Bank call report · La Grange, IL
FNBC Bank and Trust Call Report
BankRegReports is independent of FNBC Bank and Trust and never asks for online banking logins or passwords.
FNBC Bank and Trust filed its latest call report for the quarter ended June 30, 2026 on the FFIEC 051. Below are its 321 reported line items, schedule by schedule (785 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 | 608844 |
| FDIC certificate number | 11306 |
| Total assets | $581.6M |
Official Q2 2026 call report PDF (FFIEC) →
FNBC Bank and Trust call report by schedule, Q2 2026
Dollar amounts are as filed, in the units the form uses. Each line item links to its definition; each schedule links to the full schedule reference for the FFIEC 051.
Schedule RC: Balance Sheet (24 items)
About Schedule RC · FNBC Bank and Trust balance sheet trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Assets | RCON2170 | $581.6M |
| Total Liabilities, Limited-life Preferred Stock, and Equity Capital | RCON3300 | $581.6M |
| Total Liabilities and Minority Interest | RCON2948 | $527.6M |
| Total Deposits | RCON2200 | $525.1M |
| Total Interest-bearing Deposits in Foreign and Domestic Offices | RCON6636 | $356.3M |
| Loans and Leases, Net of Unearned Income - Totals | RCONB528 | $328.3M |
| Loans and Leases, Net of Unearned Income and Allowance | RCONB529 | $324.5M |
| Available-for-sale debt securities (from Schedule RC-B, column D) | RCON1773 | $204.2M |
| Deposits: Noninterest-bearing | RCON6631 | $168.8M |
| Total Equity Capital | RCON3210 | $54.0M |
| Total Equity Capital Including Noncontrolling Minority Interests in Consolidated Subsidiaries | RCONG105 | $54.0M |
| Undivided Profits and Capital Reserves | RCON3632 | $37.0M |
| Interest-bearing Balances | RCON0071 | $23.6M |
| Surplus | RCON3839 | $20.4M |
| Premises and Fixed Assets (Including Capitalized Leases) | RCON2145 | $10.2M |
| Noninterest-bearing Balances and Currency and Coin | RCON0081 | $9.6M |
| Other Assets | RCON2160 | $7.2M |
| Accumulated Other Comprehensive Income | RCONB530 | -$5.8M |
| Allowance for Loan and Lease Losses | RCON3123 | $3.8M |
| Other Liabilities, Total | RCON2930 | $2.5M |
| Common Stock | RCON3230 | $2.4M |
| Intangible Assets | RCON2143 | $1.8M |
| Goodwill | RCON3163 | $1.3M |
| Equity securities with readily determinable fair values not held for trading | RCONJA22 | $451K |
Schedule RI: Income Statement (38 items)
About Schedule RI · FNBC Bank and Trust income statement trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Interest Income | RIAD4107 | $12.1M |
| Net Interest Income | RIAD4074 | $9.3M |
| Interest and Fee Income on Loans, Total | RIAD4010 | $9.0M |
| Total Noninterest Expense | RIAD4093 | $8.6M |
| Interest and Fee Income on All Other Loans Secured by Real Estate | RIAD4436 | $5.8M |
| Salaries and Employee Benefits | RIAD4135 | $5.4M |
| Income (Loss) Before Applicable Income Taxes and Discontinued Operations | RIAD4301 | $4.5M |
| Income (loss) before change in net unrealized holding gains (losses) on equity securities not held for trading, applicable income taxes, and discontinued operations operations (item 3 plus or minus items 4, 5.m, 6.a, 6.b, and 7.e) | RIADHT69 | $4.1M |
| Total Noninterest Income | RIAD4079 | $3.6M |
| Income (Loss) Before Discontinued Operations | RIAD4300 | $3.4M |
| Net Income (Loss) | RIAD4340 | $3.4M |
| Net Income (Loss) Attributable to Bank and Noncontrolling Minority Interests | RIADG104 | $3.4M |
| Interest and Fee Income on Loans Secured by 1-4 Family Residential Properties | RIAD4435 | $3.0M |
| Total Interest Expense | RIAD4073 | $2.8M |
| Other Noninterest Expense | RIAD4092 | $2.4M |
| Interest and Dividend Income on Securities: U.S. Treasury Securities and U.S. Government Agency Obligations (Excluding Mortgage-backed Securities) | RIADB488 | $1.3M |
| Applicable Income Taxes | RIAD4302 | $1.1M |
| Interest and Dividend Income on Securities: Mortgage-backed Securities | RIADB489 | $1.1M |
| Savings Deposits (Including Mmdas) | RIAD0093 | $1.1M |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of 250000 or Less | RIADHK03 | $869K |
| Expenses of Premises and Fixed Assets | RIAD4217 | $780K |
| Net Gains (Losses) on Sales of Other Assets (Excluding Securities) | RIADB496 | $642K |
| Interest on Transaction Accounts (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) | RIAD4508 | $578K |
| Interest Income on Balances Due from Depository Institutions | RIAD4115 | $482K |
| Unrealized holding gains (losses) on equity securities not held for trading | RIADHT70 | $451K |
| Other Noninterest Income | RIADB497 | $305K |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of More Than 250000 | RIADHK04 | $248K |
| Interest on Other Securities | RIAD4060 | $230K |
| Interest and Fee Income on Commercial and Industrial Loans | RIAD4012 | $208K |
| Provision for Loan and Lease Losses | RIAD4230 | $150K |
| Provisions for Credit Losses on Financial Assets | RIADJJ33 | $150K |
| Interest and Dividend Income on Tax-exempt Securities Issued by States and Political Subdivisions in the U.S. | RIAD4507 | $92K |
| Service Charges on Deposit Accounts in Domestic Offices | RIAD4080 | $75K |
| Net Servicing Fees | RIADB492 | $45K |
| Realized Gains (Losses) on Available-for-sale Debt Securities | RIAD3196 | -$34K |
| Net Gains (Losses) on Sales of Loans | RIAD5416 | $23K |
| 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 | $21K |
| Number of Full Time Equivalent Employees on Payroll at End of Current Period | RIAD4150 | 79 |
Schedule RC-B: Securities (24 items)
About Schedule RC-B · FNBC Bank and Trust securities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Mortgage-backed Securities (MBS): Other Residential MBS (Include Cmos, REMICS, and Stripped MBS): Issued or Guaranteed by FNMA, FHLMC, or GNMA - Available-for-sale Amortized Cost | RCONG314 | $11.7M |
| 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 | $11.5M |
| Total Amortized Cost of Available-for-sale Securities | RCON1772 | $211.9M |
| Amortized Cost of Available-for-sale U.S. Treasury Securities | RCON1286 | $93.6M |
| Fair Value of Available-for-sale U.S. Treasury Securities | RCON1287 | $91.0M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONA551 | $67.7M |
| Mortgage backed securities (MBS), Issued or guarnteed by FNMA, FHLMC, or GNMA, Available for sale, Amortized Cost | RCONHT56 | $51.2M |
| Mortgage backed securities (MBS), Issued or guarnteed by FNMA, FHLMC, or GNMA, Available for sale, Fair Value | RCONHT57 | $48.3M |
| Fixed Rate and Floating Rate Debt Securities with a Remaining Maturity of One Year or Less | RCONA248 | $38.3M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Years Through Five Years | RCONA552 | $33.7M |
| US government agency obligations (exclude mortgage-backed securities), Available for sale, Amortized Cost | RCONHT52 | $31.5M |
| US government agency obligations (exclude mortgage-backed securities), Available for sale, Fair Value | RCONHT53 | $30.8M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONA550 | $28.3M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over 15 Years | RCONA560 | $27.4M |
| Pledged Securities | RCON0416 | $27.1M |
| Amortized Cost of Available-for-sale Securities Issued by States and Political Subdivisions in the U.S. | RCON8498 | $23.8M |
| Fair Value of Available-for-sale Securities Issued by States and Political Subdivisions in the U.S. | RCON8499 | $22.7M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Five Years Through 15 Years | RCONA559 | $20.2M |
| 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 |
| OTHER MORTGAGE-BACKED SECURITIES (INCLUDE CMOs, REMICs, AND STRIPPED MBS) WITH AN EXPECTED AVERAGE LIFE OF THREE YEARS OR LESS | RCONA561 | $6.2M |
| OTHER MORTGAGE-BACKED SECURITIES (INCLUDE CMOs, REMICs, AND STRIPPED MBS) WITH AN EXPECTED AVERAGE LIFE OF OVER THREE YEARS | RCONA562 | $5.3M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Five Years Through Fifteen Years | RCONA553 | $4.8M |
| 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 Three Years Through Five Years | RCONA558 | $483K |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONA557 | $206K |
Schedule RC-C, Part I: Loans and Leases (28 items)
About Schedule RC-C, Part I · FNBC Bank and Trust loans and leases trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Loans and Leases, Net of Unearned Income | RCON2122 | $328.3M |
| Real Estate Loans Secured by Multi-family (5 or More) Residential Properties | RCON1460 | $116.8M |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by First Liens | RCON5367 | $103.9M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Years Through Five Years | RCONA573 | $88.0M |
| Pledged Loans and Leases | RCONG378 | $74.8M |
| 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 One Year Through Three Years | RCONA572 | $71.2M |
| 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 | $56.1M |
| Loans Secured by Other Nonfarm Nonresidential Properties. | RCONF161 | $49.7M |
| Fixed Rate and Floating Rate Loans and Leases with a Remaining Maturity of One Year or Less | RCONA247 | $32.8M |
| Loans Secured by Owner Occupied Nonfarm Nonresidential Properties | RCONF160 | $30.0M |
| 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 Three Months or Less | RCONA570 | $26.2M |
| 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 Five Years Through 15 Years | RCONA568 | $21.4M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Months Through 12 Months | RCONA571 | $20.5M |
| 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 | $15.1M |
| Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit | RCON1797 | $13.9M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over One Year Through Three Years | RCONA566 | $9.3M |
| 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 | $9.2M |
| 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 | $7.0M |
| Commercial and Industrial Loans | RCON1766 | $5.8M |
| Loans Secured by 1-4 Family Residential Construction | RCONF158 | $5.2M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over 15 Years | RCONA575 | $3.3M |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by Junior Liens | RCON5368 | $1.5M |
| 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 | $981K |
| Other Consumer Loans to Individuals for Household, Family, and Other Personal Expenditures (Includes Single Payment, Installment, and All Student Loans) | RCONK207 | $729K |
| Other Loans | RCONJ464 | $435K |
| Loans Secured by Other Construction Loans and All Land Development and Other Land Loans | RCONF159 | $208K |
| Automobile Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper) | RCONK137 | $124K |
| Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper): Other Revolving Credit Plans | RCONB539 | $40K |
Schedule RC-C, Part II: Loans to Small Businesses and Small Farms (12 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 | $21.9M |
| 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 | $4.0M |
| 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 | $3.4M |
| 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 | $1.8M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5571 | $387K |
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5565 | $79K |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5568 | 54 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5566 | 27 |
| 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 | 22 |
| 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 | 19 |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5570 | 13 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5564 | 2 |
Schedule RC-E: Deposit Liabilities (26 items)
About Schedule RC-E · FNBC Bank and Trust deposit liabilities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Transaction Accounts | RCON2215 | $290.1M |
| Total Transaction Accounts - Deposits of Individuals, Partnerships, and Corporation | RCONB549 | $276.5M |
| Total Nontransaction Accounts (Including Mmda's) | RCON2385 | $235.0M |
| Total Nontransaction Accounts Deposits of Individuals, Partnerships, and Corporations | RCONB550 | $231.1M |
| Total Demand Deposits (See Note Below) | RCON2210 | $168.8M |
| Money Market Deposit Accounts (Mmda's) | RCON6810 | $99.8M |
| Total reciprocal deposits | RCONJH83 | $94.5M |
| Sweep deposits: Fully insured, non-affiliate sweep deposits | RCONMT91 | $63.7M |
| Total sweep deposits that are not brokered deposits | RCONMT95 | $63.7M |
| Other Nontransaction Savings Deposits (Excludes Mmda's) | RCON0352 | $59.0M |
| Time Deposits of 250000 or Less with a Remaining Maturity of One Year or Less | RCONHK11 | $58.8M |
| Components of Total Nontransaction Accounts: Total Time Deposits of $100,000 Through $250,000 | RCONJ473 | $43.9M |
| 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 Three Months or Less | RCONHK07 | $38.7M |
| 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 | $20.1M |
| Components of Total Nontransaction Accounts: Total Time Deposits of More Than $250,000 | RCONJ474 | $16.7M |
| Time Deposits of More Than $250,000 with a Remaining Maturity of One or Year Less | RCONK222 | $16.4M |
| Total Time Deposits of Less Than $100,000 | RCON6648 | $15.7M |
| Total Transaction Accounts - Deposits of States and Political Subdivisions in the U.S. | RCON2203 | $13.6M |
| 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 Three Months or Less | RCONHK12 | $8.3M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONHK13 | $8.1M |
| All Time and Savings Deposits Held in IRA and Keogh Plan Accounts | RCON6835 | $6.6M |
| Total Nontransaction Accounts of States and Political Subdivisions in the U.S. | RCON2530 | $4.0M |
| Individual Retirement Accounts (Iras) and Keogh Plan Accounts Included in Memorandum Item 2.C, 'Total Time Deposits of $100,000 or More,' Above | RCONF233 | $1.5M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONHK09 | $554K |
| 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 | $300K |
| 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 | $156K |
Schedule RC-F: Other Assets (6 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Net Deferred Tax Assets | RCON2148 | $2.9M |
| Accrued Interest Receivable | RCONB556 | $2.3M |
| Historical Cost of All Other Available-for-sale Equity Securities | RCON1752 | $1.1M |
| Other Assets | RCON2168 | $926K |
| Prepaid Expenses | RCON2166 | $601K |
| First Itemized Amount That Exceeds 25% of All Other Assets (2168) | RCON3549 | $235K |
Schedule RC-G: Other Liabilities (5 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Other Expenses Accrued and Unpaid | RCON3646 | $1.5M |
| All Other Liabilities | RCON2938 | $527K |
| First Itemized Amount That Exceeds 25% of All Other Liabilities (2938) or (2942) | RCON3552 | $338K |
| Interest Accrued and Unpaid on Deposits (in Domestic Offices) | RCON3645 | $266K |
| Allowance for Credit Losses on Off-balance Sheet Credit Exposures | RCONB557 | $150K |
Schedule RC-K: Quarterly Averages (14 items)
About Schedule RC-K · FNBC Bank and Trust quarterly averages trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Quarterly Average of Total Assets | RCON3368 | $584.3M |
| Quarterly Average of Total Loans | RCON3360 | $323.5M |
| Quarterly Average of All Other Loans Secured by Real Estate | RCON3466 | $198.5M |
| Nontransaction Accounts in Domestic Offices: Savings Deposits | RCONB563 | $160.2M |
| U.S. Treasury Securities and U.S. Government Agency Obligations (Excluding Mortgage-backed Securities) | RCONB558 | $130.5M |
| Quarterly Average of Loans Secured by 1-4 Family Residential Properties | RCON3465 | $118.5M |
| Transaction Accounts (in Domestic Offices) (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) - Quarterly Average | RCON3485 | $112.8M |
| Mortgage-backed Securities | RCONB559 | $61.9M |
| Liabilities, Nontransaction Accounts, Time Deposits of 250000 or Less | RCONHK16 | $60.4M |
| All Other Securities | RCONB560 | $24.0M |
| Quarterly Average of Interest-bearing Balances Due from Depository Institutions | RCON3381 | $19.9M |
| Liabilities, Nontransaction Accounts, Time Deposits of More Than 250000 | RCONHK17 | $16.4M |
| Quarterly Average of Commercial and Industrial Loans | RCON3387 | $5.9M |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Other | RCONB562 | $657K |
Schedule RC-L: Derivatives and Off-Balance-Sheet Items (6 items)
About Schedule RC-L · FNBC Bank and Trust derivatives and off-balance-sheet items trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Unused Commitments - Revolving, Open-end Lines Secured by 1-4 Family Residential Properties | RCON3814 | $31.2M |
| Other Unused Commitments: Commercial and Industrial Loans | RCONJ457 | $18.0M |
| 1-4 Family Residential Construction Loan Commitments | RCONF164 | $3.1M |
| Performance Standby Letters of Credit | RCON3821 | $974K |
| Other Unused Commitments: All Other Unused Commitments | RCONJ459 | $681K |
| Financial Standby Letters of Credit and Foreign Office Guarantees | RCON3819 | $169K |
Schedule RC-M: Memoranda (4 items)
About Schedule RC-M · FNBC Bank and Trust 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 | $3.9M |
| Estimated Fair Value of Mortgage Servicing Assets | RCONA590 | $497K |
| Mortgage Servicing Assets | RCON3164 | $497K |
| Number of Executive Officers, Directors, and Principal Shareholders to Whom the Amount of All Extensions of Credit by the Reporting Bank (Including Extensions of Credit to Related Interests) Equals or Exceeds the Lesser of $500,000 or 5 Percent of Total Capital as Defined for This Purpose in Agency Regulations | RCON6165 | 2 |
Schedule RC-N: Past Due and Nonaccrual Loans, Leases, and Other Assets (3 items)
About Schedule RC-N · FNBC Bank and Trust past due and nonaccrual loans, leases, and other assets trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Additions to Nonaccrual Assets | RCONC410 | $124K |
| 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 | $124K |
| Total Loans and Lease Finance Receivables: Nonaccrual | RCON1403 | $124K |
Schedule RC-O: Other Data for Deposit Insurance Assessments (12 items)
About Schedule RC-O · FNBC Bank and Trust other data for deposit insurance assessments trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average Consolidated Total Assets for the Calendar Quarter | RCONK652 | $584.3M |
| Total Deposit Liabilities as Defined in Section 3(1) of the Federal Deposit Insurance Act Before Exclusions | RCONF236 | $525.4M |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of $250,000 or Less | RCONF049 | $320.3M |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF051 | $198.5M |
| Average Tangible Equity for the Calendar Quarter | RCONK654 | $55.4M |
| Amount of Retirement Deposits Accounts of $250,000 or Less | RCONF045 | $4.3M |
| Amount of Retirement Deposit Accounts of More Than $250,000 | RCONF047 | $2.2M |
| Number of Deposit Accounts (Excluding Retirement Accounts)of $250,000 or Less | RCONF050 | 11,455 |
| Number of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF052 | 309 |
| Number of Retirement Deposit Accounts of $250,000 or Less | RCONF046 | 205 |
| Number of Retirement Deposit Accounts of More Than $250,000 | RCONF048 | 4 |
| Averaging Method Used | RCONK653 | 1 |
Schedule RC-R: Regulatory Capital (1 item)
About Schedule RC-R · FNBC Bank and Trust 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 | $331.5M |
Schedule RC-R, Part I: Regulatory Capital Components and Ratios (23 items)
About Schedule RC-R, Part I · FNBC Bank and Trust regulatory capital components and ratios trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average total consolidated assets | RCOAKW03 | $584.3M |
| Average Total Assets (Net of Deductions) | RCOAA224 | $583.0M |
| Risk-weighted Assets (Net of Allowances and Other Deductions) | RCOAA223 | $331.5M |
| Total Qualifying Capital Allowable Under the Risk-based Capital Guidelines | RCOA3792 | $62.4M |
| Common Equity Tier 1 Capital | RCOAP859 | $58.4M |
| Subtotal of Common Equity Tier 1 Capital: Adjustments and Deductions | RCOAP852 | $58.4M |
| Tier 1 Capital Allowable Under the Risk-based Capital Guidelines | RCOA8274 | $58.4M |
| Common Equity Tier 1 Capital Before Adjustments and Deductions | RCOAP840 | $54.0M |
| Retained Earnings | RCOAKW00 | $37.0M |
| Common Equity Tier 1 Capital: Common Stock Plus Related Surplus, Net of Treasury Stock and Unearned Employee Stock Ownership Plan (ESOP) Shares | RCOAP742 | $22.8M |
| Accumulated Other Comprehensive Income | RCOAB530 | -$5.8M |
| 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 | -$5.8M |
| General Loan and Lease Valuation Allowances | RCOA5310 | $3.9M |
| Tier 2 (Supplementary) Capital | RCOA5311 | $3.9M |
| Tier 2 Capital Before Deductions | RCOAP870 | $3.9M |
| Goodwill Net of Associated Deferred Tax Liabilities (Dtls) | RCOAP841 | $1.3M |
| 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 | $1.3M |
| A. AOCI Opt-out Election (Enter '1' for Yes, Enter '0' for No.) | RCOAP838 | 1 |
| Total Risk-based Capital Ratio | RCOA7205 | 0.1881 |
| Common Equity Tier 1 Capital Ratio | RCOAP793 | 0.1763 |
| Tier 1 Risk-based Capital Ratio | RCOA7206 | 0.1763 |
| Institution-specific Capital Buffer Necessary to Avoid Limitations on Distributions and Discretionary Bonus Payments: Capital Conservation Buffer | RCOAH311 | 0.1081 |
| Tier 1 Leverage Capital Ratio | RCOA7204 | 0.1002 |
Schedule RC-R, Part II: Risk-Weighted Assets (52 items)
About Schedule RC-R, Part II · FNBC Bank and Trust risk-weighted assets trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Risk-weighted Assets for Purposes of Calculating the Allowance for Loan and Lease Losses 1.25 Percent Threshold | RCONS580 | $331.5M |
| Total Risk-weighted Assets | RCONG641 | $331.5M |
| Risk-weighted Assets by Risk-weighted Category - 100 Pct Risk Weight Category | RCONG637 | $251.2M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 100 Pct Risk Weight Category | RCONG633 | $251.2M |
| Total Balance Sheet Assets - 100 Pct Risk Weight Category | RCOND990 | $237.4M |
| Loans and Leases, Net of Unearned Income, All Other Exposures - 100 Pct Risk Weight Category | RCONS462 | $220.7M |
| Total Loans and Leases, Net of Unearned Income, All Other Exposures | RCONS457 | $220.7M |
| Available-for-sale debt securities and equity securities with readily determinable fair values not held for trading purposes, Total Fair Value | RCONJA21 | $204.7M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 20 Pct Risk Weight Category | RCONG631 | $122.9M |
| Total Balance Sheet Assets - 20 Pct Risk Weight Category | RCOND988 | $122.9M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 0 Pct Risk Weight Category | RCONG630 | $122.2M |
| Total Balance Sheet Assets - 0 Pct Risk Weight Category | RCOND987 | $122.2M |
| Available-for-sale Securities - 20 Pct Risk Weight Category | RCOND968 | $113.1M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 50 Pct Risk Weight Category | RCONG632 | $108.5M |
| Total Balance Sheet Assets - 50 Pct Risk Weight Category | RCOND989 | $108.5M |
| Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures - 50 Pct Risk Weight Category | RCONS442 | $107.5M |
| Total Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures | RCONS439 | $107.5M |
| Available-for-sale Securities - 0 Pct Risk Weight Category | RCOND967 | $97.8M |
| Risk-weighted Assets by Risk-weighted Category - 50 Pct Risk Weight Category | RCONG636 | $54.2M |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, Face, Notional or Other Amount | RCONS525 | $44.4M |
| Total Cash and Balances Due from Depository Institutions | RCOND957 | $33.2M |
| Risk-weighted Assets by Risk-weighted Category - 20 Pct Risk Weight Category | RCONG635 | $24.6M |
| Cash and Balances Due from Depository Institutions - 0 Pct Risk Weight Category | RCOND958 | $24.5M |
| Total All Other Assets | RCOND981 | $19.2M |
| All Other Assets - 100 Pct Risk Weight Category | RCOND985 | $16.3M |
| Total Balance Sheet Assets - Adjustments to Total Reported in Column a | RCONS500 | -$10.1M |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, 100% | RCONS530 | $8.9M |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, Credit Equivalent Amount | RCONS526 | $8.9M |
| Cash and Balances Due from Depository Institutions - 20 Pct Risk Weight Category | RCOND959 | $8.7M |
| Unused Commitments, Original Maturity Exceeding One Year - Face, Notional, or Other Amount | RCONG624 | $8.5M |
| Available-for-sale Securities - Adjustment to Totals Reported in Column a | RCONS402 | -$7.6M |
| Unused Commitments, Original Maturity Exceeding One Year - 100 Pct Risk Weight Category | RCONG629 | $4.3M |
| Unused Commitments, Original Maturity Exceeding One Year - Credit Equivalent Amount | RCONG625 | $4.3M |
| All Other Assets - Adjustments to Totals Reported in Column a | RCONS469 | $1.3M |
| Risk-weighted Assets by Risk-weighted Category - 250 Pct Risk Weight Category | RCONS573 | $1.2M |
| All Other Assets - 20 Pct Risk Weight Category | RCOND983 | $1.1M |
| Performance Standby Letters of Credit and Transaction-related Contingent Items - Face, Notional, or Other Amount | RCOND997 | $974K |
| Available-for-sale Securities - 50 Pct Risk Weight Category | RCOND969 | $966K |
| All Other Assets - 250 Pct Risk Weight Category | RCONH293 | $497K |
| The total of all components in the 250% balance sheet asset category on Call Report Schedule RC-R is multiplied by 250% | RCONS504 | $497K |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 250 Pct Risk Weight Category | RCONS562 | $497K |
| Performance Standby Letters of Credit and Transaction-related Contingent Items - 100 Pct Risk Weight Category | RCONG605 | $487K |
| Performance Standby Letters of Credit and Transaction-related Contingent Items - Credit Equivalent Amount | RCOND998 | $487K |
| Available-for-sale Securities - 100 Pct Risk Weight Category | RCOND970 | $451K |
| Risk-weighted Assets by Risk-weighted Category - 150 Pct Risk Weight Category | RCONS572 | $186K |
| Financial Standby Letters of Credit - 100 Pct Risk Weight Category | RCOND996 | $169K |
| Financial Standby Letters of Credit - Credit Equivalent Amount | RCOND992 | $169K |
| Financial Standby Letters of Credit - Face, Notional, or Other Amount | RCOND991 | $169K |
| Loans and Leases, Net of Unearned Income, Exposures Past Due 90 Days or More or on Nonaccrual - 150 Pct Risk Weight Category | RCONS455 | $124K |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 150 Pct Risk Weight Category | RCONS561 | $124K |
| Total Balance Sheet Assets - 150 Pct Risk Weight Category | RCONS503 | $124K |
| Total Loans and Leases, Net of Unearned Income, Exposures Past Due 90 Days or More or on Nonaccrual | RCONS449 | $124K |
Schedule RC-T: Fiduciary and Related Services (33 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Custody and Safekeeping Accounts - Non-managed Assets | RCONB898 | $1.17B |
| Total Fiduciary Accounts - Managed Assets | RCONB894 | $585.5M |
| Personal Trust and Agency Accounts - Managed Assets | RCONB868 | $349.9M |
| Investment Management Agency Accounts - Managed Assets | RCONB886 | $132.4M |
| Fiduciary and Related Assets:individual Retirement Accounts, Health Savings Accounts, and Other Similar Accounts - Managed Assets | RCONJ259 | $69.8M |
| Other Retirement Accounts - Managed Assets | RCONB880 | $69.8M |
| Total Fiduciary Accounts - Non-managed Assets | RCONB895 | $28.2M |
| Employee Benefit-defined Contribution - Non-managed Assets | RCONB873 | $18.2M |
| Fiduciary and Related Assets:foundation and Endowment Trust and Agency Accounts - Managed Assets | RCONJ255 | $17.6M |
| Employee Benefit-defined Contribution - Managed Assets | RCONB872 | $16.0M |
| Fiduciary and Related Assets:individual Retirement Accounts, Health Savings Accounts, and Other Similar Accounts - Non-managed Asset | RCONJ260 | $7.0M |
| Other Retirement Accounts - Non-managed Assets | RCONB881 | $7.0M |
| Personal Trust and Agency Accounts - Non-managed | RCONB869 | $2.9M |
| Income from Fiduciary Activities | RIAD4070 | $2.5M |
| Personal Trust and Agency Accounts | RIADB904 | $1.4M |
| Fiduciary and Related Services Income-investment Management and Investment Advisory Agency Accounts | RIADJ315 | $535K |
| Other Retirement Accounts | RIADB907 | $309K |
| Custody and Safekeeping Accounts | RIADB909 | $187K |
| Fiduciary and Related Services Income-foundation and Endowment Trust and Agency Accounts | RIADJ316 | $70K |
| Employee Benefit-defined Contribution | RIADB905 | $9K |
| Total Fiduciary Accounts - Number of Managed Accounts | RCONB896 | 477 |
| Personal Trust and Agency Accounts - Number of Managed Accounts | RCONB870 | 204 |
| Fiduciary and Related Assets:individual Retirement Accounts, Health Savings Accounts, and Other Similar Accounts - Number of Managed Accounts | RCONJ261 | 141 |
| Other Retirement Accounts - Number of Managed Accounts | RCONB882 | 141 |
| Investment Management Agency Accounts - Number of Managed Accounts | RCONB888 | 121 |
| Custody and Safekeeping Accounts - Number of Non-managed Accounts | RCONB899 | 60 |
| Total Fiduciary Accounts - Non-managed Accounts | RCONB897 | 27 |
| Fiduciary and Related Assets:individual Retirement Accounts, Health Savings Accounts, and Other Similar Accounts - Number of Non-managed Accounts | RCONJ262 | 20 |
| Other Retirement Accounts - Number of Non-managed Accounts | RCONB883 | 20 |
| Fiduciary and Related Assets:foundation and Endowment Trust and Agency Accounts - Number of Managed Accounts | RCONJ257 | 8 |
| Employee Benefit-defined Contribution - Number of Non-managed Accounts | RCONB875 | 5 |
| Employee Benefit-defined Contribution - Number of Managed Accounts | RCONB874 | 3 |
| Personal Trust and Agency Accounts - Number of Non-managed Accounts | RCONB871 | 2 |
Schedule RI-A: Changes in Bank Equity Capital (5 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Balance End of Previous Calendar Year as Restated | RIADB508 | $55.0M |
| Equity Capital, Most Recently Reported for the End of Previous Calendar Year (I.e., After Adjustments from Amended Reports of Income) | RIAD3217 | $55.0M |
| Total Equity Capital | RIAD3210 | $54.0M |
| Cash Dividends Declared on Common Stock | RIAD4460 | $3.5M |
| Other Comprehensive Income | RIADB511 | -$895K |
Schedule RI-B, Part I: Charge-offs and Recoveries on Loans and Leases (2 items)
About Schedule RI-B, Part I · FNBC Bank and Trust charge-offs and recoveries on loans and leases trends
Schedule RI-B, Part II: Changes in Allowances for Credit Losses (2 items)
About Schedule RI-B, Part II · FNBC Bank and Trust changes in allowances for credit losses trends
Schedule SU: Supplemental Information (1 item)
| Line item | Code | Q2 2026 |
|---|---|---|
| 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 | $40.3M |
FNBC Bank and Trust 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 FNBC Bank and Trust call report?
The FNBC Bank and Trust 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 FNBC Bank and Trust file?
FNBC Bank and Trust 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 FNBC Bank and Trust call report number?
A call report has no number of its own. It is filed and looked up by the bank's identifiers: FNBC Bank and Trust has Federal Reserve RSSD ID 608844 and FDIC certificate number 11306. Either one finds its filings on the FFIEC Central Data Repository.
How often does FNBC Bank and Trust 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.
FNBC Bank and Trust 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 11306) · FFIEC NIC profile (RSSD 608844)