Bank call report · De Witt, IA
First Central State Bank Call Report
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First Central State Bank filed its latest call report for the quarter ended June 30, 2026 on the FFIEC 051. Below are its 312 reported line items, schedule by schedule (388 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 | 639549 |
| FDIC certificate number | 19716 |
| Total assets | $772.4M |
Official Q2 2026 call report PDF (FFIEC) →
First Central State 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 (28 items)
About Schedule RC · First Central State Bank balance sheet trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Assets | RCON2170 | $772.4M |
| Total Liabilities, Limited-life Preferred Stock, and Equity Capital | RCON3300 | $772.4M |
| Total Liabilities and Minority Interest | RCON2948 | $673.2M |
| Total Deposits | RCON2200 | $595.4M |
| Loans and Leases, Net of Unearned Income - Totals | RCONB528 | $495.3M |
| Loans and Leases, Net of Unearned Income and Allowance | RCONB529 | $489.0M |
| Total Interest-bearing Deposits in Foreign and Domestic Offices | RCON6636 | $479.5M |
| Available-for-sale debt securities (from Schedule RC-B, column D) | RCON1773 | $225.8M |
| Deposits: Noninterest-bearing | RCON6631 | $115.9M |
| Undivided Profits and Capital Reserves | RCON3632 | $101.3M |
| Total Equity Capital | RCON3210 | $99.1M |
| Total Equity Capital Including Noncontrolling Minority Interests in Consolidated Subsidiaries | RCONG105 | $99.1M |
| Securities Sold Under Agreements to Repurchase | RCONB995 | $58.9M |
| Other Assets | RCON2160 | $27.5M |
| Interest-bearing Balances | RCON0071 | $15.9M |
| Other Borrowed Money | RCON3190 | $12.1M |
| Accumulated Other Comprehensive Income | RCONB530 | -$9.1M |
| Other Liabilities, Total | RCON2930 | $6.8M |
| Allowance for Loan and Lease Losses | RCON3123 | $6.3M |
| Surplus | RCON3839 | $6.3M |
| Premises and Fixed Assets (Including Capitalized Leases) | RCON2145 | $4.5M |
| Noninterest-bearing Balances and Currency and Coin | RCON0081 | $4.1M |
| Intangible Assets | RCON2143 | $3.1M |
| Goodwill | RCON3163 | $3.0M |
| Loans and Leases Held for Sale | RCON5369 | $1.8M |
| Common Stock | RCON3230 | $650K |
| Other Real Estate Owned | RCON2150 | $581K |
| Equity securities with readily determinable fair values not held for trading | RCONJA22 | $62K |
Schedule RI: Income Statement (46 items)
About Schedule RI · First Central State Bank income statement trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Interest Income | RIAD4107 | $19.6M |
| Interest and Fee Income on Loans, Total | RIAD4010 | $15.8M |
| Net Interest Income | RIAD4074 | $13.2M |
| Total Noninterest Expense | RIAD4093 | $8.2M |
| Income (Loss) Before Applicable Income Taxes and Discontinued Operations | RIAD4301 | $6.9M |
| Income (loss) before change in net unrealized holding gains (losses) on equity securities not held for trading, applicable income taxes, and discontinued operations operations (item 3 plus or minus items 4, 5.m, 6.a, 6.b, and 7.e) | RIADHT69 | $6.9M |
| Interest and Fee Income on All Other Loans Secured by Real Estate | RIAD4436 | $6.6M |
| Total Interest Expense | RIAD4073 | $6.5M |
| Income (Loss) Before Discontinued Operations | RIAD4300 | $5.6M |
| Net Income (Loss) | RIAD4340 | $5.6M |
| Net Income (Loss) Attributable to Bank and Noncontrolling Minority Interests | RIADG104 | $5.6M |
| Salaries and Employee Benefits | RIAD4135 | $4.9M |
| Interest and Fee Income on Loans Secured by 1-4 Family Residential Properties | RIAD4435 | $3.9M |
| Interest and Fee Income on Commercial and Industrial Loans | RIAD4012 | $2.8M |
| Other Noninterest Expense | RIAD4092 | $2.6M |
| Total Noninterest Income | RIAD4079 | $2.4M |
| Savings Deposits (Including Mmdas) | RIAD0093 | $2.1M |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of 250000 or Less | RIADHK03 | $2.0M |
| Interest and Fee Income on All Other Loans in Domestic Offices | RIAD4058 | $1.9M |
| Interest and Fee Income on Loans to Finance Agricultural Production and Other Loans to Farmers in Domestic Offices | RIAD4024 | $1.9M |
| Interest on Other Securities | RIAD4060 | $1.7M |
| Interest and Dividend Income on Securities: U.S. Treasury Securities and U.S. Government Agency Obligations (Excluding Mortgage-backed Securities) | RIADB488 | $1.6M |
| Applicable Income Taxes | RIAD4302 | $1.4M |
| Interest and Dividend Income on Tax-exempt Securities Issued by States and Political Subdivisions in the U.S. | RIAD4507 | $1.3M |
| Noninterest income: Fees and commissions from securities brokerage, investment banking, advisory, and underwriting activities | RIADHT73 | $1.1M |
| Expense of Federal Funds Purchased and Securities Sold Under Agreements to Repurchase | RIAD4180 | $819K |
| Other Noninterest Income | RIADB497 | $805K |
| Interest on Transaction Accounts (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) | RIAD4508 | $794K |
| Expenses of Premises and Fixed Assets | RIAD4217 | $761K |
| Provision for Loan and Lease Losses | RIAD4230 | $745K |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of More Than 250000 | RIADHK04 | $515K |
| 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 | $515K |
| Provisions for Credit Losses on Financial Assets | RIADJJ33 | $475K |
| Service Charges on Deposit Accounts in Domestic Offices | RIAD4080 | $332K |
| Interest Income on Balances Due from Depository Institutions | RIAD4115 | $251K |
| Interest and Dividend Income on Securities: Mortgage-backed Securities | RIADB489 | $233K |
| Net Gains (Losses) on Sales of Loans | RIAD5416 | $233K |
| Other Interest Expense | RIADGW44 | $204K |
| Other Interest Income | RIAD4518 | $81K |
| Net Gains (Losses) on Other Real Estate Owned | RIAD5415 | -$70K |
| Net Servicing Fees | RIADB492 | $26K |
| Estimated Income on Tax-exempt Loans and Leases to States and Political Subdivisions in the U.S. | RIAD4313 | $23K |
| Interest Income on Federal Funds Sold and Securities Purchased Under Agreements to Resell | RIAD4020 | $17K |
| Noninterest income: Income from insurance activities | RIADHT74 | $13K |
| Unrealized holding gains (losses) on equity securities not held for trading | RIADHT70 | $7K |
| Number of Full Time Equivalent Employees on Payroll at End of Current Period | RIAD4150 | 96 |
Schedule RC-B: Securities (31 items)
About Schedule RC-B · First Central State Bank securities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Mortgage-backed Securities (MBS): Residential Pass-through Securities: Other Pass-through Securities: Available-for-sale Amortized Cost | RCONG310 | $19.3M |
| Mortgage-backed Securities (MBS): Residential Pass-through Securities: Other Pass-through Securities: Available-for-sale Fair Value | RCONG311 | $16.9M |
| 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 | $2.8M |
| 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 | $2.4M |
| Total Amortized Cost of Available-for-sale Securities | RCON1772 | $237.7M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Five Years Through Fifteen Years | RCONA553 | $126.2M |
| Amortized Cost of Available-for-sale Securities Issued by States and Political Subdivisions in the U.S. | RCON8498 | $121.5M |
| Fair Value of Available-for-sale Securities Issued by States and Political Subdivisions in the U.S. | RCON8499 | $114.4M |
| Pledged Securities | RCON0416 | $93.0M |
| Amortized Cost of Available-for-sale U.S. Treasury Securities | RCON1286 | $56.8M |
| Fair Value of Available-for-sale U.S. Treasury Securities | RCON1287 | $56.3M |
| US government agency obligations (exclude mortgage-backed securities), Available for sale, Amortized Cost | RCONHT52 | $32.3M |
| US government agency obligations (exclude mortgage-backed securities), Available for sale, Fair Value | RCONHT53 | $31.5M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Years Through Five Years | RCONA552 | $29.6M |
| 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 | $21.7M |
| Fixed Rate and Floating Rate Debt Securities with a Remaining Maturity of One Year or Less | RCONA248 | $20.4M |
| 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 | $13.5M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONA550 | $10.4M |
| 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 | $9.9M |
| 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 of Over Ffteen Years | RCONA554 | $6.8M |
| 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 | RCONA560 | $5.2M |
| OTHER MORTGAGE-BACKED SECURITIES (INCLUDE CMOs, REMICs, AND STRIPPED MBS) WITH AN EXPECTED AVERAGE LIFE OF OVER THREE YEARS | RCONA562 | $2.4M |
| Mortgage backed securities (MBS), Issued or guarnteed by FNMA, FHLMC, or GNMA, Available for sale, Amortized Cost | RCONHT56 | $2.1M |
| Asset-backed securities and structured financial products, Structured financial products, Available for sale, Amortized Cost | RCONHT60 | $2.0M |
| Structured financial products guaranteed by U.S. Government agencies or sponsored agencies included in Schedule HC-B, item 5.b -- Available-for-sale: Amortized Cost | RCONPV00 | $2.0M |
| Asset-backed securities and structured financial products, Structured financial products, Available for sale, Fair Value | RCONHT61 | $1.8M |
| Guaranteed by U.S. Government Agencies or Sponsored Agencies Included in Schedule Rc-b, Item 5.B - Available-for-sale, Fair Value | RCONPV01 | $1.8M |
| Mortgage backed securities (MBS), Issued or guarnteed by FNMA, FHLMC, or GNMA, Available for sale, Fair Value | RCONHT57 | $1.8M |
| Mortgage-backed Securities (Mbs):commercial MBS: Commercial Mortgage Pass-through Securities:issued or Guaranteed by Fnma,fhlmc or GNMA: Available-for-sale Amortized Cost | RCONK144 | $761K |
| Mortgage-backed Securities (Mbs):commercial MBS: Commercial Mortgage Pass-through Securities:issued or Guaranteed by Fnma,fhlmc or GNMA: Available-for-sale Fair Value | RCONK145 | $745K |
| 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 | $8K |
Schedule RC-C, Part I: Loans and Leases (35 items)
About Schedule RC-C, Part I · First Central State Bank loans and leases trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Loans and Leases, Net of Unearned Income | RCON2122 | $497.2M |
| Fixed Rate and Floating Rate Loans and Leases with a Remaining Maturity of One Year or Less | RCONA247 | $177.7M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Years Through Five Years | RCONA573 | $147.3M |
| 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 Three Months or Less | RCONA570 | $110.3M |
| Loans Secured by Owner Occupied Nonfarm Nonresidential Properties | RCONF160 | $96.1M |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by First Liens | RCON5367 | $95.5M |
| Commercial and Industrial Loans | RCON1766 | $82.4M |
| Pledged Loans and Leases | RCONG378 | $79.5M |
| Real Estate Loans Secured by Farmland | RCON1420 | $65.0M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Months Through 12 Months | RCONA571 | $61.3M |
| 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 | $54.5M |
| Loans to Finance Agricultural Production and Other Loans to Farmers | RCON1590 | $52.0M |
| Loans Secured by Other Nonfarm Nonresidential Properties. | RCONF161 | $35.6M |
| 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 | $29.5M |
| 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 | $26.5M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over One Year Through Three Years | RCONA566 | $22.2M |
| 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 | $17.2M |
| Loans Secured by Other Construction Loans and All Land Development and Other Land Loans | RCONF159 | $17.1M |
| Real Estate Loans Secured by Multi-family (5 or More) Residential Properties | RCON1460 | $15.0M |
| Adjustable Rate Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties | RCON5370 | $12.2M |
| Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit | RCON1797 | $12.2M |
| 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 | $11.5M |
| Loans Secured by 1-4 Family Residential Construction | RCONF158 | $9.5M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Three Months or Less | RCONA564 | $8.8M |
| Automobile Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper) | RCONK137 | $8.6M |
| 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 | $6.1M |
| Other Consumer Loans to Individuals for Household, Family, and Other Personal Expenditures (Includes Single Payment, Installment, and All Student Loans) | RCONK207 | $4.9M |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by Junior Liens | RCON5368 | $2.1M |
| Loans to Finance Commercial Real Estate, Construction, and Land Development Activities Included in Items 1766, 1563 for (Fr Y-9C), in Items 1766, 1563 for (FFIEC 031), in Items 1766, 1564 for (FFIEC 032 and 033), and in Items 1766, 2080 for (FFIEC 034) | RCON2746 | $1.2M |
| Obligations (Other Than Securities and Leases) of States and Political Subdivisions in the U.S. | RCON2107 | $973K |
| 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 | $895K |
| Total Loan Modifications to Borrowers Experiencing Financial Difficulty That Are in Compliance with Their Modified Terms | RCONHK25 | $589K |
| 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 | $574K |
| Other Loans | RCONJ464 | $262K |
| Loan Modifications to Borrowers Experiencing Financial Difficulty - Commercial and Industrial Loans | RCONK256 | $15K |
Schedule RC-C, Part II: Loans to Small Businesses and Small Farms (24 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 | $114.9M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5575 | $59.9M |
| Amount Currently Outstanding of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $250,000 Through $500,000 | RCON5583 | $18.3M |
| 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 | $12.8M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5573 | $12.1M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5571 | $10.5M |
| Amount Currently Outstanding of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of More Than $250,000 Through $500,000 | RCON5589 | $8.3M |
| Amount Currently Outstanding of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5587 | $8.1M |
| Amount Currently Outstanding of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5581 | $5.9M |
| Amount Currently Outstanding of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5585 | $5.7M |
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5565 | $4.0M |
| Amount Currently Outstanding of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5579 | $1.9M |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5570 | 501 |
| Number of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5584 | 242 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5568 | 142 |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5572 | 125 |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5574 | 107 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5566 | 107 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5564 | 99 |
| Number of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5586 | 87 |
| Number of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $250,000 Through $500,000 | RCON5582 | 70 |
| Number of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5580 | 55 |
| Number of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5578 | 40 |
| Number of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of More Than $250,000 Through $500,000 | RCON5588 | 40 |
Schedule RC-E: Deposit Liabilities (29 items)
About Schedule RC-E · First Central State Bank deposit liabilities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Nontransaction Accounts (Including Mmda's) | RCON2385 | $365.2M |
| Total Nontransaction Accounts Deposits of Individuals, Partnerships, and Corporations | RCONB550 | $266.8M |
| Total Transaction Accounts | RCON2215 | $230.2M |
| Total Transaction Accounts - Deposits of Individuals, Partnerships, and Corporation | RCONB549 | $200.4M |
| Money Market Deposit Accounts (Mmda's) | RCON6810 | $155.5M |
| Total Demand Deposits (See Note Below) | RCON2210 | $115.9M |
| Time Deposits of 250000 or Less with a Remaining Maturity of One Year or Less | RCONHK11 | $100.8M |
| Total Nontransaction Accounts of States and Political Subdivisions in the U.S. | RCON2530 | $98.2M |
| Other Nontransaction Savings Deposits (Excludes Mmda's) | RCON0352 | $67.6M |
| Total Time Deposits of Less Than $100,000 | RCON6648 | $63.1M |
| 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 | $63.0M |
| Components of Total Nontransaction Accounts: Total Time Deposits of $100,000 Through $250,000 | RCONJ473 | $50.0M |
| 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 | $37.8M |
| Total Transaction Accounts - Deposits of States and Political Subdivisions in the U.S. | RCON2203 | $29.7M |
| Components of Total Nontransaction Accounts: Total Time Deposits of More Than $250,000 | RCONJ474 | $29.0M |
| Time Deposits of More Than $250,000 with a Remaining Maturity of One or Year Less | RCONK222 | $25.2M |
| 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 Three Months Through 12 Months | RCONHK13 | $19.1M |
| All Time and Savings Deposits Held in IRA and Keogh Plan Accounts | RCON6835 | $16.8M |
| Total reciprocal deposits | RCONJH83 | $11.7M |
| 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 One Year Through Three Years | RCONHK09 | $11.0M |
| Individual Retirement Accounts (Iras) and Keogh Plan Accounts Included in Memorandum Item 2.C, 'Total Time Deposits of $100,000 or More,' Above | RCONF233 | $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 | $6.1M |
| 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 | $3.5M |
| 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 Years | RCONHK10 | $1.3M |
| Sweep deposits: Fully insured, non-affiliate sweep deposits | RCONMT91 | $990K |
| Total sweep deposits that are not brokered deposits | RCONMT95 | $990K |
| 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 | $336K |
| Total Nontransaction Accounts of Commercial Banks and Other Depository Institutions in the U.S. | RCONB552 | $247K |
| Total Transaction Accounts - Deposits of Commercial Banks and Other Depository Institutions in the U.S. | RCONB551 | $25K |
Schedule RC-F: Other Assets (9 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Life Insurance Assets: General Account Life Insurance Assets | RCONK201 | $11.0M |
| Accrued Interest Receivable | RCONB556 | $6.3M |
| Net Deferred Tax Assets | RCON2148 | $4.1M |
| Life Insurance Assets: Hybrid Account Life Insurance Assets | RCONK270 | $3.6M |
| Historical Cost of All Other Available-for-sale Equity Securities | RCON1752 | $1.6M |
| Other Assets | RCON2168 | $825K |
| Prepaid Expenses | RCON2166 | $514K |
| First Itemized Amount That Exceeds 25% of All Other Assets (2168) | RCON3549 | $210K |
| Other Repossessed Assets (Net) | RCON1578 | $7K |
Schedule RC-G: Other Liabilities (5 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| All Other Liabilities | RCON2938 | $3.1M |
| Deferred Compensation Liabilities | RCONC011 | $2.1M |
| Other Expenses Accrued and Unpaid | RCON3646 | $2.0M |
| Interest Accrued and Unpaid on Deposits (in Domestic Offices) | RCON3645 | $1.5M |
| Allowance for Credit Losses on Off-balance Sheet Credit Exposures | RCONB557 | $218K |
Schedule RC-K: Quarterly Averages (18 items)
About Schedule RC-K · First Central State Bank quarterly averages trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Quarterly Average of Total Assets | RCON3368 | $788.9M |
| Quarterly Average of Total Loans | RCON3360 | $492.5M |
| Quarterly Average of All Other Loans Secured by Real Estate | RCON3466 | $237.6M |
| Nontransaction Accounts in Domestic Offices: Savings Deposits | RCONB563 | $221.2M |
| All Other Securities | RCONB560 | $126.0M |
| Transaction Accounts (in Domestic Offices) (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) - Quarterly Average | RCON3485 | $122.3M |
| Liabilities, Nontransaction Accounts, Time Deposits of 250000 or Less | RCONHK16 | $113.4M |
| Quarterly Average of Loans Secured by 1-4 Family Residential Properties | RCON3465 | $107.8M |
| U.S. Treasury Securities and U.S. Government Agency Obligations (Excluding Mortgage-backed Securities) | RCONB558 | $92.0M |
| Quarterly Average of Commercial and Industrial Loans | RCON3387 | $80.2M |
| Quarterly Average of Federal Funds Purchased and Securities Sold Under Agreements to Repurchase | RCON3353 | $59.1M |
| Quarterly Average of Loans to Finance Agricultural Production and Other Loans to Farmers | RCON3386 | $53.5M |
| Liabilities, Nontransaction Accounts, Time Deposits of More Than 250000 | RCONHK17 | $29.5M |
| Mortgage-backed Securities | RCONB559 | $25.4M |
| Quarterly Average of Interest-bearing Balances Due from Depository Institutions | RCON3381 | $23.3M |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Other | RCONB562 | $13.4M |
| Quarterly Average of Other Borrowed Money | RCON3355 | $12.9M |
| Quarterly Average of Federal Funds Sold and Securities Purchased Under Agreements to Resell | RCON3365 | $1.1M |
Schedule RC-L: Derivatives and Off-Balance-Sheet Items (8 items)
About Schedule RC-L · First Central State Bank derivatives and off-balance-sheet items trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Other Unused Commitments: Commercial and Industrial Loans | RCONJ457 | $32.1M |
| Other Unused Commitments: All Other Unused Commitments | RCONJ459 | $26.8M |
| 1-4 Family Residential Construction Loan Commitments | RCONF164 | $12.6M |
| Unused Commitments - Revolving, Open-end Lines Secured by 1-4 Family Residential Properties | RCON3814 | $11.5M |
| Total Gross Notional Amount of Interest Rate Derivative Contracts Held for Purposes Other Than Trading: Contracts Marked to Market | RCON8725 | $9.3M |
| Commercial Real Estate, Other Construction Loan and Land Development Loan Commitments | RCONF165 | $8.8M |
| Commercial and Similar Letters of Credit | RCON3411 | $1.8M |
| Year-to-date Merchant Credit Card Sales Volume: Sales for Which the Reporting Bank Is the Acquiring Bank | RCONC223 | $179K |
Schedule RC-M: Memoranda (9 items)
About Schedule RC-M · First Central State 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 | $6.4M |
| FHLB Advances: Advances with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONF056 | $5.4M |
| FHLB Advances: Advances with a Remaining Maturity or Next Repricing Date of Over Three Through Five Years | RCONF057 | $3.5M |
| FHLB Advances (Loans) Due in One Year or Less | RCON2651 | $3.3M |
| FHLB Advances: Advances with a Remaining Maturity or Next Repricing Date of One Year or Less | RCONF055 | $3.3M |
| All Other Real Estate Owned: 1-4 Family Residential Properties in Domestic Offices | RCON5510 | $581K |
| Estimated Fair Value of Mortgage Servicing Assets | RCONA590 | $134K |
| Mortgage Servicing Assets | RCON3164 | $134K |
| 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 | 3 |
Schedule RC-N: Past Due and Nonaccrual Loans, Leases, and Other Assets (17 items)
About Schedule RC-N · First Central State Bank past due and nonaccrual loans, leases, and other assets trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Loans and Lease Finance Receivables: Nonaccrual | RCON1403 | $1.0M |
| Total Loans and Lease Financing Receivables: Past Due 30-89 Days and Still Accruing | RCON1406 | $777K |
| Loans Secured by Owner-occupied Nonfarm Nonresidential Properties, Nonaccrual | RCONF182 | $577K |
| Additions to Nonaccrual Assets | RCONC410 | $551K |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens-past Due 30 Thru 89 Days and Still Accruing | RCONC236 | $246K |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens-nonaccural | RCONC229 | $244K |
| Loans Secured by Owner-occupied Nonfarm Nonresidential Properties, 30-89 Days Past Due | RCONF178 | $172K |
| Commercial and Industrial Loans - Nonaccrual | RCON1608 | $160K |
| All Other Loans - Past Due 30 Through 89 Days and Still Accruing | RCON5459 | $142K |
| Loans to Finance Agricultural Production and Other Loans to Farmers - Past Due 30-89 Days and Still Accruing | RCON1594 | $142K |
| 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 | $128K |
| 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 | $51K |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Automobile Loans - Past Due 30 Through 89 Days and Still Accruing | RCONK213 | $38K |
| Commercial and Industrial Loans - Past Due 30-89 Days and Still Accruing | RCON1606 | $21K |
| Loans Secured by Other Nonfarm Nonresidential Properties, 30-89 Days Past Due | RCONF179 | $18K |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Other - Nonaccrual | RCONK218 | $12K |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Other - Past Due 30 Through 89 Days and Still Accruing | RCONK216 | $12K |
Schedule RC-O: Other Data for Deposit Insurance Assessments (12 items)
About Schedule RC-O · First Central State Bank other data for deposit insurance assessments trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average Consolidated Total Assets for the Calendar Quarter | RCONK652 | $788.9M |
| Total Deposit Liabilities as Defined in Section 3(1) of the Federal Deposit Insurance Act Before Exclusions | RCONF236 | $597.0M |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of $250,000 or Less | RCONF049 | $351.3M |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF051 | $228.8M |
| Average Tangible Equity for the Calendar Quarter | RCONK654 | $104.2M |
| Amount of Retirement Deposits Accounts of $250,000 or Less | RCONF045 | $14.3M |
| Amount of Retirement Deposit Accounts of More Than $250,000 | RCONF047 | $2.5M |
| Number of Deposit Accounts (Excluding Retirement Accounts)of $250,000 or Less | RCONF050 | 23,823 |
| Number of Retirement Deposit Accounts of $250,000 or Less | RCONF046 | 422 |
| Number of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF052 | 284 |
| Number of Retirement Deposit Accounts of More Than $250,000 | RCONF048 | 6 |
| Averaging Method Used | RCONK653 | 1 |
Schedule RC-R, Part I: Regulatory Capital Components and Ratios (21 items)
About Schedule RC-R, Part I · First Central State Bank regulatory capital components and ratios trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average total consolidated assets | RCOAKW03 | $788.9M |
| Average Total Assets (Net of Deductions) | RCOAA224 | $785.9M |
| Total Assets | RCOA2170 | $772.4M |
| Common Equity Tier 1 Capital | RCOAP859 | $105.2M |
| Subtotal of Common Equity Tier 1 Capital: Adjustments and Deductions | RCOAP852 | $105.2M |
| Tier 1 Capital Allowable Under the Risk-based Capital Guidelines | RCOA8274 | $105.2M |
| Retained Earnings | RCOAKW00 | $101.3M |
| Common Equity Tier 1 Capital Before Adjustments and Deductions | RCOAP840 | $99.1M |
| Unconditionally Cancellable Commitments | RCOAS540 | $69.7M |
| Total off-balance sheet exposures (sum of items 34.a through 34.c) Report as a dollar amount in Column A and as a percentage of total assets (25% limit) in Column B | RCOAKX82 | $23.8M |
| Off-balance sheet exposures: Unused portion of conditionally cancellable commitments | RCOAKX79 | $22.0M |
| Accumulated Other Comprehensive Income | RCOAB530 | -$9.1M |
| Less: Net Unrealized Gains (Losses) on Available-for-sale Debt Securities (If a Gain, Report as a Positive Value, If a Loss, Report as a Negative Value) | RCOAP844 | -$9.1M |
| Common Equity Tier 1 Capital: Common Stock Plus Related Surplus, Net of Treasury Stock and Unearned Employee Stock Ownership Plan (ESOP) Shares | RCOAP742 | $6.9M |
| Goodwill Net of Associated Deferred Tax Liabilities (Dtls) | RCOAP841 | $3.0M |
| 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 | $3.0M |
| Off-balance sheet exposures: Other off-balance sheet exposures | RCOAKX81 | $1.8M |
| A. AOCI Opt-out Election (Enter '1' for Yes, Enter '0' for No.) | RCOAP838 | 1 |
| Do you qualify for and opt-in to CBLR? | RCOALE74 | 1 |
| Tier 1 Leverage Capital Ratio | RCOA7204 | 0.1339 |
| Total off-balance sheet exposures (sum of items 15a through 15.c) | RCOAKX83 | 0.0308 |
Schedule RI-A: Changes in Bank Equity Capital (5 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Equity Capital | RIAD3210 | $99.1M |
| Balance End of Previous Calendar Year as Restated | RIADB508 | $95.7M |
| Equity Capital, Most Recently Reported for the End of Previous Calendar Year (I.e., After Adjustments from Amended Reports of Income) | RIAD3217 | $95.7M |
| Other Comprehensive Income | RIADB511 | -$1.2M |
| Cash Dividends Declared on Common Stock | RIAD4460 | $992K |
Schedule RI-B, Part I: Charge-offs and Recoveries on Loans and Leases (9 items)
About Schedule RI-B, Part I · First Central State Bank charge-offs and recoveries on loans and leases trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Charge-offs on Allowance for Loan and Lease Losses | RIAD4635 | $111K |
| Charge-offs on Commercial and Industrial Loans | RIAD4638 | $94K |
| Recoveries on Allowance for Loan and Lease Losses | RIAD4605 | $81K |
| Recoveries on Commercial and Industrial Loans | RIAD4608 | $74K |
| Charge-offs on Automobile Loans | RIADK129 | $16K |
| Recoveries on Automobile Loans | RIADK133 | $5K |
| Charge-offs on All Other Loans | RIAD4644 | $1K |
| Recoveries All Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADK206 | $1K |
| Recoveries on All Other Loans | RIAD4628 | $1K |
Schedule RI-B, Part II: Changes in Allowances for Credit Losses (4 items)
About Schedule RI-B, Part II · First Central State Bank changes in allowances for credit losses trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Allowance for Loan and Lease Losses | RIAD3123 | $6.3M |
| Balance Most Recently Reported for the December 31, 2000, Reports of Condition and Income(i.e., After Adjustments from Amended Report of Income) | RIADB522 | $5.6M |
| Provisions for credit losses on off-balance-sheet exposures | RIADMG93 | -$270K |
| Charge-offs on Allowance for Loan and Lease Losses | RIADC079 | $111K |
Schedule SU: Supplemental Information (2 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Outstanding Principal Balance of Assets Sold by the Reporting Institution with Recourse or Other Seller Provided Credit Enhancements, But Not Securitized by the Reporting Institution | RCONFT10 | $14.2M |
| Total Outstanding Principal Balance of Closed End 1-4 Family Residential Mortgage Loans Serviced for Others Plus the Total Outstanding Principal Balance of Other Financial Assets Serviced for Others If More Than $10 Million | RCONFT12 | $12.8M |
First Central State 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 First Central State Bank call report?
The First Central State 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 First Central State Bank file?
First Central State 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 First Central State Bank call report number?
A call report has no number of its own. It is filed and looked up by the bank's identifiers: First Central State Bank has Federal Reserve RSSD ID 639549 and FDIC certificate number 19716. Either one finds its filings on the FFIEC Central Data Repository.
How often does First Central State 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.
First Central State 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 19716) · FFIEC NIC profile (RSSD 639549)