Bank call report · Lehi, UT
Happen Bank, N.A. Call Report
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Happen Bank, N.A. filed its latest call report for the quarter ended June 30, 2026 on the FFIEC 041. Below are its 450 reported line items, schedule by schedule (1,128 items filed as zero are left out). The official PDF is on the FFIEC Central Data Repository.
| Call report form | FFIEC 041 |
|---|---|
| Latest quarter filed | Q2 2026 (June 30, 2026) |
| Federal Reserve RSSD ID | 264772 |
| FDIC certificate number | 32551 |
| Total assets | $12.48B |
Official Q2 2026 call report PDF (FFIEC) →
Happen Bank, N.A. 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 041.
Schedule RC: Balance Sheet (23 items)
About Schedule RC · Happen Bank, N.A. balance sheet trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Assets | RCON2170 | $12.48B |
| Total Liabilities, Limited-life Preferred Stock, and Equity Capital | RCON3300 | $12.48B |
| Total Liabilities and Minority Interest | RCON2948 | $11.05B |
| Total Deposits | RCON2200 | $10.85B |
| Total Interest-bearing Deposits in Foreign and Domestic Offices | RCON6636 | $10.34B |
| Loans and Leases, Net of Unearned Income - Totals | RCONB528 | $5.27B |
| Loans and Leases, Net of Unearned Income and Allowance | RCONB529 | $5.08B |
| Available-for-sale debt securities (from Schedule RC-B, column D) | RCON1773 | $4.04B |
| Loans and Leases Held for Sale | RCON5369 | $1.77B |
| Total Equity Capital | RCON3210 | $1.43B |
| Total Equity Capital Including Noncontrolling Minority Interests in Consolidated Subsidiaries | RCONG105 | $1.43B |
| Surplus | RCON3839 | $988.5M |
| Interest-bearing Balances | RCON0071 | $895.0M |
| Deposits: Noninterest-bearing | RCON6631 | $518.1M |
| Undivided Profits and Capital Reserves | RCON3632 | $479.3M |
| Other Assets | RCON2160 | $435.6M |
| Other Liabilities, Total | RCON2930 | $193.7M |
| Allowance for Loan and Lease Losses | RCON3123 | $192.9M |
| Intangible Assets | RCON2143 | $148.4M |
| Premises and Fixed Assets (Including Capitalized Leases) | RCON2145 | $105.8M |
| Goodwill | RCON3163 | $75.7M |
| Accumulated Other Comprehensive Income | RCONB530 | -$39.0M |
| Noninterest-bearing Balances and Currency and Coin | RCON0081 | $4.8M |
Schedule RI: Income Statement (45 items)
About Schedule RI · Happen Bank, N.A. income statement trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Interest Income | RIAD4107 | $529.7M |
| Interest and Fee Income on Loans, Total | RIAD4010 | $405.2M |
| 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 | $383.0M |
| Total Noninterest Expense | RIAD4093 | $377.9M |
| Net Interest Income | RIAD4074 | $354.8M |
| Other Noninterest Expense | RIAD4092 | $244.1M |
| Total Interest Expense | RIAD4073 | $174.9M |
| Total Noninterest Income | RIAD4079 | $153.5M |
| Income (Loss) Before Applicable Income Taxes and Discontinued Operations | RIAD4301 | $140.9M |
| 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 | $140.9M |
| Salaries and Employee Benefits | RIAD4135 | $122.1M |
| Savings Deposits (Including Mmdas) | RIAD0093 | $120.1M |
| Income (Loss) Before Discontinued Operations | RIAD4300 | $108.8M |
| Net Income (Loss) | RIAD4340 | $108.8M |
| Net Income (Loss) Attributable to Bank and Noncontrolling Minority Interests | RIADG104 | $108.8M |
| Other Noninterest Income | RIADB497 | $104.2M |
| Interest on Other Securities | RIAD4060 | $102.5M |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of 250000 or Less | RIADHK03 | $44.7M |
| Applicable Income Taxes | RIAD4302 | $32.1M |
| Net Securitization Income | RIADB493 | $26.5M |
| Interest and Fee Income on All Other Loans Secured by Real Estate | RIAD4436 | $14.8M |
| Interest Income on Balances Due from Depository Institutions | RIAD4115 | $13.1M |
| Net Gains (Losses) on Sales of Loans | RIAD5416 | $11.8M |
| Net Servicing Fees | RIADB492 | $11.0M |
| Provisions for Credit Losses on Financial Assets | RIADJJ33 | -$10.5M |
| Expenses of Premises and Fixed Assets | RIAD4217 | $10.4M |
| Provision for Loan and Lease Losses | RIAD4230 | -$10.0M |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of More Than 250000 | RIADHK04 | $7.9M |
| Net Gains (Losses) Recognized in Earnings on Assets That Are Reported at Fair Value Option | RIADF551 | -$6.0M |
| Interest and Dividend Income on Securities: Mortgage-backed Securities | RIADB489 | $5.2M |
| Interest and Fee Income on Commercial and Industrial Loans | RIAD4012 | $4.5M |
| Interest and Fee Income on Loans Secured by 1-4 Family Residential Properties | RIAD4435 | $2.9M |
| Interest on Transaction Accounts (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) | RIAD4508 | $2.2M |
| Interest and Dividend Income on Securities: U.S. Treasury Securities and U.S. Government Agency Obligations (Excluding Mortgage-backed Securities) | RIADB488 | $1.5M |
| Amortization Expense and Impairment Losses Intangible Assets | RIADC232 | $1.4M |
| Other Interest Income | RIAD4518 | $1.1M |
| Income from Lease Financing Receivables | RIAD4065 | $1.0M |
| Credit Losses on Off-balance Sheet Derivatives | RIADA251 | -$289K |
| Interest Expense Incurred to Carry Tax-exempt Securities, Loans, and Leases Acquired After August 7, 1986, That Is Not Deductible for Federal Income Tax Purposes | RIAD4513 | $112K |
| Estimated Income on Tax-exempt Loans and Leases to States and Political Subdivisions in the U.S. | RIAD4313 | $102K |
| Service Charges on Deposit Accounts in Domestic Offices | RIAD4080 | $34K |
| Service Charges on Deposits in Domestic Office All Other | RIADH035 | $34K |
| Interest and Dividend Income on Tax-exempt Securities Issued by States and Political Subdivisions in the U.S. | RIAD4507 | $32K |
| Interest on Trading Liabilities and Other Borrowed Money | RIAD4185 | $4K |
| Number of Full Time Equivalent Employees on Payroll at End of Current Period | RIAD4150 | 1,093 |
Schedule RC-A: Cash and Balances Due from Depository Institutions (3 items)
Schedule RC-B: Securities (42 items)
About Schedule RC-B · Happen Bank, N.A. securities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Mortgage-backed Securities (MBS): Residential Pass-through Securities: Guaranteed by GNMA: Available-for-sale Amortized Cost | RCONG302 | $7.2M |
| Mortgage-backed Securities (MBS): Residential Pass-through Securities: Guaranteed by GNMA: Available-for-sale Fair Value | RCONG303 | $6.7M |
| Mortgage-backed Securities (MBS): Residential Pass-through Securities: Issued by FNMA and FHLMC: Available-for-sale Amortized Cost | RCONG306 | $270.0M |
| Mortgage-backed Securities (MBS): Residential Pass-through Securities: Issued by FNMA and FHLMC: Available-for-sale Fair Value | RCONG307 | $236.7M |
| Mortgage-backed Securities (MBS): Other Residential MBS (Include Cmos, REMICS, and Stripped MBS): Issued or Guaranteed by FNMA, FHLMC, or GNMA - Available-for-sale Amortized Cost | RCONG314 | $7.1M |
| Mortgage-backed Securities (MBS): Other Residential MBS (Include Cmos, REMICS, and Stripped MBS): Issued or Guaranteed by FNMA, FHLMC, or GNMA - Available-for-sale Fair Value | RCONG315 | $6.6M |
| Structured Financial Products by Underlying Collateral or Reference Assets: Other Collateral or Reference Assets - Available-for-sale Amortized Cost | RCONG374 | $1.0M |
| Structured Financial Products by Underlying Collateral or Reference Assets: Other Collateral or Reference Assets - Available-for-sale Fair Value | RCONG375 | $947K |
| Total Amortized Cost of Available-for-sale Securities | RCON1772 | $4.09B |
| Amortized Cost of Available-for-sale Asset-backed Securities: Other Consumer Loans | RCONB852 | $3.66B |
| Asset-backed Securities: Available-for-sale Amortized Cost | RCONC989 | $3.66B |
| Fair Value of Available-for-sale Asset-backed Securities: Other Consumer Loans | RCONB853 | $3.66B |
| Total (Asset-backed Securities) Fair Value - Available-for-sale | RCONC027 | $3.66B |
| 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 | $2.16B |
| 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 | $1.50B |
| Pledged Securities | RCON0416 | $375.6M |
| 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 | $229.9M |
| US government agency obligations (exclude mortgage-backed securities), Available for sale, Amortized Cost | RCONHT52 | $92.9M |
| US government agency obligations (exclude mortgage-backed securities), Available for sale, Fair Value | RCONHT53 | $81.3M |
| 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 | $63.2M |
| Mortgage-backed Securities (Mbs):commercial MBS: Other Commercial MBS :Issued or Guaranteed by Fnma,fhlmc or GNMA: Available-for-sale Amortized Cost | RCONK152 | $49.5M |
| Mortgage-backed Securities (Mbs):commercial MBS: Other Commercial MBS :Issued or Guaranteed by Fnma,fhlmc or GNMA: Available-for-sale Fair Value | RCONK153 | $44.8M |
| OTHER MORTGAGE-BACKED SECURITIES (INCLUDE CMOs, REMICs, AND STRIPPED MBS) WITH AN EXPECTED AVERAGE LIFE OF OVER THREE YEARS | RCONA562 | $38.1M |
| OTHER MORTGAGE-BACKED SECURITIES (INCLUDE CMOs, REMICs, AND STRIPPED MBS) WITH AN EXPECTED AVERAGE LIFE OF THREE YEARS OR LESS | RCONA561 | $13.3M |
| 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 Five Years Through 15 Years | RCONA559 | $12.8M |
| 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 Three Months of Less | RCONA549 | $12.0M |
| 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 of Over Ffteen Years | RCONA554 | $7.7M |
| Amortized Cost of Available-for-sale Securities Issued by States and Political Subdivisions in the U.S. | RCON8498 | $3.2M |
| Fixed Rate and Floating Rate Debt Securities with a Remaining Maturity of One Year or Less | RCONA248 | $3.0M |
| 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 Three Months Through 12 Months | RCONA550 | $3.0M |
| Fair Value of Available-for-sale Securities Issued by States and Political Subdivisions in the U.S. | RCON8499 | $2.7M |
| 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 | $1.6M |
| 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 | $1.4M |
| Asset-backed securities and structured financial products, Structured financial products, Available for sale, Amortized Cost | RCONHT60 | $1.0M |
| 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 | $1.0M |
| Asset-backed securities and structured financial products, Structured financial products, Available for sale, Fair Value | RCONHT61 | $947K |
| Guaranteed by U.S. Government Agencies or Sponsored Agencies Included in Schedule Rc-b, Item 5.B - Available-for-sale, Fair Value | RCONPV01 | $947K |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONA555 | $470K |
| 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 | $161K |
| 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 | $96K |
| Unallocated portfolio layer fair value hedge basis adjustments | RCONMG95 | $68K |
| 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 | $1K |
Schedule RC-C, Part I: Loans and Leases (35 items)
About Schedule RC-C, Part I · Happen Bank, N.A. loans and leases trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Loans and Leases, Net of Unearned Income | RCON2122 | $7.04B |
| Other Consumer Loans to Individuals for Household, Family, and Other Personal Expenditures (Includes Single Payment, Installment, and All Student Loans) | RCONK207 | $5.79B |
| Pledged Loans and Leases | RCONG378 | $4.96B |
| 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 | $2.53B |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Years Through Five Years | RCONA573 | $2.28B |
| 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 | $1.49B |
| Automobile Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper) | RCONK137 | $407.4M |
| Fixed Rate and Floating Rate Loans and Leases with a Remaining Maturity of One Year or Less | RCONA247 | $312.1M |
| 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 | $299.1M |
| Loans Secured by Owner Occupied Nonfarm Nonresidential Properties | RCONF160 | $268.5M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Three Months or Less | RCONA570 | $233.0M |
| Commercial and Industrial Loans | RCON1766 | $164.8M |
| Commercial and Industrial Loans to U.S. Addressees | RCON1763 | $164.8M |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by First Liens | RCON5367 | $147.1M |
| Loans Secured by Other Nonfarm Nonresidential Properties. | RCONF161 | $143.8M |
| Adjustable Rate Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties | RCON5370 | $80.1M |
| Loans Secured by Other Construction Loans and All Land Development and Other Land Loans | RCONF159 | $64.6M |
| 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 15 Years | RCONA569 | $59.8M |
| Loan Modifications to Borrowers Experiencing Financial Difficulty - All Other Loans | RCONK165 | $33.8M |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Other Consumer Loans That Exceed 10 Percent of Total Loan Modifications to Borrowers Experiencing Financial Difficulty That Are in Compliance with Their Modified Terms | RCONK204 | $33.8M |
| Total Loan Modifications to Borrowers Experiencing Financial Difficulty That Are in Compliance with Their Modified Terms | RCONHK25 | $33.8M |
| All Other Lease Financing Receivables | RCONF163 | $33.2M |
| Lease Financing Receivables (Net of Unearned Income) | RCON2165 | $33.2M |
| 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 Years Through Five Years | RCONA567 | $27.9M |
| Real Estate Loans Secured by Multi-family (5 or More) Residential Properties | RCON1460 | $21.9M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Five Years Through 15 Years | RCONA568 | $18.5M |
| Unpaid Principal Balance of Commericial and Industrial Loans Measured at Fair Value: | RCONF597 | $17.4M |
| Commercial and Industrial Loans Measured at Fair Value (Domestic Only) | RCONF585 | $17.4M |
| 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 | $14.0M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over One Year Through Three Years | RCONA566 | $13.5M |
| 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 Three Months Through 12 Months | RCONA565 | $12.3M |
| 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 15 Years | RCONA575 | $5.0M |
| 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 | $710K |
| Unearned Income on Loans | RCON2123 | -$396K |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by Junior Liens | RCON5368 | $336K |
Schedule RC-C, Part II: Loans to Small Businesses and Small Farms (10 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| 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 | $41.9M |
| 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 | $24.9M |
| 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 | $870K |
| 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 | $732K |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5571 | $656K |
| 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 | 140 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5568 | 57 |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5570 | 19 |
| 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 | 16 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5566 | 9 |
Schedule RC-E: Deposit Liabilities (33 items)
About Schedule RC-E · Happen Bank, N.A. deposit liabilities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Nontransaction Accounts (Including Mmda's) | RCON2385 | $9.91B |
| Total Nontransaction Accounts Deposits of Individuals, Partnerships, and Corporations | RCONB550 | $9.89B |
| Other Nontransaction Savings Deposits (Excludes Mmda's) | RCON0352 | $6.96B |
| Components of Total Nontransaction Account Deposits of Individuals, Partnerships and Corporations: Total Deposits in Those Other Savings Deposit Account Deposit Products Intended Primarily for Individuals for Personal, Household, or Family Use | RCONP758 | $6.94B |
| Time Deposits of 250000 or Less with a Remaining Maturity of One Year or Less | RCONHK11 | $2.21B |
| Estimated Amount of Deposits Obtained Through the Use of Deposit Listing Services That Are Not Brokered Deposits | RCONK223 | $1.82B |
| Total Time Deposits of Less Than $100,000 | RCON6648 | $1.47B |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONHK08 | $1.44B |
| Total Demand Deposits (See Note Below) | RCON2210 | $946.4M |
| Total Transaction Accounts | RCON2215 | $946.4M |
| Total Transaction Accounts - Deposits of Individuals, Partnerships, and Corporation | RCONB549 | $942.7M |
| Components of Total Nontransaction Accounts: Total Time Deposits of $100,000 Through $250,000 | RCONJ473 | $881.4M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONHK07 | $767.0M |
| Selected Components of Total Deposits, Brokered Deposits of 250000 or Less (Fully Insured Brokered Deposits) | RCONHK05 | $751.5M |
| Total Brokered Deposits | RCON2365 | $751.5M |
| Selected Components of Total Deposits, Brokered Deposits of 250000 or Less with a Remaining Maturity of One Year or Less | RCONHK06 | $657.6M |
| Components of Total Nontransaction Accounts: Total Time Deposits of More Than $250,000 | RCONJ474 | $509.9M |
| Time Deposits of More Than $250,000 with a Remaining Maturity of One or Year Less | RCONK222 | $494.7M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONHK13 | $347.9M |
| 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 | $146.8M |
| 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 | $133.7M |
| Money Market Deposit Accounts (Mmda's) | RCON6810 | $87.3M |
| Components of Total Transaction Account Deposits of Individuals, Partnerships, and Coporations: Total Deposits in Those Interest-bearing Transaction Account Deposit Products Intended Primarily for Individuals for Personal, Household, or Family Use | RCONP754 | $83.0M |
| Components of Total Nontransaction Account Deposits of Individuals, Partnerships and Corporations: Deposits in All Other Mmdas of Individuals, Partnerships and Corporations | RCONP757 | $70.7M |
| Total reciprocal deposits | RCONJH83 | $53.0M |
| Components of Total Nontransaction Account Deposits of Individuals, Partnerships and Corporations: Deposits in All Other Other Savings Deposits Accounts of Individuals, Partnerships and Corporations | RCONP759 | $26.0M |
| Total Nontransaction Accounts of States and Political Subdivisions in the U.S. | RCON2530 | $16.2M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONHK14 | $13.6M |
| 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 | $7.0M |
| Total Nontransaction Accounts of Commercial Banks and Other Depository Institutions in the U.S. | RCONB552 | $2.5M |
| Total Transaction Accounts - Deposits of States and Political Subdivisions in the U.S. | RCON2203 | $2.5M |
| 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 | $1.7M |
| Total Transaction Accounts - Deposits of Commercial Banks and Other Depository Institutions in the U.S. | RCONB551 | $1.1M |
Schedule RC-F: Other Assets (6 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Other Assets | RCON2168 | $233.3M |
| Computer Software | RCONFT33 | $170.1M |
| Net Deferred Tax Assets | RCON2148 | $77.0M |
| Accrued Interest Receivable | RCONB556 | $46.9M |
| Historical Cost of All Other Available-for-sale Equity Securities | RCON1752 | $42.1M |
| Life Insurance Assets: General Account Life Insurance Assets | RCONK201 | $36.3M |
Schedule RC-G: Other Liabilities (5 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| All Other Liabilities | RCON2938 | $98.7M |
| Other Expenses Accrued and Unpaid | RCON3646 | $84.4M |
| First Itemized Amount That Exceeds 25% of All Other Liabilities (2938) or (2942) | RCON3552 | $68.0M |
| Interest Accrued and Unpaid on Deposits (in Domestic Offices) | RCON3645 | $10.0M |
| Allowance for Credit Losses on Off-balance Sheet Credit Exposures | RCONB557 | $633K |
Schedule RC-K: Quarterly Averages (16 items)
About Schedule RC-K · Happen Bank, N.A. quarterly averages trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Quarterly Average of Total Assets | RCON3368 | $12.14B |
| Quarterly Average of Total Loans | RCON3360 | $6.92B |
| Nontransaction Accounts in Domestic Offices: Savings Deposits | RCONB563 | $6.90B |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Other | RCONB562 | $6.12B |
| All Other Securities | RCONB560 | $3.49B |
| Liabilities, Nontransaction Accounts, Time Deposits of 250000 or Less | RCONHK16 | $2.26B |
| Quarterly Average of Interest-bearing Balances Due from Depository Institutions | RCON3381 | $783.5M |
| Quarterly Average of All Other Loans Secured by Real Estate | RCON3466 | $491.5M |
| Liabilities, Nontransaction Accounts, Time Deposits of More Than 250000 | RCONHK17 | $475.1M |
| Transaction Accounts (in Domestic Offices) (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) - Quarterly Average | RCON3485 | $389.9M |
| Mortgage-backed Securities | RCONB559 | $337.7M |
| Quarterly Average of Commercial and Industrial Loans | RCON3387 | $160.0M |
| Quarterly Average of Loans Secured by 1-4 Family Residential Properties | RCON3465 | $148.2M |
| U.S. Treasury Securities and U.S. Government Agency Obligations (Excluding Mortgage-backed Securities) | RCONB558 | $93.5M |
| Lease Financing Receivables (Net of Unearned Income) - Quarterly Average | RCON3484 | $34.5M |
| Quarterly Average of Other Borrowed Money | RCON3355 | $220K |
Schedule RC-L: Derivatives and Off-Balance-Sheet Items (13 items)
About Schedule RC-L · Happen Bank, N.A. derivatives and off-balance-sheet items trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Over the Counter Derivatives: Net Current Credit Exposure - Banks and Securities Firms | RCONG418 | $9.0M |
| Over the Counter Derivatives: Fair Value of Collateral: Cash U.S. Dollar - Banks and Securities Firms | RCONG423 | $10.0M |
| Over the Counter Derivatives: Fair Value of Collateral: Total Fair Value of Collateral (Sum of Items 16.B.(1) Through (7) - Banks and Securities Firms | RCONG458 | $10.0M |
| Total Gross Notional Amount of Interest Rate Derivative Contracts Held for Purposes Other Than Trading: Contracts Marked to Market | RCON8725 | $2.18B |
| Interest Rate Contracts - Notional Value of All Outstanding Interest Rate Swaps | RCON3450 | $1.41B |
| Interest Rate Swaps Where the Bank Has Agreed to Pay a Fixed Rate | RCONA589 | $1.37B |
| Purchased OTC Interest Rate Option Contracts | RCON8713 | $775.0M |
| Commercial Real Estate, Other Construction Loan and Land Development Loan Commitments | RCONF165 | $108.3M |
| Other Unused Commitments: Commercial and Industrial Loans | RCONJ457 | $13.8M |
| Gross Positive Fair Value of Interest Rate Derivative Contracts Held for Purposes Other Than Trading That Are Marked to Market | RCON8741 | $10.8M |
| Gross Negative Fair Value of Interest Rate Derivative Contracts Held for Purposes Other Than Trading That Are Marked to Market | RCON8745 | $1.8M |
| Other Unused Commitments: All Other Unused Commitments | RCONJ459 | $427K |
| Financial Standby Letters of Credit and Foreign Office Guarantees | RCON3819 | $82K |
Schedule RC-M: Memoranda (3 items)
Schedule RC-N: Past Due and Nonaccrual Loans, Leases, and Other Assets (29 items)
About Schedule RC-N · Happen Bank, N.A. past due and nonaccrual loans, leases, and other assets trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Additions to Nonaccrual Assets | RCONC410 | $115.5M |
| Total Loans and Lease Finance Receivables: Nonaccrual | RCON1403 | $57.7M |
| Total Loans and Lease Financing Receivables: Past Due 30-89 Days and Still Accruing | RCON1406 | $51.1M |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Other - Past Due 30 Through 89 Days and Still Accruing | RCONK216 | $40.8M |
| Commercial and Industrial Loans - Nonaccrual | RCON1608 | $30.4M |
| Guaranteed Portion of Loans and Leases Included in Item 10, Excluding Rebooked 'Gnma Loans' : Nonaccrual | RCONK041 | $28.3M |
| Loans and Leases Reported in the Past Due and Nonaccrual Loans, Leases and Other Assets Which Are Wholly or Partially Guaranteed by the U.S. Government , Excluding Loans and Leases Covered by Loss-sharing Agreements with the FDIC - Nonaccrual | RCONK038 | $28.3M |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Other - Nonaccrual | RCONK218 | $15.7M |
| Loans Secured by Owner-occupied Nonfarm Nonresidential Properties, Nonaccrual | RCONF182 | $6.5M |
| Commercial and Industrial Loans - Past Due 30-89 Days and Still Accruing | RCON1606 | $5.4M |
| Guaranteed Portion of Loans and Leases Included in Item 10, Excluding Rebooked 'Gnma Loans' Past Due 30 Through 89 Days and Still Accruing | RCONK039 | $5.4M |
| Loans and Leases Reported in the Past Due and Nonaccrual Loans, Leases and Other Assets Which Are Wholly or Partially Guaranteed by the U.S. Government , Excluding Loans and Leases Covered by Loss-sharing Agreements with the FDIC - Past Due 30 Through 89 Days and Still Accruing | RCONK036 | $5.4M |
| Lease Financing Receivables - Nonaccrual | RCON1228 | $3.4M |
| Itemize Loan Modifications to Borrowers Experiencing Financial Difficulty Other Consumer (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) Loans to Individuals for Household, Family, and Other Personal Expenditures: Past Due 30 Through 89 Days and Still Accruing | RCONK280 | $3.2M |
| Loan Modifications to Borrowers Experiencing Financial Difficulty: All Other Loans - Past Due 30 Through 89 Days and Still Accruing | RCONK126 | $3.2M |
| Total Loan Modifications to Borrowers Experiencing Financial Difficulty Included in Schedule Rc-n Items 1 Through 7 Above and Not Reported in Schedule Rc-c, Part I, Memo Item 1, Past Due 30 Through 89 Days and Still Accruing | RCONHK26 | $3.2M |
| Itemize Loan Modifications to Borrowers Experiencing Financial Difficulty Other Consumer (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) Loans to Individuals for Household, Family, and Other Personal Expenditures: Nonaccrual | RCONK282 | $3.2M |
| Loan Modifications to Borrowers Experiencing Financial Difficulty : All Other Loans - Nonaccrual | RCONK128 | $3.2M |
| Total Loan Modifications to Borrowers Experiencing Financial Difficulty Included in Schedule Rc-n Items 1 Through 7 Above and Not Reported in Schedule Rc-c, Part I, Memo Item 1, Nonaccrual | RCONHK28 | $3.2M |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Automobile Loans - Past Due 30 Through 89 Days and Still Accruing | RCONK213 | $3.1M |
| Loans Secured by Owner-occupied Nonfarm Nonresidential Properties, 30-89 Days Past Due | RCONF178 | $1.8M |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens-nonaccural | RCONC229 | $1.2M |
| Other Construction Loans and All Land Development and Other Land Loans, Nonaccrual | RCONF177 | $265K |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Automobile Loans - Nonaccrual | RCONK215 | $157K |
| Commercial and Industrial Loans - Past Due 90 Days or More and Still Accruing | RCON1607 | $116K |
| Guaranteed Portion of Loans and Leases Included in Item 10, Excluding Rebooked 'Gnma Loans' Past Due 90 Days or More and Still Accruing | RCONK040 | $116K |
| Loans and Leases Reported in the Past Due and Nonaccrual Loans, Leases and Other Assets Which Are Wholly or Partially Guaranteed by the U.S. Government , Excluding Loans and Leases Covered by Loss-sharing Agreements with the FDIC - Past Due 90 Days or More and Still Accruing | RCONK037 | $116K |
| Total Loans and Lease Financing Receivables: Past Due 90 Days or More and Still Accruing | RCON1407 | $116K |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by Junior Liens-nonaccural | RCONC230 | $25K |
Schedule RC-O: Other Data for Deposit Insurance Assessments (15 items)
About Schedule RC-O · Happen Bank, N.A. other data for deposit insurance assessments trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average Consolidated Total Assets for the Calendar Quarter | RCONK652 | $12.14B |
| Total Deposit Liabilities as Defined in Section 3(1) of the Federal Deposit Insurance Act Before Exclusions | RCONF236 | $10.86B |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of $250,000 or Less | RCONF049 | $7.60B |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF051 | $3.27B |
| Estimated Amount of Uninsured Assessable Deposits in Domestic Offices of the Bank and in Insured Branches in Puerto Rico and U.S. Territories and Possessions, Including Related Interest Accrued and Unpaid | RCON5597 | $1.30B |
| Average Tangible Equity for the Calendar Quarter | RCONK654 | $1.29B |
| Nonbrokered Time Deposits of More Than $250,000 in Domestic Offices | RCONK678 | $509.9M |
| Portion of Funded Loans and Securities Guaranteed or Insured by the U.S. Government (Including FDIC Loss-sharing Agreements) - Commercial and Industrial Loans | RCONN181 | $115.0M |
| Total Unfunded Commitments to Fund Construction, Land Development, and Other Land Loans Secured by Real Estate | RCONK676 | $61.9M |
| Portion of Funded Loans and Securities Guaranteed or Insured by the U.S. Government (Including FDIC Loss-sharing Agreements) - Loans Secured by Multifamily Residential and Nonfarm Nonresidential Properties | RCONN178 | $33.2M |
| Portion of Unfunded Commitments to Fund Construction, Land Development, and Other Land Loans Secured by Real Estate That Are Guarnateed or Insured by the U.S. Government (Including the FDIC) | RCONK677 | $6.2M |
| Portion of Funded Loans and Securities Guaranteed or Insured by the U.S. Government (Including FDIC Loss-sharing Agreements): Construction, Land Development, and Other Land Loans Secured by Real Estate | RCONN177 | $5.6M |
| Number of Deposit Accounts (Excluding Retirement Accounts)of $250,000 or Less | RCONF050 | 285,033 |
| Number of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF052 | 7,033 |
| Averaging Method Used | RCONK653 | 1 |
Schedule RC-Q: Assets and Liabilities Measured at Fair Value on a Recurring Basis (25 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Loans and Leases Held for Sale - Level 3 Fair Value Measurements | RCONG487 | $1.77B |
| Loans and Leases Held for Sale - Total Fair Value Reported on Schedule Rc | RCONG483 | $1.77B |
| Loans and Leases Held for Investment - Level 3 Fair Value Measurements | RCONG492 | $2.08B |
| Loans and Leases Held for Investment - Total Fair Value Reported on Schedule Rc | RCONG488 | $2.08B |
| Total Assets Measured at Fair Value on a Recurring Basis - Total Fair Value Reported on Schedule Rc | RCONG502 | $7.97B |
| Total Assets Measured at Fair Value on a Recurring Basis - Level 3 Fair Value Measurements | RCONG506 | $7.58B |
| Available-for-sale debt securities and equity securities with readily determinable fair values not held for trading purposes | RCONJA36 | $4.04B |
| Loans measured at fair value, Loans to individuals for household, family, and other personal expenditures (consumer loans includes purchased paper), Consolidated Bank (domestic offices) | RCONHT93 | $3.97B |
| Loans measured at fair value, Loans to individuals for household, family, and other personal expenditures (consumer loans includes purchased paper), Consolidated Bank (domestic offices) | RCONHT89 | $3.80B |
| Available-for-sale Securities - Level 3 Fair Value Measurements | RCONG477 | $3.65B |
| Total Assets Measured at Fair Value on a Recurring Basis - Level 2 Fair Value Measurements | RCONG505 | $395.3M |
| Available-for-sale Securities - Level 2 Fair Value Measurements | RCONG476 | $384.5M |
| All Other Assets - Total Fair Value Reported on Schedule Rc | RCONG391 | $77.0M |
| All Other Assets - Level 3 Fair Value Measurements | RCONG804 | $66.2M |
| First Itemized Amount That Exceeds $100,000 and Exceed 25% of All Other Assets Measured at Fair Value on a Recurring Basis (Rc-q 6.) - Level 3 Fair Value Measurements | RCONG550 | $66.2M |
| First Itemized Amount That Exceeds $100,000 and Exceed 25% of All Other Assets Measured at Fair Value on a Recurring Basis (Rc-q 6.) - Total Fair Value Reported on Schedule Rc | RCONG546 | $66.2M |
| Loans measured at fair value, Loans secured by real estate, All other loans secured by real estate, Domestic Offices | RCONHT88 | $38.6M |
| Loans measured at fair value, Unpaid principal balance of loans measured at fair value, All other loans secured by real estate, Domestic Offices | RCONHT92 | $38.4M |
| All Other Assets - Level 2 Fair Value Measurements | RCONG396 | $10.8M |
| 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 2 Fair Value Measurements | RCONG569 | $1.8M |
| 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 | RCONG566 | $1.8M |
| All Other Liabilities - Level 2 Fair Value Measurements | RCONG808 | $1.8M |
| All Other Liabilities - Total Fair Value Reported on Balance Sheet | RCONG805 | $1.8M |
| Total Liabilities Measured at Fair Value on a Recurring Basis - Level 2 Fair Value Measurements | RCONG534 | $1.8M |
| Total Liabilities Measured at Fair Value on a Recurring Basis - Total Fair Value Reported on Schedule Rc | RCONG531 | $1.8M |
Schedule RC-R: Regulatory Capital (2 items)
About Schedule RC-R · Happen Bank, N.A. regulatory capital trends
Schedule RC-R, Part I: Regulatory Capital Components and Ratios (25 items)
About Schedule RC-R, Part I · Happen Bank, N.A. regulatory capital components and ratios trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average total consolidated assets | RCOAKW03 | $12.14B |
| Average Total Assets (Net of Deductions) | RCOAA224 | $11.99B |
| Risk-weighted Assets (Net of Allowances and Other Deductions) | RCOAA223 | $8.45B |
| Common Equity Tier 1 Capital Before Adjustments and Deductions | RCOAP840 | $1.43B |
| Total Qualifying Capital Allowable Under the Risk-based Capital Guidelines | RCOA3792 | $1.42B |
| Common Equity Tier 1 Capital | RCOAP859 | $1.32B |
| Subtotal of Common Equity Tier 1 Capital: Adjustments and Deductions | RCOAP852 | $1.32B |
| Tier 1 Capital Allowable Under the Risk-based Capital Guidelines | RCOA8274 | $1.32B |
| Common Equity Tier 1 Capital: Common Stock Plus Related Surplus, Net of Treasury Stock and Unearned Employee Stock Ownership Plan (ESOP) Shares | RCOAP742 | $988.5M |
| Retained Earnings | RCOAKW00 | $479.3M |
| 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 | $152.1M |
| General Loan and Lease Valuation Allowances | RCOA5310 | $106.7M |
| Tier 2 (Supplementary) Capital | RCOA5311 | $106.7M |
| Tier 2 Capital Before Deductions | RCOAP870 | $106.7M |
| Goodwill Net of Associated Deferred Tax Liabilities (Dtls) | RCOAP841 | $75.7M |
| Intangible Assets (Other Than Goodwill and Mortgage Servicing Assets (Msas)), Net of Associated Dtls | RCOAP842 | $72.7M |
| Accumulated Other Comprehensive Income | RCOAB530 | -$39.0M |
| 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 | -$39.0M |
| Deferred Tax Assets (DTAS) That Arise from Net Operating Loss and Tax Credit Carryforwards, Net of Any Related Valuation Allowances and Net of Dtls | RCOAP843 | $3.7M |
| A. AOCI Opt-out Election (Enter '1' for Yes, Enter '0' for No.) | RCOAP838 | 1 |
| Total Risk-based Capital Ratio | RCOA7205 | 0.1683 |
| Common Equity Tier 1 Capital Ratio | RCOAP793 | 0.1557 |
| Tier 1 Risk-based Capital Ratio | RCOA7206 | 0.1557 |
| Tier 1 Leverage Capital Ratio | RCOA7204 | 0.1098 |
| Institution-specific Capital Buffer Necessary to Avoid Limitations on Distributions and Discretionary Bonus Payments: Capital Conservation Buffer | RCOAH311 | 0.0883 |
Schedule RC-R, Part II: Risk-Weighted Assets (69 items)
About Schedule RC-R, Part II · Happen Bank, N.A. 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 | $8.54B |
| Total Risk-weighted Assets | RCONG641 | $8.45B |
| Risk-weighted Assets by Risk-weighted Category - 100 Pct Risk Weight Category | RCONG637 | $7.45B |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 100 Pct Risk Weight Category | RCONG633 | $7.45B |
| Total Balance Sheet Assets - 100 Pct Risk Weight Category | RCOND990 | $7.41B |
| Total Loans and Leases, Net of Unearned Income, All Other Exposures | RCONS457 | $5.05B |
| Loans and Leases, Net of Unearned Income, All Other Exposures - 100 Pct Risk Weight Category | RCONS462 | $4.93B |
| On-balance Sheet Securitization Exposures, Available-for-sale Securities - Adjustments to Total Reported in Column a | RCONS481 | $3.39B |
| Total On-balance Sheet Securitization Exposures, Available-for-sale Securities | RCONS480 | $3.39B |
| Total Balance Sheet Assets - Adjustments to Total Reported in Column a | RCONS500 | $3.32B |
| Loans and Leases Held for Sale, All Other Exposures - 100 Pct Risk Weight Category | RCONS436 | $1.77B |
| Total Loans and Leases Held for Sale, All Other Exposures | RCONS431 | $1.77B |
| Notional Principal Amounts of Over-the-counter Derivate Contracts, Interest Rate - Over One Year Through Five Years | RCONS583 | $1.33B |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 0 Pct Risk Weight Category | RCONG630 | $934.7M |
| Total Balance Sheet Assets - 0 Pct Risk Weight Category | RCOND987 | $934.7M |
| Total Cash and Balances Due from Depository Institutions | RCOND957 | $899.8M |
| Cash and Balances Due from Depository Institutions - 0 Pct Risk Weight Category | RCOND958 | $867.2M |
| Notional Principal Amounts of Over-the-counter Derivate Contracts, Interest Rate - One Year or Less | RCONS582 | $853.4M |
| On-balance Sheet Securitization Exposures, Available-for-sale Securities - Ssfa Risk Weight Exposure, by Calculation Methodology | RCONS483 | $701.7M |
| Total All Other Assets | RCOND981 | $689.9M |
| Available-for-sale debt securities and equity securities with readily determinable fair values not held for trading purposes, Total Fair Value | RCONJA21 | $642.3M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 20 Pct Risk Weight Category | RCONG631 | $581.2M |
| Total Balance Sheet Assets - 20 Pct Risk Weight Category | RCOND988 | $572.8M |
| All Other Assets - 100 Pct Risk Weight Category | RCOND985 | $417.7M |
| Available-for-sale Securities - 20 Pct Risk Weight Category | RCOND968 | $365.2M |
| Available-for-sale Securities - 100 Pct Risk Weight Category | RCOND970 | $264.9M |
| All Other Assets - Adjustments to Totals Reported in Column a | RCONS469 | $175.3M |
| Total Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures | RCONS439 | $169.3M |
| Risk-weighted Assets by Risk-weighted Category - 250 Pct Risk Weight Category | RCONS573 | $152.3M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 50 Pct Risk Weight Category | RCONG632 | $149.1M |
| Total Balance Sheet Assets - 50 Pct Risk Weight Category | RCOND989 | $149.1M |
| Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures - 50 Pct Risk Weight Category | RCONS442 | $145.9M |
| Risk-weighted Assets by Risk-weighted Category - 20 Pct Risk Weight Category | RCONG635 | $116.2M |
| Loans and Leases, Net of Unearned Income, All Other Exposures - 20 Pct Risk Weight Category | RCONS460 | $110.7M |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, Face, Notional or Other Amount | RCONS525 | $110.5M |
| Risk-weighted Assets by Risk-weighted Category - 50 Pct Risk Weight Category | RCONG636 | $74.6M |
| Available-for-sale Securities - 0 Pct Risk Weight Category | RCOND967 | $67.5M |
| All Other Assets - 250 Pct Risk Weight Category | RCONH293 | $60.9M |
| The total of all components in the 250% balance sheet asset category on Call Report Schedule RC-R is multiplied by 250% | RCONS504 | $60.9M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 250 Pct Risk Weight Category | RCONS562 | $60.9M |
| Available-for-sale Securities - Adjustment to Totals Reported in Column a | RCONS402 | -$59.7M |
| Total Loans and Leases, Net of Unearned Income, Exposures Past Due 90 Days or More or on Nonaccrual | RCONS449 | $55.3M |
| Risk-weighted Assets by Risk-weighted Category - 150 Pct Risk Weight Category | RCONS572 | $44.0M |
| All Other Assets - 20 Pct Risk Weight Category | RCOND983 | $36.0M |
| Cash and Balances Due from Depository Institutions - 20 Pct Risk Weight Category | RCOND959 | $32.6M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 150 Pct Risk Weight Category | RCONS561 | $29.4M |
| Total Balance Sheet Assets - 150 Pct Risk Weight Category | RCONS503 | $29.4M |
| Loans and Leases, Net of Unearned Income, Exposures Past Due 90 Days or More or on Nonaccrual - 20 Pct Risk Weight Category | RCONS452 | $28.3M |
| Loans and Leases, Net of Unearned Income, Exposures Past Due 90 Days or More or on Nonaccrual - 150 Pct Risk Weight Category | RCONS455 | $26.9M |
| Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures - 100 Pct Risk Weight Category | RCONS443 | $23.4M |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, Credit Equivalent Amount | RCONS526 | $22.1M |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, 100% | RCONS530 | $18.1M |
| Over-the-counter Derivatives - 100 Pct Risk Weight Category | RCONS547 | $17.5M |
| Over-the-counter Derivatives - Credit Equivalent Amount | RCONS542 | $17.5M |
| Unused Commitments, Original Maturity Exceeding One Year - Face, Notional, or Other Amount | RCONG624 | $12.0M |
| Current Credit Exposure Across All Derivative Contracts Covered by the Regulatory Capital Rules | RCONG642 | $10.8M |
| Unused Commitments, Original Maturity Exceeding One Year - Credit Equivalent Amount | RCONG625 | $6.0M |
| Unused Commitments, Original Maturity Exceeding One Year - 20 Pct Risk Weight Category | RCONG627 | $4.4M |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, 20% | RCONS528 | $4.0M |
| Available-for-sale Securities - 50 Pct Risk Weight Category | RCOND969 | $3.2M |
| Unused Commitments, Original Maturity Exceeding One Year - 100 Pct Risk Weight Category | RCONG629 | $1.6M |
| Loans and Leases Held for Sale, Exposures Past Due 90 Days or More or on Nonaccrual - 150 Pct Risk Weight Category | RCONS429 | $1.3M |
| Total Loans and Leases Held for Sale, Exposures Past Due 90 Days or More or on Nonaccrual | RCONS423 | $1.3M |
| Available-for-sale Securities - 150 Pct Risk Weight Category | RCONS403 | $1.2M |
| Loans and Leases, Net of Unearned Income, All Other Exposures - Adjustments to Totals Reported in Column a | RCONS458 | $396K |
| Loans and Leases, Net of Unearned Income, Exposures Past Due 90 Days or More or on Nonaccrual - 0 Pct Risk Weight Category | RCONS451 | $116K |
| Financial Standby Letters of Credit - 100 Pct Risk Weight Category | RCOND996 | $82K |
| Financial Standby Letters of Credit - Credit Equivalent Amount | RCOND992 | $82K |
| Financial Standby Letters of Credit - Face, Notional, or Other Amount | RCOND991 | $82K |
Schedule RC-S: Servicing, Securitization, and Asset Sale Activities (8 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Outstanding Principal Balance of Loans Other Than 1-4 Family Residential Mortgage Loans That Are Serviced for Others | RCONA591 | $8.27B |
| Outstanding Principal Balance of Assets Sold and Securitized with Recourse or Other Seller-provided Credit Enhancements - All Other Loans | RCONB711 | $5.18B |
| Total amount of ownership (or sellers) interest carried as securities or loans, Commercial and Industrial Loans, All other Loans, All Leases, and All Other Assets | RCONHU19 | $3.65B |
| Charge-offs on Assets Sold and Securitized with Recourse or Other Seller-provided Credit Enhancements (Calendar Year-to-date): All Other Loans | RIADB753 | $123.9M |
| Past Due Loan Amounts Included in Item 1: 30-89 Days All Other Loans | RCONB739 | $47.7M |
| Past Due Loan Amounts Included in Item 1: 90 Days or More All Other Loans | RCONB746 | $20.0M |
| Recoveries on Assets Sold and Securitized with Recourse or Other Seller-provided Credit Enhancements (Calendar Year-to-date): All Other Loans | RIADB760 | $19.2M |
| 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 | RCONB805 | $77K |
Schedule RI-A: Changes in Bank Equity Capital (6 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Equity Capital | RIAD3210 | $1.43B |
| Balance End of Previous Calendar Year as Restated | RIADB508 | $1.31B |
| Equity Capital, Most Recently Reported for the End of Previous Calendar Year (I.e., After Adjustments from Amended Reports of Income) | RIAD3217 | $1.31B |
| Other Comprehensive Income | RIADB511 | -$20.8M |
| Other Transactions with Stockholders (Including Parent Holding Company) | RIAD4415 | $20.3M |
| Sale, Conversion, Acquisition, or Retirement of Capital Stock, Net (Excluding Treasury Stock Transactions) | RIADB509 | $14.9M |
Schedule RI-B, Part I: Charge-offs and Recoveries on Loans and Leases (9 items)
About Schedule RI-B, Part I · Happen Bank, N.A. charge-offs and recoveries on loans and leases trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Charge-offs on Allowance for Loan and Lease Losses | RIAD4635 | $99.2M |
| Charge-offs All Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADK205 | $97.6M |
| Recoveries on Allowance for Loan and Lease Losses | RIAD4605 | $26.4M |
| Recoveries All Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADK206 | $25.2M |
| Charge-offs on Automobile Loans | RIADK129 | $1.5M |
| Recoveries on Automobile Loans | RIADK133 | $870K |
| Recoveries on Commercial and Industrial Loans | RIAD4608 | $344K |
| Charge-offs on Commercial and Industrial Loans | RIAD4638 | $158K |
| Other Construction Loans and All Land Development and Other Land Loans, Recoveries | RIADC894 | $2K |
Schedule RI-B, Part II: Changes in Allowances for Credit Losses (8 items)
About Schedule RI-B, Part II · Happen Bank, N.A. changes in allowances for credit losses trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Balance Most Recently Reported for the December 31, 2000, Reports of Condition and Income(i.e., After Adjustments from Amended Report of Income) | RIADB522 | $275.7M |
| Allowance for Loan and Lease Losses | RIAD3123 | $192.9M |
| Charge-offs on Allowance for Loan and Lease Losses | RIADC079 | $99.2M |
| Estimated amount of expected recoveries of amounts previously written off included within the allowance for credit losses on loans and leases held for investment (included in item 7, column A, 'Balance end of current period,' above) | RIADMG94 | $34.6M |
| Balance most recently reported for end of previous calendar year, Available-for-sale debt securities | RIADJH94 | $4.1M |
| Balance at end of current period, Available-for-sale debt securities | RIADJH99 | $4.0M |
| Provisions for credit losses on off-balance-sheet exposures | RIADMG93 | -$376K |
| Provisions for credit losses, Available-for-sale debt securities | RIADJH96 | -$112K |
Schedule RI-C: Disaggregated Data on the Allowance for Credit Losses (12 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Loans and Leases, Held for Investment, Total, Amortized Cost | RCONJJ11 | $3.19B |
| Loans and Leases, Held for Investment, Other consumer loans, Amortized Cost | RCONJJ09 | $2.40B |
| Loans and Leases, Held for Investment, Real estate loans, Commercial real estate loans, Amortized Cost | RCONJJ05 | $397.4M |
| Loans and Leases, Held for Investment, Total, Allowance Balance | RCONJJ19 | $192.9M |
| Loans and Leases, Held for Investment, Commerical loans, Amortized Cost | RCONJJ07 | $180.7M |
| Loans and Leases, Held for Investment, Other consumer loans, Allowance Balance | RCONJJ17 | $176.0M |
| Loans and Leases, Held for Investment, Real estate loans, Residential real estate loans, Amortized Cost | RCONJJ06 | $147.5M |
| Loans and Leases, Held for Investment, Real estate loans, Construction loans, Amortized Cost | RCONJJ04 | $62.8M |
| Loans and Leases, Held for Investment, Commerical loans, Allowance Balance | RCONJJ15 | $10.0M |
| Loans and Leases, Held for Investment, Real estate loans, Commercial real estate loans, Allowance Balance | RCONJJ13 | $5.0M |
| Loans and Leases, Held for Investment, Real estate loans, Construction loans, Allowance Balance | RCONJJ12 | $1.2M |
| Loans and Leases, Held for Investment, Real estate loans, Residential real estate loans, Allowance Balance | RCONJJ14 | $795K |
Schedule RI-E: Explanations (8 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Second Itemized Amount That Exceeds 10% of All Other Noninterest Income (5408) | RIAD4462 | $293.6M |
| Third Itemized Amount That Exceeds 10% of All Other Noninterest Income (5408) | RIAD4463 | -$211.3M |
| Marketing and Other Professional Services | RIAD0497 | $118.0M |
| First Itemized Amount That Exceeds 10% of Other Noninterest Expense (4092) | RIAD4464 | $50.8M |
| First Itemized Transaction of Other Transactions with Stockholders (Including Parent Holding Company) (4415) | RIAD4498 | $20.3M |
| Consulting and Advisory Expense | RIADF557 | $20.2M |
| Data Processing Expenses | RIADC017 | $18.8M |
| First Itemized Amount That Exceeds 10% of All Other Noninterest Income (5408) | RIAD4461 | $11.6M |
Happen Bank, N.A. 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 Happen Bank, N.A. call report?
The Happen Bank, N.A. 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 Happen Bank, N.A. file?
Happen Bank, N.A. files the FFIEC 041. 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 Happen Bank, N.A. call report number?
A call report has no number of its own. It is filed and looked up by the bank's identifiers: Happen Bank, N.A. has Federal Reserve RSSD ID 264772 and FDIC certificate number 32551. Either one finds its filings on the FFIEC Central Data Repository.
How often does Happen Bank, N.A. 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.
Happen Bank, N.A. 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 32551) · FFIEC NIC profile (RSSD 264772)