Bank call report · Industry, TX
Industry State Bank Call Report
Filed for the quarter ended (Q2 2025) on the FFIEC 041. Source: FFIEC Central Data Repository.
BankRegReports is independent of Industry State Bank and never asks for online banking logins or passwords.
Industry State Bank filed its latest call report for the quarter ended June 30, 2025 on the FFIEC 041. Below are its 291 reported line items, schedule by schedule (604 items filed as zero are left out). The official PDF is on the FFIEC Central Data Repository.
This is the last call report on file for Industry State Bank; it has not filed for the most recent published quarter.
| Call report form | FFIEC 041 |
|---|---|
| Latest quarter filed | Q2 2025 (June 30, 2025) |
| Federal Reserve RSSD ID | 733054 |
| FDIC certificate number | 12506 |
| Total assets | $641.2M |
Official Q2 2025 call report PDF (FFIEC) →
Industry State Bank call report by schedule, Q2 2025
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 (22 items)
About Schedule RC · Industry State Bank balance sheet trends
| Line item | Code | Q2 2025 |
|---|---|---|
| Total liabilities and minority interest | RCON2948 | $644.1M |
| Total assets | RCON2170 | $641.2M |
| Total liabilities, limited-life preferred stock, and equity capital | RCON3300 | $641.2M |
| Total deposits | RCON2200 | $631.7M |
| Total interest-bearing deposits in foreign and domestic offices | RCON6636 | $535.6M |
| Available-for-sale debt securities (from Schedule RC-B, column D) | RCON1773 | $329.0M |
| Loans and leases, net of unearned income - totals | RCONB528 | $182.8M |
| Loans and leases, net of unearned income and allowance | RCONB529 | $179.5M |
| Accumulated other comprehensive income | RCONB530 | -$144.8M |
| Undivided profits and capital reserves | RCON3632 | $119.2M |
| Deposits, noninterest-bearing | RCON6631 | $96.0M |
| Interest-bearing balances | RCON0071 | $92.3M |
| Other assets | RCON2160 | $28.4M |
| Surplus | RCON3839 | $21.2M |
| Other liabilities, total | RCON2930 | $12.4M |
| Noninterest-bearing balances and currency and coin | RCON0081 | $6.5M |
| Premises and fixed assets (including capitalized leases) | RCON2145 | $5.4M |
| Allowance for loan and lease losses | RCON3123 | $3.3M |
| Total equity capital | RCON3210 | -$2.9M |
| Total equity capital including noncontrolling minority interests in consolidated subsidiaries | RCONG105 | -$2.9M |
| Common stock | RCON3230 | $1.6M |
| Intangible assets | RCON2143 | $9K |
Schedule RI: Income Statement (38 items)
About Schedule RI · Industry State Bank income statement trends
| Line item | Code | Q2 2025 |
|---|---|---|
| Total interest income | RIAD4107 | $15.3M |
| Total interest expense | RIAD4073 | $9.1M |
| Realized gains (losses) on available-for-sale debt securities | RIAD3196 | -$8.5M |
| Net interest income | RIAD4074 | $6.1M |
| Interest and fee income on loans, total | RIAD4010 | $6.0M |
| Income (loss) before applicable income taxes and discontinued operations | RIAD4301 | -$5.8M |
| 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 | -$5.8M |
| Income (loss) before discontinued operations | RIAD4300 | -$5.8M |
| Net income (loss) | RIAD4340 | -$5.8M |
| Net income (loss) attributable to bank and noncontrolling minority interests | RIADG104 | -$5.8M |
| Interest on other securities | RIAD4060 | $5.1M |
| Interest expense, interest on deposits, nontransaction accounts, time deposits of 250000 or less | RIADHK03 | $4.8M |
| Total noninterest expense | RIAD4093 | $4.8M |
| Interest and dividend income on tax-exempt securities issued by states and political subdivisions in the U.S. | RIAD4507 | $4.4M |
| Interest income on balances due from depository institutions | RIAD4115 | $3.0M |
| Other noninterest expense | RIAD4092 | $2.8M |
| Interest and fee income on all other loans secured by real estate | RIAD4436 | $2.0M |
| Interest expense, interest on deposits, nontransaction accounts, time deposits of more than 250000 | RIADHK04 | $1.9M |
| Salaries and employee benefits | RIAD4135 | $1.7M |
| Interest and fee income on commercial and industrial loans | RIAD4012 | $1.6M |
| Interest on transaction accounts (NOW accounts, ats accounts, and telephone and preauthorized transfer accounts) | RIAD4508 | $1.6M |
| Total noninterest income | RIAD4079 | $1.3M |
| Interest and fee income on loans secured by 1-4 family residential properties | RIAD4435 | $1.1M |
| Other noninterest income | RIADB497 | $1.0M |
| Interest and fee income on all other loans in domestic offices | RIAD4058 | $954K |
| Interest and fee income on loans to finance agricultural production and other loans to farmers in domestic offices | RIAD4024 | $921K |
| 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 | $882K |
| Savings deposits (including mmdas) | RIAD0093 | $854K |
| Interest and dividend income on securities, U.S. treasury securities and U.S. government agency obligations (excluding mortgage-backed securities) | RIADB488 | $818K |
| Interest and dividend income on securities, mortgage-backed securities | RIADB489 | $357K |
| 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 | $330K |
| Service charges on deposit accounts in domestic offices | RIAD4080 | $286K |
| Expenses of premises and fixed assets | RIAD4217 | $236K |
| Amortization expense and impairment losses intangible assets | RIADC232 | $53K |
| Estimated income on tax-exempt loans and leases to states and political subdivisions in the U.S. | RIAD4313 | $32K |
| Other interest income | RIAD4518 | $32K |
| Income from other insurance and reinsurance activities | RIADC387 | $9K |
| Number of full time equivalent employees on payroll at end of current period | RIAD4150 | 40 |
Schedule RC-A: Cash and Balances Due from Depository Institutions (5 items)
| Line item | Code | Q2 2025 |
|---|---|---|
| Cash and balances due from depository institutions | RCON0010 | $98.8M |
| Balances due from federal reserve banks | RCON0090 | $92.2M |
| Cash items in process of collection and unposted debits | RCON0020 | $3.8M |
| Currency and coin | RCON0080 | $2.1M |
| Balances due from depository institutions in the U.S. | RCON0082 | $679K |
Schedule RC-B: Securities (22 items)
About Schedule RC-B · Industry State Bank securities trends
| Line item | Code | Q2 2025 |
|---|---|---|
| Mortgage-backed securities (MBS), residential pass-through securities, guaranteed by GNMA, available-for-sale amortized cost | RCONG302 | $1.5M |
| Mortgage-backed securities (MBS), residential pass-through securities, guaranteed by GNMA, available-for-sale fair value | RCONG303 | $1.2M |
| Mortgage-backed securities (MBS), residential pass-through securities, issued by FNMA and FHLMC, available-for-sale amortized cost | RCONG306 | $26.2M |
| Mortgage-backed securities (MBS), residential pass-through securities, issued by FNMA and FHLMC, available-for-sale fair value | RCONG307 | $23.1M |
| Total amortized cost of available-for-sale securities | RCON1772 | $473.8M |
| Amortized cost of available-for-sale securities issued by states and political subdivisions in the U.S. | RCON8498 | $368.1M |
| Pledged securities | RCON0416 | $306.1M |
| 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 | $259.1M |
| Fair value of available-for-sale securities issued by states and political subdivisions in the U.S. | RCON8499 | $254.9M |
| US government agency obligations (exclude mortgage-backed securities), Available for sale, Amortized Cost | RCONHT52 | $43.8M |
| 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 five years through fifteen years | RCONA553 | $39.5M |
| Amortized cost of available-for-sale U.S. treasury securities | RCON1286 | $34.3M |
| US government agency obligations (exclude mortgage-backed securities), Available for sale, Fair Value | RCONHT53 | $34.1M |
| Fair value of available-for-sale U.S. treasury securities | RCON1287 | $15.7M |
| 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 15 years | RCONA560 | $13.0M |
| 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 | $9.5M |
| Securities issued by the U.S. treasury, U.S. government agencies, and states and political subdivisions in the U.S., other non-mortgage debt securities, and mortgage pass-through securities other than those backed by closed-end first lien 1-4 family residential mortgages with a remaining maturity or next repricing date of over one year through three years | RCONA551 | $3.1M |
| Fixed rate and floating rate debt securities with a remaining maturity of one year or less | RCONA248 | $2.0M |
| 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 | $2.0M |
| 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 | $1.4M |
| Securities issued by the U.S. treasury, U.S. government agencies, and states and political subdivisions in the U.S., other non-mortgage debt securities, and mortgage pass-through securities other than those backed by closed-end first lien 1-4 family residential mortgages with a remaining maturity or next repricing date of over three years through five years | RCONA552 | $948K |
| 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 | $486K |
Schedule RC-C, Part I: Loans and Leases (29 items)
About Schedule RC-C, Part I · Industry State Bank loans and leases trends
| Line item | Code | Q2 2025 |
|---|---|---|
| Total loans and leases, net of unearned income | RCON2122 | $182.8M |
| Pledged loans and leases | RCONG378 | $162.4M |
| 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 three months or less | RCONA570 | $50.6M |
| Fixed rate and floating rate loans and leases with a remaining maturity of one year or less | RCONA247 | $46.7M |
| All other loans secured by 1-4 family residential properties, secured by first liens | RCON5367 | $42.5M |
| 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 one year through three years | RCONA572 | $42.2M |
| Commercial and industrial loans | RCON1766 | $40.3M |
| Commercial and industrial loans to U.S. addressees | RCON1763 | $40.3M |
| Loans secured by owner occupied nonfarm nonresidential properties | RCONF160 | $24.1M |
| Loans secured by other nonfarm nonresidential properties. | RCONF161 | $22.4M |
| Loans to finance agricultural production and other loans to farmers | RCON1590 | $20.4M |
| Closed-end loans secured by first liens on 1-4 family residential properties (in domestic offices) with a remaining maturity or repricing frequency of over five years through 15 years | RCONA568 | $19.8M |
| All loans and leases other than closed-end loans secured by first liens on 1-4 family residential properties (in domestic offices) with a remaining maturity or repricing frequency of over three years through five years | RCONA573 | $18.3M |
| 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 three months through 12 months | RCONA571 | $18.2M |
| Real estate loans secured by farmland | RCON1420 | $16.4M |
| 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 five years through 15 years | RCONA574 | $10.7M |
| Closed-end loans secured by first liens on 1-4 family residential properties (in domestic offices) with a remaining maturity or repricing frequency of over one year through three years | RCONA566 | $9.4M |
| Other consumer loans to individuals for household, family, and other personal expenditures (includes single payment, installment, and all student loans) | RCONK207 | $6.1M |
| Closed-end loans secured by first liens on 1-4 family residential properties (in domestic offices) with a remaining maturity or repricing frequency of over three years through five years | RCONA567 | $6.0M |
| Loans secured by other construction loans and all land development and other land loans | RCONF159 | $5.6M |
| 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 | $4.2M |
| Automobile loans to individuals for household, family, and other personal expenditures (i.e., consumer loans)(includes purchased paper) | RCONK137 | $2.2M |
| 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 | $2.0M |
| Loans secured by 1-4 family residential construction | RCONF158 | $1.6M |
| Obligations (other than securities and leases) of states and political subdivisions in the U.S. | RCON2107 | $1.1M |
| Closed-end loans secured by first liens on 1-4 family residential properties (in domestic offices) with a remaining maturity or repricing frequency of three months or less | RCONA564 | $757K |
| Adjustable rate closed-end loans secured by first liens on 1-4 family residential properties | RCON5370 | $338K |
| Loans to nondepository financial institutions and other loans, other loans, all other loans (exclude consumer loans) | RCONJ451 | $34K |
| Other loans | RCONJ464 | $34K |
Schedule RC-C, Part II: Loans to Small Businesses and Small Farms (24 items)
| Line item | Code | Q2 2025 |
|---|---|---|
| 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 | $5.8M |
| 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 | $5.4M |
| Amount currently outstanding of commercial and industrial loans to U.S. addressees (in domestic offices) with original amounts of $100,000 or less | RCON5571 | $5.2M |
| Amount currently outstanding of loans to finance agricultural production and other loans to farmers (in domestic offices) with original amounts of $100,000 or less | RCON5585 | $3.8M |
| Amount currently outstanding of loans to finance agricultural production and other loans to farmers (in domestic offices) with original amounts of more than $250,000 through $500,000 | RCON5589 | $3.0M |
| Amount currently outstanding of loans secured by farmland (including farm residential and other improvements) (in domestic offices) with original amounts of more than $100,000 through $250,000 | RCON5581 | $2.8M |
| Amount currently outstanding of commercial and industrial loans to U.S. addressees (in domestic offices) with original amounts of more than $100,000 through $250,000 | RCON5573 | $2.6M |
| Amount currently outstanding of loans to finance agricultural production and other loans to farmers (in domestic offices) with original amounts of more than $100,000 through $250,000 | RCON5587 | $1.7M |
| Amount currently outstanding of loans secured by farmland (including farm residential and other improvements) (in domestic offices) with original amounts of more than $250,000 through $500,000 | RCON5583 | $1.4M |
| Amount currently outstanding of loans secured by farmland (including farm residential and other improvements) (in domestic offices) with original amounts of $100,000 or less | RCON5579 | $393K |
| 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 | $348K |
| Amount currently outstanding of loans secured by nonfarm nonresidential properties (in domestic offices) with original amounts of $100,000 or less | RCON5565 | $195K |
| Number of commercial and industrial loans to U.S. addressees (in domestic offices) with original amounts of $100,000 or less | RCON5570 | 279 |
| Number of loans to finance agricultural production and other loans to farmers (in domestic offices) with original amounts of $100,000 or less | RCON5584 | 218 |
| Number of loans to finance agricultural production and other loans to farmers (in domestic offices) with original amounts of more than $100,000 through $250,000 | RCON5586 | 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 | 26 |
| 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 | 23 |
| Number of loans secured by farmland (including farm residential and other improvements) (in domestic offices) with original amounts of more than $100,000 through $250,000 | RCON5580 | 22 |
| Number of loans secured by nonfarm nonresidential properties (in domestic offices) with original amounts of more than $250,000 through $1,000,000 | RCON5568 | 15 |
| Number of loans to finance agricultural production and other loans to farmers (in domestic offices) with original amounts of more than $250,000 through $500,000 | RCON5588 | 14 |
| Number of loans secured by farmland (including farm residential and other improvements) (in domestic offices) with original amounts of $100,000 or less | RCON5578 | 9 |
| Number of loans secured by farmland (including farm residential and other improvements) (in domestic offices) with original amounts of more than $250,000 through $500,000 | RCON5582 | 5 |
| Number of loans secured by nonfarm nonresidential properties (in domestic offices) with original amounts of $100,000 or less | RCON5564 | 4 |
| Number of loans secured by nonfarm nonresidential properties (in domestic offices) with original amounts of more than $100,000 through $250,000 | RCON5566 | 4 |
Schedule RC-E: Deposit Liabilities (30 items)
About Schedule RC-E · Industry State Bank deposit liabilities trends
| Line item | Code | Q2 2025 |
|---|---|---|
| Total nontransaction accounts (including mmda's) | RCON2385 | $450.0M |
| Total nontransaction accounts deposits of individuals, partnerships, and corporations | RCONB550 | $391.9M |
| Time deposits of 250000 or less with a remaining maturity of one year or less | RCONHK11 | $200.2M |
| Total transaction accounts | RCON2215 | $181.7M |
| Components of total nontransaction accounts, total time deposits of $100,000 through $250,000 | RCONJ473 | $139.0M |
| Maturity and repricing data for time depoits of 250000 or less, time deposits of 250000 or less with a remaining maturity or next repricing date of over three months through 12 months | RCONHK08 | $122.3M |
| Total transaction accounts - deposits of individuals, partnerships, and corporation | RCONB549 | $114.2M |
| Other nontransaction savings deposits (excludes mmda's) | RCON0352 | $105.0M |
| Total demand deposits (see note below) | RCON2210 | $102.6M |
| Components of total nontransaction accounts, total time deposits of more than $250,000 | RCONJ474 | $96.7M |
| Time deposits of more than $250,000 with a remaining maturity of one or year less | RCONK222 | $96.1M |
| Maturity and repricing data for time depoits of 250000 or less, time deposits of 250000 or less with a remaining maturity or next repricing date of three months or less | RCONHK07 | $77.9M |
| Total transaction accounts - deposits of states and political subdivisions in the U.S. | RCON2203 | $67.2M |
| Total time deposits of less than $100,000 | RCON6648 | $64.5M |
| Total nontransaction accounts of states and political subdivisions in the U.S. | RCON2530 | $58.1M |
| Maturity and repricing data for time depoits of more than 250000, time deposits of more than 250000 with a remaining maturity or next repricing date of over three months through 12 months | RCONHK13 | $54.9M |
| All time and savings deposits held in IRA and keogh plan accounts | RCON6835 | $49.4M |
| Money market deposit accounts (mmda's) | RCON6810 | $44.9M |
| 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 | $41.2M |
| Selected components of total deposits, brokered deposits of 250000 or less (fully insured brokered deposits) | RCONHK05 | $11.5M |
| Total brokered deposits | RCON2365 | $11.5M |
| Total reciprocal deposits | RCONJH83 | $9.9M |
| Sweep deposits, Fully insured, non-affiliate sweep deposits | RCONMT91 | $7.7M |
| Total sweep deposits that are not brokered deposits | RCONMT95 | $7.7M |
| Selected components of total deposits, brokered deposits of 250000 or less with a remaining maturity of one year or less | RCONHK06 | $4.4M |
| Maturity and repricing data for time depoits of 250000 or less, time deposits of 250000 or less with a remaining maturity or next repricing date of over one year through three years | RCONHK09 | $2.6M |
| 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 | $721K |
| 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 | $570K |
| Total transaction accounts - deposits of commercial banks and other depository institutions in the U.S. | RCONB551 | $247K |
| Total nontransaction accounts of commercial banks and other depository institutions in the U.S. | RCONB552 | $86K |
Schedule RC-F: Other Assets (8 items)
| Line item | Code | Q2 2025 |
|---|---|---|
| Life insurance assets, general account life insurance assets | RCONK201 | $14.0M |
| Life insurance assets, hybrid account life insurance assets | RCONK270 | $6.7M |
| Accrued interest receivable | RCONB556 | $4.4M |
| Historical cost of all other available-for-sale equity securities | RCON1752 | $2.4M |
| Other assets | RCON2168 | $918K |
| Prepaid expenses | RCON2166 | $171K |
| Accounts receivable | RCONFT34 | $5K |
| Computer software | RCONFT33 | $4K |
Schedule RC-G: Other Liabilities (7 items)
| Line item | Code | Q2 2025 |
|---|---|---|
| Other expenses accrued and unpaid | RCON3646 | $4.7M |
| All other liabilities | RCON2938 | $3.7M |
| Interest accrued and unpaid on deposits (in domestic offices) | RCON3645 | $3.7M |
| Deferred compensation liabilities | RCONC011 | $3.4M |
| Allowance for credit losses on off-balance sheet credit exposures | RCONB557 | $400K |
| Accounts payable | RCON3066 | $196K |
| Operating lease liabilities | RCONLB56 | $85K |
Schedule RC-K: Quarterly Averages (15 items)
About Schedule RC-K · Industry State Bank quarterly averages trends
| Line item | Code | Q2 2025 |
|---|---|---|
| Quarterly average of total assets | RCON3368 | $803.7M |
| All other securities | RCONB560 | $368.7M |
| Liabilities, nontransaction accounts, time deposits of 250000 or less | RCONHK16 | $223.1M |
| Quarterly average of total loans | RCON3360 | $179.8M |
| Nontransaction accounts in domestic offices, savings deposits | RCONB563 | $149.3M |
| Quarterly average of interest-bearing balances due from depository institutions | RCON3381 | $117.1M |
| Transaction accounts (in domestic offices) (NOW accounts, ats accounts, and telephone and preauthorized transfer accounts) - quarterly average | RCON3485 | $98.7M |
| Liabilities, nontransaction accounts, time deposits of more than 250000 | RCONHK17 | $81.0M |
| U.S. treasury securities and U.S. government agency obligations (excluding mortgage-backed securities) | RCONB558 | $78.0M |
| Quarterly average of all other loans secured by real estate | RCON3466 | $68.6M |
| Quarterly average of loans secured by 1-4 family residential properties | RCON3465 | $41.6M |
| Quarterly average of commercial and industrial loans | RCON3387 | $39.6M |
| Mortgage-backed securities | RCONB559 | $28.2M |
| Quarterly average of loans to finance agricultural production and other loans to farmers | RCON3386 | $21.4M |
| Loans to individuals for household, family, and other personal expenditures, other | RCONB562 | $8.5M |
Schedule RC-L: Derivatives and Off-Balance-Sheet Items (5 items)
About Schedule RC-L · Industry State Bank derivatives and off-balance-sheet items trends
| Line item | Code | Q2 2025 |
|---|---|---|
| Other unused commitments, all other unused commitments | RCONJ459 | $20.2M |
| Other unused commitments, commercial and industrial loans | RCONJ457 | $8.6M |
| Commercial real estate, other construction loan and land development loan commitments | RCONF165 | $6.3M |
| 1-4 family residential construction loan commitments | RCONF164 | $1.8M |
| Financial standby letters of credit and foreign office guarantees | RCON3819 | $50K |
Schedule RC-M: Memoranda (3 items)
About Schedule RC-M · Industry State Bank memoranda trends
| Line item | Code | Q2 2025 |
|---|---|---|
| Aggregate amount of all extensions of credit to all executive officers, directors, principal shareholders, and their related interests | RCON6164 | $3.9M |
| All other intangible assets | RCONJF76 | $9K |
| 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 | 1 |
Schedule RC-N: Past Due and Nonaccrual Loans, Leases, and Other Assets (15 items)
About Schedule RC-N · Industry State Bank past due and nonaccrual loans, leases, and other assets trends
| Line item | Code | Q2 2025 |
|---|---|---|
| Total loans and lease finance receivables, nonaccrual | RCON1403 | $572K |
| Additions to nonaccrual assets | RCONC410 | $400K |
| Total loans and lease financing receivables, past due 30-89 days and still accruing | RCON1406 | $375K |
| Closed-end loans secured by 1-4 family residential properties, secured by first liens-nonaccural | RCONC229 | $359K |
| Commercial and industrial loans - past due 30-89 days and still accruing | RCON1606 | $187K |
| Commercial and industrial loans - nonaccrual | RCON1608 | $141K |
| Closed-end loans secured by 1-4 family residential properties, secured by first liens-past due 30 thru 89 days and still accruing | RCONC236 | $138K |
| All other loans - nonaccrual | RCON5461 | $72K |
| Loans to finance agricultural production and other loans to farmers - nonaccrual | RCON1583 | $72K |
| All other loans - past due 30 through 89 days and still accruing | RCON5459 | $34K |
| Loans to finance agricultural production and other loans to farmers - past due 30-89 days and still accruing | RCON1594 | $32K |
| Loans to individuals for household, family and other personal expenditures, other - past due 30 through 89 days and still accruing | RCONK216 | $9K |
| Loans to individuals for household, family and other personal expenditures, automobile loans - past due 30 through 89 days and still accruing | RCONK213 | $7K |
| Loans to individuals for household, family and other personal expenditures, other - past due 90 days or more and still accruing | RCONK217 | $1K |
| Total loans and lease financing receivables, past due 90 days or more and still accruing | RCON1407 | $1K |
Schedule RC-O: Other Data for Deposit Insurance Assessments (12 items)
About Schedule RC-O · Industry State Bank other data for deposit insurance assessments trends
| Line item | Code | Q2 2025 |
|---|---|---|
| Average consolidated total assets for the calendar quarter | RCONK652 | $803.7M |
| Total deposit liabilities as defined in section 3(1) of the federal deposit insurance act before exclusions | RCONF236 | $635.4M |
| Amount of deposit accounts (excluding retirement accounts) of $250,000 or less | RCONF049 | $349.4M |
| Amount of deposit accounts (excluding retirement accounts) of more than $250,000 | RCONF051 | $236.5M |
| Average tangible equity for the calendar quarter | RCONK654 | $141.3M |
| Amount of retirement deposits accounts of $250,000 or less | RCONF045 | $42.7M |
| Amount of retirement deposit accounts of more than $250,000 | RCONF047 | $6.8M |
| Number of deposit accounts (excluding retirement accounts)of $250,000 or less | RCONF050 | 13,730 |
| Number of retirement deposit accounts of $250,000 or less | RCONF046 | 797 |
| Number of deposit accounts (excluding retirement accounts) of more than $250,000 | RCONF052 | 359 |
| Number of retirement deposit accounts of more than $250,000 | RCONF048 | 23 |
| Averaging method used | RCONK653 | 1 |
Schedule RC-R, Part I: Regulatory Capital Components and Ratios (21 items)
About Schedule RC-R, Part I · Industry State Bank regulatory capital components and ratios trends
| Line item | Code | Q2 2025 |
|---|---|---|
| Average total consolidated assets | RCOAKW03 | $803.7M |
| Average total assets (net of deductions) | RCOAA224 | $803.7M |
| Total assets | RCOA2170 | $641.2M |
| Accumulated other comprehensive income | RCOAB530 | -$144.8M |
| 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 | -$144.8M |
| Common equity tier 1 capital | RCOAP859 | $141.9M |
| Subtotal of common equity tier 1 capital, adjustments and deductions | RCOAP852 | $141.9M |
| Tier 1 capital allowable under the risk-based capital guidelines | RCOA8274 | $141.9M |
| Retained Earnings | RCOAKW00 | $119.2M |
| Total off-balance sheet exposures (sum of items 34.a through 34.c) Report as a dollar amount in Column A and as a percentage of total assets (25% limit) in Column B | RCOAKX82 | $34.9M |
| Off-balance sheet exposures, Unused portion of conditionally cancellable commitments | RCOAKX79 | $34.8M |
| 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 |
| Common equity tier 1 capital before adjustments and deductions | RCOAP840 | -$2.9M |
| Unconditionally cancellable commitments | RCOAS540 | $2.0M |
| Off-balance sheet exposures, Other off-balance sheet exposures | RCOAKX81 | $50K |
| Intangible assets (other than goodwill and mortgage servicing assets (msas)), net of associated dtls | RCOAP842 | $9K |
| 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 | $9K |
| A. AOCI opt-out election (enter '1' for yes, enter '0' for no.) | RCOAP838 | 1 |
| Do you qualify for and opt-in to CBLR? | RCOALE74 | 1 |
| Tier 1 leverage capital ratio | RCOA7204 | 0.1766 |
| Total off-balance sheet exposures (sum of items 15a through 15.c) | RCOAKX83 | 0.0544 |
Schedule RI-A: Changes in Bank Equity Capital (4 items)
| Line item | Code | Q2 2025 |
|---|---|---|
| Balance end of previous calendar year as restated | RIADB508 | $7.7M |
| Equity capital, most recently reported for the end of previous calendar year (i.e., after adjustments from amended reports of income) | RIAD3217 | $7.7M |
| Other comprehensive income | RIADB511 | -$4.8M |
| Total equity capital | RIAD3210 | -$2.9M |
Schedule RI-B, Part I: Charge-offs and Recoveries on Loans and Leases (10 items)
About Schedule RI-B, Part I · Industry State Bank charge-offs and recoveries on loans and leases trends
| Line item | Code | Q2 2025 |
|---|---|---|
| Charge-offs on allowance for loan and lease losses | RIAD4635 | $71K |
| Charge-offs all other (includes single payment, installment, all student loans, and revolving credit plans other than credit cards) | RIADK205 | $39K |
| Charge-offs on commercial and industrial loans | RIAD4638 | $29K |
| Charge-offs on loans to finance commercial real estate, construction, and land development activities included in items 4645, 4646, and 4644 | RIAD5409 | $29K |
| Recoveries on allowance for loan and lease losses | RIAD4605 | $8K |
| Recoveries on all other loans | RIAD4628 | $4K |
| Recoveries on commercial and industrial loans | RIAD4608 | $4K |
| Recoveries on loans to finance commercial real estate, construction, and land development activities included in items 4617, 4618, and 4628 | RIAD5410 | $4K |
| Charge-offs on all other loans | RIAD4644 | $3K |
| Recoveries on loans to finance agricultural production and other loans to farmers | RIAD4665 | $3K |
Schedule RI-B, Part II: Changes in Allowances for Credit Losses (3 items)
About Schedule RI-B, Part II · Industry State Bank changes in allowances for credit losses trends
| Line item | Code | Q2 2025 |
|---|---|---|
| Balance most recently reported for the december 31, 2000, reports of condition and income(i.e., after adjustments from amended report of income) | RIADB522 | $3.3M |
| Allowance for loan and lease losses | RIAD3123 | $3.3M |
| Charge-offs on allowance for loan and lease losses | RIADC079 | $71K |
Schedule RI-E: Explanations (18 items)
| Line item | Code | Q2 2025 |
|---|---|---|
| Data processing expenses | RIADC017 | $658K |
| Second itemized amount that exceeds 10% of other noninterest expense (4092) | RIAD4467 | $554K |
| Second itemized amount that exceeds 10% of all other noninterest income (5408) | RIAD4462 | $307K |
| First itemized amount that exceeds 10% of other noninterest expense (4092) | RIAD4464 | $267K |
| Earnings on/increase in value of cash surrender value of life insurance | RIADC014 | $256K |
| Bank card and credit card interchange fees | RIADF555 | $219K |
| First itemized amount that exceeds 10% of all other noninterest income (5408) | RIAD4461 | $128K |
| Accounting and auditing expenses | RIADF556 | $71K |
| Insurance expenses (not included in emplouee expenses, premises and fixed asset expenses, and other real estate owned expenses) | RIADY924 | $61K |
| Telecommunications expense | RIADF559 | $52K |
| Operating expenses communications - postage, monthly | RIAD8403 | $43K |
| Marketing and other professional services | RIAD0497 | $35K |
| Printing, stationery, and supplies | RIADC018 | $35K |
| Income and fees from automated teller machines (atms) | RIADC016 | $22K |
| Income and fees from the printing and sale of checks | RIADC013 | $16K |
| Legal expense | RIAD4141 | $10K |
| Safe deposit box rent | RIADC015 | $9K |
| Consulting and advisory expense | RIADF557 | $7K |
Industry State Bank call reports on file
Each link opens the bank's filed report on the FFIEC Central Data Repository.
Industry State Bank financial reports and ratios →
New to call reports? What a call report is, every call report code explained, and how the UBPR turns it into ratios.
Regulator records: FDIC BankFind (cert 12506) · FFIEC NIC profile (RSSD 733054)