.C, 'Total Time Deposits of $100,000 or More,' Above RCONF233 $1.8M
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 Years RCONHK15 $1.4M
Total Demand Deposits (See Note Below) RCON2210 $1.2M
Total Transaction Accounts RCON2215 $1.2M
Total Transaction Accounts - Deposits of Individuals, Partnerships, and Corporation RCONB549 $1.2M
Total Nontransaction Accounts of Commercial Banks and Other Depository Institutions in the U.S. RCONB552 $386K
Schedule RC-F: Other Assets (8 items)

About Schedule RC-F

Finance Factors, Limited Schedule RC-F, Q2 2026
Line item Code Q2 2026
Life Insurance Assets: General Account Life Insurance Assets RCFDK201 $17.4M
Other Assets RCFD2168 $9.5M
First Itemized Amount That Exceeds 25% of All Other Assets (2168) RCFD3549 $5.5M
Historical Cost of All Other Available-for-sale Equity Securities (consolidated) RCFD1752 $3.7M
Historical Cost of All Other Available-for-sale Equity Securities (domestic offices) RCON1752 $3.7M
Life Insurance Assets: Separate Account Life Insurance Assets RCFDK202 $3.5M
Accrued Interest Receivable RCFDB556 $2.6M
Net Deferred Tax Assets RCFD2148 $2.5M
Schedule RC-G: Other Liabilities (5 items)

About Schedule RC-G

Finance Factors, Limited Schedule RC-G, Q2 2026
Line item Code Q2 2026
All Other Liabilities RCFD2938 $6.2M
Operating lease liabilities RCFDLB56 $5.5M
Other Expenses Accrued and Unpaid RCFD3646 $4.5M
Allowance for Credit Losses on Off-balance Sheet Credit Exposures RCFDB557 $834K
Interest Accrued and Unpaid on Deposits (in Domestic Offices) RCON3645 $827K
Schedule RC-H: Selected Balance Sheet Items for Domestic Offices (7 items)

About Schedule RC-H

Finance Factors, Limited Schedule RC-H, Q2 2026
Line item Code Q2 2026
MBS: Pass-through Securities: Issued or Guaranteed by FNMA, FHLMC, or GNMA - Fair Value of Available-for-sale Securities RCONG390 $15.5M
MBS: Other Mortgage-backed Securities (Include Cmos, REMICS and Stripped MBS): Issued or Guaranteed by FNMA, FHLMC, or GNMA - Fair Value of Available-for-sale Securities RCONG394 $90.6M
Other Domestic Debt Securities (Include Domestic Structured Financial Products and Domestic Asset-backed Securities) - Fair Value of Available-for-sale Securities RCONG398 $9.1M
Total Assets (Held in Domestic Offices) RCON2192 $672.2M
Total Liabilities RCON3129 $603.7M
Net Due from Own Foreign Offices, Edge and Agreement Subsidiaries, and IBFS RCON2163 $11.5M
Fair Value of Available-for-sale U.S. Government Agency and Corporation Obligations (Exclude Mortgage-backed Securities) RCON8495 $3.9M
Schedule RC-K: Quarterly Averages (14 items)

About Schedule RC-K · Finance Factors, Limited quarterly averages trends

Finance Factors, Limited Schedule RC-K, Q2 2026
Line item Code Q2 2026
Quarterly Average of Total Assets RCFD3368 $683.3M
Quarterly Average of Total Loans (domestic offices) RCON3360 $449.7M
Liabilities, Nontransaction Accounts, Time Deposits of 250000 or Less RCONHK16 $326.0M
Quarterly Average of Loans Secured by 1-4 Family Residential Properties RCON3465 $259.9M
Quarterly Average of All Other Loans Secured by Real Estate RCON3466 $189.4M
Nontransaction Accounts in Domestic Offices: Savings Deposits RCONB563 $127.2M
Mortgage-backed Securities RCFDB559 $101.5M
Liabilities, Nontransaction Accounts, Time Deposits of More Than 250000 RCONHK17 $76.4M
Quarterly Average of Other Borrowed Money RCFD3355 $67.3M
Quarterly Average of Assets Held in Trading Accounts RCFD3401 $26.5M
Quarterly Average of Total Loans (foreign offices) RCFN3360 $12.1M
All Other Securities RCFDB560 $9.2M
Quarterly Average of Interest-bearing Balances Due from Depository Institutions RCFD3381 $7.5M
Loans to Individuals for Household, Family, and Other Personal Expenditures: Other RCONB562 $382K
Schedule RC-L: Derivatives and Off-Balance-Sheet Items (6 items)

About Schedule RC-L · Finance Factors, Limited derivatives and off-balance-sheet items trends

Finance Factors, Limited Schedule RC-L, Q2 2026
Line item Code Q2 2026
Unused Commitments - Revolving, Open-end Lines Secured by 1-4 Family Residential Properties RCFD3814 $40.1M
Commercial Real Estate, Other Construction Loan and Land Development Loan Commitments RCFDF165 $27.2M
Interest Rate Contracts - Notional Value of All Outstanding Interest Rate Swaps RCFD3450 $10.0M
Interest Rate Swaps Where the Bank Has Agreed to Pay a Fixed Rate RCFDA589 $10.0M
Total Gross Notional Amount of Interest Rate Derivative Contracts Held for Purposes Other Than Trading: Contracts Marked to Market RCFD8725 $10.0M
Gross Negative Fair Value of Interest Rate Derivative Contracts Held for Purposes Other Than Trading That Are Marked to Market RCFD8745 $28K
Schedule RC-M: Memoranda (8 items)

About Schedule RC-M · Finance Factors, Limited memoranda trends

Finance Factors, Limited Schedule RC-M, Q2 2026
Line item Code Q2 2026
FHLB Advances (Loans) Due in One Year or Less RCFD2651 $38.0M
FHLB Advances: Advances with a Remaining Maturity or Next Repricing Date of One Year or Less RCFDF055 $38.0M
FHLB Advances: Advances with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years RCFDF056 $30.0M
FHLB Advances: Advances with a Remaining Maturity or Next Repricing Date of Over Three Through Five Years RCFDF057 $4.0M
Aggregate Amount of All Extensions of Credit to All Executive Officers, Directors, Principal Shareholders, and Their Related Interests RCFD6164 $2.0M
Estimated Fair Value of Mortgage Servicing Assets RCFDA590 $55K
Mortgage Servicing Assets RCFD3164 $55K
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 RCFD6165 1
Schedule RC-N: Past Due and Nonaccrual Loans, Leases, and Other Assets (13 items)

About Schedule RC-N · Finance Factors, Limited past due and nonaccrual loans, leases, and other assets trends

Finance Factors, Limited Schedule RC-N, Q2 2026
Line item Code Q2 2026
Total Loans and Lease Finance Receivables: Nonaccrual RCFD1403 $8.9M
Total Loans and Lease Financing Receivables: Past Due 30-89 Days and Still Accruing RCFD1406 $8.4M
Other Construction Loans and All Land Development and Other Land Loans, Past Due 31 - 89 Days RCONF173 $8.0M
Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens-nonaccural RCONC229 $6.5M
Additions to Nonaccrual Assets RCFDC410 $2.5M
1-4 Family Residential Construction Loans, Nonaccrual RCONF176 $2.1M
Total Loans and Lease Financing Receivables: Past Due 90 Days or More and Still Accruing RCFD1407 $1.4M
Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens-past Due 90 Days or More and Still Accruing RCONC237 $621K
Loans Secured by Owner-occupied Nonfarm Nonresidential Properties, 90 or More Days Past Due and Still Accruing RCONF180 $538K
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 $287K
Loans Secured by 1-4 Family Residential Properties: Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit - Past Due 90 Days or More and Still Accruing RCON5399 $223K
Loans Secured by 1-4 Family Residential Properties: Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit - Past Due 30 Through 89 Days and Still Accruing RCON5398 $216K
Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens-past Due 30 Thru 89 Days and Still Accruing RCONC236 $180K
Schedule RC-O: Other Data for Deposit Insurance Assessments (12 items)

About Schedule RC-O · Finance Factors, Limited other data for deposit insurance assessments trends

Finance Factors, Limited Schedule RC-O, Q2 2026
Line item Code Q2 2026
Average Consolidated Total Assets for the Calendar Quarter RCFDK652 $683.3M
Total Deposit Liabilities as Defined in Section 3(1) of the Federal Deposit Insurance Act Before Exclusions RCFDF236 $520.1M
Amount of Deposit Accounts (Excluding Retirement Accounts) of $250,000 or Less RCONF049 $397.7M
Amount of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 RCONF051 $113.8M
Average Tangible Equity for the Calendar Quarter RCFDK654 $82.1M
Amount of Retirement Deposits Accounts of $250,000 or Less RCONF045 $8.3M
Amount of Retirement Deposit Accounts of More Than $250,000 RCONF047 $272K
Number of Deposit Accounts (Excluding Retirement Accounts)of $250,000 or Less RCONF050 11,457
Number of Retirement Deposit Accounts of $250,000 or Less RCONF046 480
Number of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 RCONF052 297
Averaging Method Used RCFDK653 1
Number of Retirement Deposit Accounts of More Than $250,000 RCONF048 1
Schedule RC-P: 1-4 Family Residential Mortgage Banking Activities (3 items)

About Schedule RC-P

Finance Factors, Limited Schedule RC-P, Q2 2026
Line item Code Q2 2026
Principal Amount of 1-4 Family Residential Mortgage Loans Sold During the Quarter RCONFT04 $2.0M
Retail originations during the quarter of 1-4 family residential mortgage loans for sale RCONHT81 $2.0M
Noninterest income for the quarter from the sale, securitization, and servicing of 1-4 family residential mortgage loans RIADHT85 $5K
Schedule RC-Q: Assets and Liabilities Measured at Fair Value on a Recurring Basis (17 items)

About Schedule RC-Q

Finance Factors, Limited Schedule RC-Q, Q2 2026
Line item Code Q2 2026
Other Trading Assets - Level 1 Fair Value Measurements RCFDG499 $27.9M
Other Trading Assets - Total Fair Value Reported on Schedule Rc RCFDG497 $27.9M
Total Assets Measured at Fair Value on a Recurring Basis - Total Fair Value Reported on Schedule Rc RCFDG502 $147.1M
Available-for-sale Securities - Level 2 Fair Value Measurements RCFDG476 $119.1M
Available-for-sale debt securities and equity securities with readily determinable fair values not held for trading purposes RCFDJA36 $119.1M
Total Assets Measured at Fair Value on a Recurring Basis - Level 2 Fair Value Measurements RCFDG505 $119.1M
Total Assets Measured at Fair Value on a Recurring Basis - Level 1 Fair Value Measurements RCFDG504 $28.0M
All Other Assets (Itemize and Describe Amounts Included in Schedule Rc-q, Item 6, That Are Greater Than $100,000 and Exceed 25% of Item 6): Mortgage Servicing Rights - Level 1 Fair Value Measurements RCFDG538 $55K
All Other Assets (Itemize and Describe Amounts Included in Schedule Rc-q, Item 6, That Are Greater Than $100,000 and Exceed 25% of Item 6): Mortgage Servicing Rights - Total Fair Value Reported on Schedule Rc RCFDG536 $55K
All Other Assets - Level 1 Fair Value Measurements RCFDG395 $55K
All Other Assets - Total Fair Value Reported on Schedule Rc RCFDG391 $55K
All Other Liabilities (Itemize and Describe Amounts Included in Schedule Rc-q, Item 13, That Are Greater Than $100,000 and Exceed 25% of Item 13): Nontrading Derivative Liabilities - Level 3 Fair Value Measurement RCFDG570 $28K
All Other Liabilities (Itemize and Describe Amounts Included in Schedule Rc-q, Item 13, That Are Greater Than $100,000 and Exceed 25% of Item 13): Nontrading Derivative Liabilities - Total Fair Value Reported on Schedule Rc RCFDG566 $28K
All Other Liabilities - Level 3 Fair Value Measurements RCFDG809 $28K
All Other Liabilities - Total Fair Value Reported on Balance Sheet RCFDG805 $28K
Total Liabilities Measured at Fair Value on a Recurring Basis - Level 3 Fair Value Measurements RCFDG535 $28K
Total Liabilities Measured at Fair Value on a Recurring Basis - Total Fair Value Reported on Schedule Rc RCFDG531 $28K
Schedule RC-R, Part I: Regulatory Capital Components and Ratios (25 items)

About Schedule RC-R, Part I · Finance Factors, Limited regulatory capital components and ratios trends

Finance Factors, Limited Schedule RC-R, Part I, Q2 2026
Line item Code Q2 2026
Average total consolidated assets RCFAKW03 $683.3M
Average Total Assets (Net of Deductions) RCFAA224 $682.7M
Risk-weighted Assets (Net of Allowances and Other Deductions) RCFAA223 $524.7M
Total Qualifying Capital Allowable Under the Risk-based Capital Guidelines RCFA3792 $88.7M
Subtotal of Common Equity Tier 1 Capital: Adjustments and Deductions RCFAP852 $82.6M
Common Equity Tier 1 Capital RCFAP859 $82.1M
Tier 1 Capital Allowable Under the Risk-based Capital Guidelines RCFA8274 $82.1M
Common Equity Tier 1 Capital Before Adjustments and Deductions RCFAP840 $80.0M
Retained Earnings RCFAKW00 $71.0M
Common Equity Tier 1 Capital: Common Stock Plus Related Surplus, Net of Treasury Stock and Unearned Employee Stock Ownership Plan (ESOP) Shares RCFAP742 $11.6M
General Loan and Lease Valuation Allowances RCFA5310 $6.6M
Tier 2 (Supplementary) Capital RCFA5311 $6.6M
Tier 2 Capital Before Deductions RCFAP870 $6.6M
Accumulated Other Comprehensive Income RCFAB530 -$2.6M
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) RCFAP844 -$2.6M
Additional Tier 1 Capital Deductions RCFAP864 $538K
Deductions Applied to Common Equity Tier 1 Capital Due to Insufficient Amounts of Additional Tier 1 Capital and Tier 2 Capital to Cover Deductions RCFAP857 $538K
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) RCFAP875 $538K
Total Adjustments and Deductions for Common Equity Tier 1 Capital RCFAP858 $538K
A. AOCI Opt-out Election (Enter '1' for Yes, Enter '0' for No.) RCOAP838 1
Total Risk-based Capital Ratio RCFA7205 0.169
Common Equity Tier 1 Capital Ratio RCFAP793 0.1564
Tier 1 Risk-based Capital Ratio RCFA7206 0.1564
Tier 1 Leverage Capital Ratio RCFA7204 0.1202
Institution-specific Capital Buffer Necessary to Avoid Limitations on Distributions and Discretionary Bonus Payments: Capital Conservation Buffer RCFAH311 0.089
Schedule RC-R, Part II: Risk-Weighted Assets (61 items)

About Schedule RC-R, Part II · Finance Factors, Limited risk-weighted assets trends

Finance Factors, Limited Schedule RC-R, Part II, Q2 2026
Line item Code Q2 2026
Risk-weighted Assets for Purposes of Calculating the Allowance for Loan and Lease Losses 1.25 Percent Threshold RCFDS580 $531.2M
Total Risk-weighted Assets RCFDG641 $524.7M
Risk-weighted Assets by Risk-weighted Category - 100 Pct Risk Weight Category RCFDG637 $280.7M
Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 100 Pct Risk Weight Category RCFDG633 $280.7M
Total Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures RCFDS439 $269.7M
Total Balance Sheet Assets - 100 Pct Risk Weight Category RCFDD990 $268.7M
Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 50 Pct Risk Weight Category RCFDG632 $264.3M
Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures - 50 Pct Risk Weight Category RCFDS442 $262.9M
Total Balance Sheet Assets - 50 Pct Risk Weight Category RCFDD989 $262.9M
Total Loans and Leases, Net of Unearned Income, All Other Exposures RCFDS457 $186.4M
Loans and Leases, Net of Unearned Income, All Other Exposures - 100 Pct Risk Weight Category RCFDS462 $185.9M
Risk-weighted Assets by Risk-weighted Category - 50 Pct Risk Weight Category RCFDG636 $132.2M
Available-for-sale debt securities and equity securities with readily determinable fair values not held for trading purposes, Total Fair Value RCFDJA21 $110.0M
Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 20 Pct Risk Weight Category RCFDG631 $92.3M
Total Balance Sheet Assets - 20 Pct Risk Weight Category RCFDD988 $92.3M
Risk-weighted Assets by Risk-weighted Category - 300 Pct Risk Weight Category RCFDS574 $83.8M
Total All Other Assets RCFDD981 $83.7M
Available-for-sale Securities - 20 Pct Risk Weight Category RCFDD968 $83.5M
All Other Assets - 100 Pct Risk Weight Category RCFDD985 $76.0M
Unconditionally Cancellable Commitments RCFDS540 $32.8M
Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 0 Pct Risk Weight Category RCFDG630 $32.1M
Total Balance Sheet Assets - 0 Pct Risk Weight Category RCFDD987 $32.1M
Available-for-sale Securities - 0 Pct Risk Weight Category RCFDD967 $30.1M
Allocation by Risk Weight Category 300%, Trading Assets RCFDH186 $27.9M
Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 300 Pct Risk Weight Category RCFDS563 $27.9M
Total Balance Sheet Assets - 300 Pct Risk Weight Category RCFDS505 $27.9M
Total Trading Assets RCFDD976 $27.9M
Unused Commitments, Original Maturity Exceeding One Year - Face, Notional, or Other Amount RCFDG624 $22.1M
Risk-weighted Assets by Risk-weighted Category - 20 Pct Risk Weight Category RCFDG635 $18.5M
Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, Face, Notional or Other Amount RCFDS525 $12.4M
Unused Commitments, Original Maturity Exceeding One Year - 100 Pct Risk Weight Category RCFDG629 $11.0M
Unused Commitments, Original Maturity Exceeding One Year - Credit Equivalent Amount RCFDG625 $11.0M
All Other Assets, Separate Account Bank-owned Life Insurance - Application of Other Risk Weighting Approaches Risk-weighted Asset Amount RCFDH297 $10.5M
Notional Principal Amounts of Over-the-counter Derivate Contracts, Interest Rate - One Year or Less RCFDS582 $10.0M
On-balance Sheet Securitization Exposures, Available-for-sale Securities - Adjustments to Total Reported in Column a RCFDS481 $9.1M
Total On-balance Sheet Securitization Exposures, Available-for-sale Securities RCFDS480 $9.1M
Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures - 100 Pct Risk Weight Category RCFDS443 $6.8M
Total Cash and Balances Due from Depository Institutions RCFDD957 $6.6M
Total Balance Sheet Assets - Adjustments to Total Reported in Column a RCFDS500 -$5.7M
Cash and Balances Due from Depository Institutions - 20 Pct Risk Weight Category RCFDD959 $4.6M
All Other Assets - 20 Pct Risk Weight Category RCFDD983 $3.7M
Available-for-sale Securities - Adjustment to Totals Reported in Column a RCFDS402 -$3.6M
All Other Assets, Separate Account Bank-owned Life Insurance - Application of Other Risk Weighting Approaches Exposure Amount RCFDH296 $3.5M
Total Balance Sheet Assets - Other Risk Weighting Approaches Exposure Amount RCFDH300 $3.5M
Risk-weighted Assets by Risk-weighted Category - 150 Pct Risk Weight Category RCFDS572 $3.1M
Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, Credit Equivalent Amount RCFDS526 $2.5M
Loans and Leases, Net of Unearned Income, Exposures Past Due 90 Days or More or on Nonaccrual - 150 Pct Risk Weight Category RCFDS455 $2.1M
Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 150 Pct Risk Weight Category RCFDS561 $2.1M
Total Balance Sheet Assets - 150 Pct Risk Weight Category RCFDS503 $2.1M
Total Loans and Leases, Net of Unearned Income, Exposures Past Due 90 Days or More or on Nonaccrual RCFDS449 $2.1M
Cash and Balances Due from Depository Institutions - 0 Pct Risk Weight Category RCFDD958 $2.0M
On-balance Sheet Securitization Exposures, Available-for-sale Securities - Ssfa Risk Weight Exposure, by Calculation Methodology RCFDS483 $1.8M
Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, 50% RCFDS529 $1.5M
Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, 100% RCFDS530 $964K
All Other Assets - Adjustments to Totals Reported in Column a RCFDS469 $538K
Loans and Leases, Net of Unearned Income, All Other Exposures - 20 Pct Risk Weight Category RCFDS460 $493K
Risk-weighted Assets by Risk-weighted Category - 250 Pct Risk Weight Category RCFDS573 $138K
Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, 20% RCFDS528 $60K
All Other Assets - 250 Pct Risk Weight Category RCFDH293 $55K
The total of all components in the 250% balance sheet asset category on Call Report Schedule RC-R is multiplied by 250% RCFDS504 $55K
Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 250 Pct Risk Weight Category RCFDS562 $55K
Schedule RC-S: Servicing, Securitization, and Asset Sale Activities (1 item)

About Schedule RC-S

Finance Factors, Limited Schedule RC-S, Q2 2026
Line item Code Q2 2026
Outstanding Principal Balance of Assets Serviced for Others (Memorandum Item 2.C Is to Be Completed If the Balance Is More Than $10 Million): 1-4 Family Residential Mortgages Serviced with No Recourse or Other Servicer-provided Credit Enhancements RCFDB805 $53.2M
Schedule RI-A: Changes in Bank Equity Capital (4 items)

About Schedule RI-A

Finance Factors, Limited Schedule RI-A, Q2 2026
Line item Code Q2 2026
Total Equity Capital RIAD3210 $80.0M
Balance End of Previous Calendar Year as Restated RIADB508 $78.5M
Equity Capital, Most Recently Reported for the End of Previous Calendar Year (I.e., After Adjustments from Amended Reports of Income) RIAD3217 $78.5M
Other Comprehensive Income RIADB511 -$625K
Schedule RI-B, Part I: Charge-offs and Recoveries on Loans and Leases (3 items)

About Schedule RI-B, Part I · Finance Factors, Limited charge-offs and recoveries on loans and leases trends

Finance Factors, Limited Schedule RI-B, Part I, Q2 2026
Line item Code Q2 2026
Recoveries on Allowance for Loan and Lease Losses RIAD4605 $27K
1-4 Family Residential Construction Loans Recoveries RIADC892 $25K
Recoveries on Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit RIAD5412 $2K
Schedule RI-B, Part II: Changes in Allowances for Credit Losses (3 items)

About Schedule RI-B, Part II · Finance Factors, Limited changes in allowances for credit losses trends

Finance Factors, Limited Schedule RI-B, Part II, Q2 2026
Line item Code Q2 2026
Allowance for Loan and Lease Losses RIAD3123 $11.8M
Balance Most Recently Reported for the December 31, 2000, Reports of Condition and Income(i.e., After Adjustments from Amended Report of Income) RIADB522 $11.4M
Provisions for credit losses on off-balance-sheet exposures RIADMG93 -$325K
Schedule RI-E: Explanations (6 items)

About Schedule RI-E

Finance Factors, Limited Schedule RI-E, Q2 2026
Line item Code Q2 2026
Data Processing Expenses RIADC017 $948K
Earnings On/increase in Value of Cash Surrender Value of Life Insurance RIADC014 $519K
Consulting and Advisory Expense RIADF557 $265K
Accounting and Auditing Expenses RIADF556 $172K
Marketing and Other Professional Services RIAD0497 $164K
First Itemized Amount That Exceeds 10% of All Other Noninterest Income (5408) RIAD4461 -$137K

Finance Factors, Limited call reports on file

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

Where can I find the Finance Factors, Limited call report?

The Finance Factors, Limited 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 Finance Factors, Limited file?

Finance Factors, Limited files the FFIEC 031. 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 Finance Factors, Limited call report number?

A call report has no number of its own. It is filed and looked up by the bank's identifiers: Finance Factors, Limited has Federal Reserve RSSD ID 827560 and FDIC certificate number 25158. Either one finds its filings on the FFIEC Central Data Repository.

How often does Finance Factors, Limited 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.

Finance Factors, Limited 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.