Bank call report · Schoolcraft, MI
Kalamazoo County State Bank Call Report
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Kalamazoo County State Bank filed its latest call report for the quarter ended June 30, 2026 on the FFIEC 051. Below are its 313 reported line items, schedule by schedule (739 items filed as zero are left out). The official PDF is on the FFIEC Central Data Repository.
| Call report form | FFIEC 051 |
|---|---|
| Latest quarter filed | Q2 2026 (June 30, 2026) |
| Federal Reserve RSSD ID | 644141 |
| FDIC certificate number | 5892 |
| Total assets | $118.4M |
Official Q2 2026 call report PDF (FFIEC) →
Kalamazoo County State Bank call report by schedule, Q2 2026
Dollar amounts are as filed, in the units the form uses. Each line item links to its definition; each schedule links to the full schedule reference for the FFIEC 051.
Schedule RC: Balance Sheet (24 items)
About Schedule RC · Kalamazoo County State Bank balance sheet trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Assets | RCON2170 | $118.4M |
| Total Liabilities, Limited-life Preferred Stock, and Equity Capital | RCON3300 | $118.4M |
| Total Liabilities and Minority Interest | RCON2948 | $105.8M |
| Total Deposits | RCON2200 | $105.3M |
| Total Interest-bearing Deposits in Foreign and Domestic Offices | RCON6636 | $68.6M |
| Loans and Leases, Net of Unearned Income - Totals | RCONB528 | $61.3M |
| Loans and Leases, Net of Unearned Income and Allowance | RCONB529 | $60.7M |
| Available-for-sale debt securities (from Schedule RC-B, column D) | RCON1773 | $40.4M |
| Deposits: Noninterest-bearing | RCON6631 | $36.7M |
| Total Equity Capital | RCON3210 | $12.6M |
| Total Equity Capital Including Noncontrolling Minority Interests in Consolidated Subsidiaries | RCONG105 | $12.6M |
| Surplus | RCON3839 | $8.8M |
| Undivided Profits and Capital Reserves | RCON3632 | $5.4M |
| Other Assets | RCON2160 | $5.3M |
| Interest-bearing Balances | RCON0071 | $5.0M |
| Held to maturity securities (ASU 2016-13 adoption) | RCONJJ34 | $4.4M |
| Held-to-maturity Securities, Total | RCON1754 | $4.4M |
| Accumulated Other Comprehensive Income | RCONB530 | -$1.8M |
| Noninterest-bearing Balances and Currency and Coin | RCON0081 | $1.5M |
| Premises and Fixed Assets (Including Capitalized Leases) | RCON2145 | $1.2M |
| Allowance for Loan and Lease Losses | RCON3123 | $514K |
| Other Liabilities, Total | RCON2930 | $488K |
| Common Stock | RCON3230 | $205K |
| Investments and Unconsolidated Subsidiaries and Associated Companies | RCON2130 | $3K |
Schedule RI: Income Statement (39 items)
About Schedule RI · Kalamazoo County State Bank income statement trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Interest Income | RIAD4107 | $2.8M |
| Net Interest Income | RIAD4074 | $2.5M |
| Total Noninterest Expense | RIAD4093 | $2.2M |
| Interest and Fee Income on Loans, Total | RIAD4010 | $2.0M |
| Salaries and Employee Benefits | RIAD4135 | $1.2M |
| Interest and Fee Income on Loans Secured by 1-4 Family Residential Properties | RIAD4435 | $999K |
| Other Noninterest Expense | RIAD4092 | $784K |
| Interest and Fee Income on All Other Loans Secured by Real Estate | RIAD4436 | $522K |
| Income (Loss) Before Applicable Income Taxes and Discontinued Operations | RIAD4301 | $393K |
| 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 | $393K |
| Total Interest Expense | RIAD4073 | $364K |
| 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 | $353K |
| Income (Loss) Before Discontinued Operations | RIAD4300 | $324K |
| Net Income (Loss) | RIAD4340 | $324K |
| Net Income (Loss) Attributable to Bank and Noncontrolling Minority Interests | RIADG104 | $324K |
| Interest on Other Securities | RIAD4060 | $293K |
| Total Noninterest Income | RIAD4079 | $222K |
| Expenses of Premises and Fixed Assets | RIAD4217 | $215K |
| Interest and Dividend Income on Securities: Mortgage-backed Securities | RIADB489 | $187K |
| Interest and Fee Income on Commercial and Industrial Loans | RIAD4012 | $156K |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of 250000 or Less | RIADHK03 | $155K |
| Interest and Dividend Income on Securities: U.S. Treasury Securities and U.S. Government Agency Obligations (Excluding Mortgage-backed Securities) | RIADB488 | $153K |
| Other Noninterest Income | RIADB497 | $150K |
| Interest Income on Balances Due from Depository Institutions | RIAD4115 | $128K |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of More Than 250000 | RIADHK04 | $96K |
| Savings Deposits (Including Mmdas) | RIAD0093 | $86K |
| Applicable Income Taxes | RIAD4302 | $69K |
| Service Charges on Deposit Accounts in Domestic Offices | RIAD4080 | $50K |
| Provisions for Credit Losses on Financial Assets | RIADJJ33 | $30K |
| Provision for Loan and Lease Losses | RIAD4230 | $29K |
| Realized Gains (Losses) on Available-for-sale Debt Securities | RIAD3196 | -$25K |
| Other Interest Income | RIAD4518 | $23K |
| Interest on Transaction Accounts (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) | RIAD4508 | $22K |
| Net Gains (Losses) on Sales of Other Assets (Excluding Securities) | RIADB496 | $19K |
| Interest and Dividend Income on Tax-exempt Securities Issued by States and Political Subdivisions in the U.S. | RIAD4507 | $5K |
| Interest and Fee Income on All Other Loans in Domestic Offices | RIAD4058 | $5K |
| Other Interest Expense | RIADGW44 | $5K |
| Net Gains (Losses) on Sales of Loans | RIAD5416 | $3K |
| Number of Full Time Equivalent Employees on Payroll at End of Current Period | RIAD4150 | 34 |
Schedule RC-B: Securities (32 items)
About Schedule RC-B · Kalamazoo County State Bank securities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Amortized Cost of Available-for-sale Securities | RCON1772 | $42.6M |
| Amortized Cost of Available-for-sale Securities Issued by States and Political Subdivisions in the U.S. | RCON8498 | $13.2M |
| Fair Value of Available-for-sale Securities Issued by States and Political Subdivisions in the U.S. | RCON8499 | $12.4M |
| US government agency obligations (exclude mortgage-backed securities), Available for sale, Amortized Cost | RCONHT52 | $11.2M |
| US government agency obligations (exclude mortgage-backed securities), Available for sale, Fair Value | RCONHT53 | $10.6M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONA551 | $10.6M |
| Pledged Securities | RCON0416 | $9.6M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Five Years Through Fifteen Years | RCONA553 | $9.0M |
| Mortgage backed securities (MBS), Issued or guarnteed by FNMA, FHLMC, or GNMA, Available for sale, Amortized Cost | RCONHT56 | $8.6M |
| Mortgage backed securities (MBS), Issued or guarnteed by FNMA, FHLMC, or GNMA, Available for sale, Fair Value | RCONHT57 | $8.3M |
| Fixed Rate and Floating Rate Debt Securities with a Remaining Maturity of One Year or Less | RCONA248 | $6.3M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Years Through Five Years | RCONA552 | $6.1M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over 15 Years | RCONA560 | $5.9M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONA550 | $5.0M |
| 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 Three Months of Less | RCONA549 | $4.7M |
| Total Fair Value of Held-to-maturity Securities | RCON1771 | $4.3M |
| Mortgage-backed Securities (Mbs):commercial MBS: Commercial Mortgage Pass-through Securities:issued or Guaranteed by Fnma,fhlmc or GNMA: Available-for-sale Amortized Cost | RCONK144 | $4.1M |
| Amortized Cost of Held-to-maturity Securities Issued by States and Political Subdivisions in the U.S. | RCON8496 | $4.1M |
| Amortized Cost of Other Available-for-sale Domestic Debt Securities | RCON1739 | $4.1M |
| Fair Value of Held-to-maturity Securities Issued by States and Political Subdivisions in the U.S. | RCON8497 | $4.0M |
| Fair Value of Other Available-for-sale Domestic Debt Securities | RCON1741 | $3.9M |
| 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 | $3.8M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Five Years Through 15 Years | RCONA559 | $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 of Over Ffteen Years | RCONA554 | $1.2M |
| Amortized Cost of Available-for-sale Other Foreign Debt Securities | RCON1744 | $1.0M |
| Fair Value of Available-for-sale Other Foreign Debt Securities | RCON1746 | $911K |
| 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 | $674K |
| Amortized Cost of Available-for-sale U.S. Treasury Securities | RCON1286 | $501K |
| Fair Value of Available-for-sale U.S. Treasury Securities | RCON1287 | $500K |
| 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 | $321K |
| US government agency obligations (exclude mortgage-backed securities), Held-to-maturity, Fair Value | RCONHT51 | $291K |
| US government agency obligations (exclude mortgage-backed securities), Held-to-maturity, Amortized Cost | RCONHT50 | $290K |
Schedule RC-C, Part I: Loans and Leases (32 items)
About Schedule RC-C, Part I · Kalamazoo County State Bank loans and leases trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Loans and Leases, Net of Unearned Income | RCON2122 | $61.3M |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by First Liens | RCON5367 | $28.5M |
| Pledged Loans and Leases | RCONG378 | $28.4M |
| 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 15 Years | RCONA569 | $13.2M |
| Adjustable Rate Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties | RCON5370 | $9.4M |
| Automobile Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper) | RCONK137 | $8.8M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Years Through Five Years | RCONA573 | $8.4M |
| 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 One Year Through Three Years | RCONA572 | $7.8M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Five Years Through 15 Years | RCONA574 | $7.3M |
| Fixed Rate and Floating Rate Loans and Leases with a Remaining Maturity of One Year or Less | RCONA247 | $6.4M |
| 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 | $6.0M |
| 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 Five Years Through 15 Years | RCONA568 | $5.7M |
| Loans Secured by 1-4 Family Residential Construction | RCONF158 | $4.7M |
| Commercial and Industrial Loans | RCON1766 | $4.6M |
| 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 One Year Through Three Years | RCONA566 | $4.2M |
| Loans Secured by Owner Occupied Nonfarm Nonresidential Properties | RCONF160 | $3.8M |
| 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 Months Through 12 Months | RCONA571 | $3.0M |
| 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 Three Months Through 12 Months | RCONA565 | $3.0M |
| Loans Secured by Other Nonfarm Nonresidential Properties. | RCONF161 | $2.9M |
| Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit | RCON1797 | $2.4M |
| 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 Three Years Through Five Years | RCONA567 | $1.9M |
| Loans Secured by Other Construction Loans and All Land Development and Other Land Loans | RCONF159 | $1.6M |
| Real Estate Loans Secured by Farmland | RCON1420 | $1.3M |
| Real Estate Loans Secured by Multi-family (5 or More) Residential Properties | RCON1460 | $1.3M |
| Other Consumer Loans to Individuals for Household, Family, and Other Personal Expenditures (Includes Single Payment, Installment, and All Student Loans) | RCONK207 | $778K |
| 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 | $412K |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by Junior Liens | RCON5368 | $393K |
| 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 | $208K |
| Loans to Finance Agricultural Production and Other Loans to Farmers | RCON1590 | $106K |
| Other Loans | RCONJ464 | $48K |
| Revolving, open-end lines of credit secured by 1-4 family residential properties that have converted to non-revolving closed-end status that are included in item 1.c(1) above | RCONLE75 | $21K |
| Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper): Other Revolving Credit Plans | RCONB539 | $12K |
Schedule RC-C, Part II: Loans to Small Businesses and Small Farms (20 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5569 | $4.7M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5571 | $2.1M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5573 | $1.6M |
| 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 | $1.4M |
| 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 | $854K |
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5565 | $611K |
| 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 | $500K |
| 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 | $77K |
| 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 | $74K |
| 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 | $32K |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5570 | 65 |
| 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 | 20 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5566 | 14 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5564 | 12 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5568 | 12 |
| 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 | 2 |
| 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 | 2 |
| Number of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5584 | 2 |
| Number of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5578 | 1 |
| 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 | 1 |
Schedule RC-E: Deposit Liabilities (23 items)
About Schedule RC-E · Kalamazoo County State Bank deposit liabilities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Transaction Accounts | RCON2215 | $54.2M |
| Total Nontransaction Accounts (Including Mmda's) | RCON2385 | $51.1M |
| Total Nontransaction Accounts Deposits of Individuals, Partnerships, and Corporations | RCONB550 | $48.3M |
| Total Transaction Accounts - Deposits of Individuals, Partnerships, and Corporation | RCONB549 | $44.7M |
| Total Demand Deposits (See Note Below) | RCON2210 | $38.0M |
| Other Nontransaction Savings Deposits (Excludes Mmda's) | RCON0352 | $27.1M |
| Total Transaction Accounts - Deposits of States and Political Subdivisions in the U.S. | RCON2203 | $9.5M |
| Time Deposits of 250000 or Less with a Remaining Maturity of One Year or Less | RCONHK11 | $7.8M |
| Money Market Deposit Accounts (Mmda's) | RCON6810 | $7.8M |
| Components of Total Nontransaction Accounts: Total Time Deposits of More Than $250,000 | RCONJ474 | $6.2M |
| Total Time Deposits of Less Than $100,000 | RCON6648 | $5.5M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONHK08 | $5.2M |
| Time Deposits of More Than $250,000 with a Remaining Maturity of One or Year Less | RCONK222 | $4.8M |
| Components of Total Nontransaction Accounts: Total Time Deposits of $100,000 Through $250,000 | RCONJ473 | $4.5M |
| 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 Three Months or Less | RCONHK12 | $3.2M |
| Total Nontransaction Accounts of States and Political Subdivisions in the U.S. | RCON2530 | $2.8M |
| 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 Three Months or Less | RCONHK07 | $2.6M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONHK13 | $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 One Year Through Three Years | RCONHK09 | $2.1M |
| All Time and Savings Deposits Held in IRA and Keogh Plan Accounts | RCON6835 | $1.9M |
| Individual Retirement Accounts (Iras) and Keogh Plan Accounts Included in Memorandum Item 2.C, 'Total Time Deposits of $100,000 or More,' Above | RCONF233 | $1.3M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONHK14 | $350K |
| 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 | $99K |
Schedule RC-F: Other Assets (6 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Life Insurance Assets: General Account Life Insurance Assets | RCONK201 | $3.4M |
| Historical Cost of All Other Available-for-sale Equity Securities | RCON1752 | $733K |
| Net Deferred Tax Assets | RCON2148 | $561K |
| Accrued Interest Receivable | RCONB556 | $478K |
| Other Assets | RCON2168 | $152K |
| Prepaid Expenses | RCON2166 | $151K |
Schedule RC-G: Other Liabilities (6 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| All Other Liabilities | RCON2938 | $356K |
| Accounts Payable | RCON3066 | $199K |
| Operating lease liabilities | RCONLB56 | $157K |
| Interest Accrued and Unpaid on Deposits (in Domestic Offices) | RCON3645 | $68K |
| Other Expenses Accrued and Unpaid | RCON3646 | $50K |
| Allowance for Credit Losses on Off-balance Sheet Credit Exposures | RCONB557 | $14K |
Schedule RC-K: Quarterly Averages (15 items)
About Schedule RC-K · Kalamazoo County State Bank quarterly averages trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Quarterly Average of Total Assets | RCON3368 | $119.6M |
| Quarterly Average of Total Loans | RCON3360 | $59.9M |
| Nontransaction Accounts in Domestic Offices: Savings Deposits | RCONB563 | $35.3M |
| Quarterly Average of Loans Secured by 1-4 Family Residential Properties | RCON3465 | $29.7M |
| All Other Securities | RCONB560 | $26.5M |
| Transaction Accounts (in Domestic Offices) (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) - Quarterly Average | RCON3485 | $16.9M |
| Mortgage-backed Securities | RCONB559 | $13.0M |
| U.S. Treasury Securities and U.S. Government Agency Obligations (Excluding Mortgage-backed Securities) | RCONB558 | $12.4M |
| Quarterly Average of All Other Loans Secured by Real Estate | RCON3466 | $12.4M |
| Liabilities, Nontransaction Accounts, Time Deposits of 250000 or Less | RCONHK16 | $10.4M |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Other | RCONB562 | $10.0M |
| Liabilities, Nontransaction Accounts, Time Deposits of More Than 250000 | RCONHK17 | $6.0M |
| Quarterly Average of Interest-bearing Balances Due from Depository Institutions | RCON3381 | $5.0M |
| Quarterly Average of Commercial and Industrial Loans | RCON3387 | $4.4M |
| Quarterly Average of Federal Funds Purchased and Securities Sold Under Agreements to Repurchase | RCON3353 | $533K |
Schedule RC-L: Derivatives and Off-Balance-Sheet Items (5 items)
About Schedule RC-L · Kalamazoo County State Bank derivatives and off-balance-sheet items trends
| Line item | Code | Q2 2026 |
|---|---|---|
| 1-4 Family Residential Construction Loan Commitments | RCONF164 | $4.5M |
| Unused Commitments - Revolving, Open-end Lines Secured by 1-4 Family Residential Properties | RCON3814 | $2.6M |
| Commercial Real Estate, Other Construction Loan and Land Development Loan Commitments | RCONF165 | $2.0M |
| Other Unused Commitments: Commercial and Industrial Loans | RCONJ457 | $617K |
| Other Unused Commitments: All Other Unused Commitments | RCONJ459 | $489K |
Schedule RC-M: Memoranda (1 item)
About Schedule RC-M · Kalamazoo County State Bank memoranda trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Aggregate Amount of All Extensions of Credit to All Executive Officers, Directors, Principal Shareholders, and Their Related Interests | RCON6164 | $590K |
Schedule RC-N: Past Due and Nonaccrual Loans, Leases, and Other Assets (15 items)
About Schedule RC-N · Kalamazoo County State Bank past due and nonaccrual loans, leases, and other assets trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Loans and Lease Financing Receivables: Past Due 30-89 Days and Still Accruing | RCON1406 | $1.3M |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens-past Due 30 Thru 89 Days and Still Accruing | RCONC236 | $547K |
| Loans Secured by Owner-occupied Nonfarm Nonresidential Properties, 30-89 Days Past Due | RCONF178 | $505K |
| 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 | $217K |
| Additions to Nonaccrual Assets | RCONC410 | $212K |
| Total Loans and Lease Finance Receivables: Nonaccrual | RCON1403 | $200K |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Automobile Loans - Past Due 30 Through 89 Days and Still Accruing | RCONK213 | $198K |
| Guaranteed Portion of Loans and Leases Included in Item 10, Excluding Rebooked 'Gnma Loans' Past Due 30 Through 89 Days and Still Accruing | RCONK039 | $172K |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens-nonaccural | RCONC229 | $137K |
| Nonaccrual Assets Sold During the Quarter | RCONC411 | $136K |
| Itemize Loan Modifications to Borrowers Experiencing Financial Difficulty Automobile Loans to Individuals for Household, Family, and Other Personal Expenditures: Past Due 30 Through 89 Days and Still Accruing | RCONK277 | $67K |
| Loan Modifications to Borrowers Experiencing Financial Difficulty: All Other Loans - Past Due 30 Through 89 Days and Still Accruing | RCONK126 | $67K |
| 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 | $67K |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Automobile Loans - Nonaccrual | RCONK215 | $63K |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Other - Past Due 30 Through 89 Days and Still Accruing | RCONK216 | $17K |
Schedule RC-O: Other Data for Deposit Insurance Assessments (12 items)
About Schedule RC-O · Kalamazoo County State Bank other data for deposit insurance assessments trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average Consolidated Total Assets for the Calendar Quarter | RCONK652 | $119.6M |
| Total Deposit Liabilities as Defined in Section 3(1) of the Federal Deposit Insurance Act Before Exclusions | RCONF236 | $105.4M |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of $250,000 or Less | RCONF049 | $71.6M |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF051 | $31.9M |
| Average Tangible Equity for the Calendar Quarter | RCONK654 | $14.1M |
| Amount of Retirement Deposit Accounts of More Than $250,000 | RCONF047 | $1.0M |
| Amount of Retirement Deposits Accounts of $250,000 or Less | RCONF045 | $891K |
| Number of Deposit Accounts (Excluding Retirement Accounts)of $250,000 or Less | RCONF050 | 4,385 |
| Number of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF052 | 63 |
| Number of Retirement Deposit Accounts of $250,000 or Less | RCONF046 | 54 |
| Averaging Method Used | RCONK653 | 1 |
| Number of Retirement Deposit Accounts of More Than $250,000 | RCONF048 | 1 |
Schedule RC-R: Regulatory Capital (1 item)
About Schedule RC-R · Kalamazoo County State Bank regulatory capital trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Risk-weighted Assets Before Deductions for Excess Allowance for Loan and Lease Losses and Allocated Transfer Risk Reserve - 100% | RCONB704 | $71.0M |
Schedule RC-R, Part I: Regulatory Capital Components and Ratios (21 items)
About Schedule RC-R, Part I · Kalamazoo County State Bank regulatory capital components and ratios trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average Total Assets (Net of Deductions) | RCOAA224 | $119.6M |
| Average total consolidated assets | RCOAKW03 | $119.6M |
| Risk-weighted Assets (Net of Allowances and Other Deductions) | RCOAA223 | $71.0M |
| Total Qualifying Capital Allowable Under the Risk-based Capital Guidelines | RCOA3792 | $15.0M |
| Common Equity Tier 1 Capital | RCOAP859 | $14.4M |
| Subtotal of Common Equity Tier 1 Capital: Adjustments and Deductions | RCOAP852 | $14.4M |
| Tier 1 Capital Allowable Under the Risk-based Capital Guidelines | RCOA8274 | $14.4M |
| Common Equity Tier 1 Capital Before Adjustments and Deductions | RCOAP840 | $12.6M |
| Common Equity Tier 1 Capital: Common Stock Plus Related Surplus, Net of Treasury Stock and Unearned Employee Stock Ownership Plan (ESOP) Shares | RCOAP742 | $9.0M |
| Retained Earnings | RCOAKW00 | $5.4M |
| Accumulated Other Comprehensive Income | RCOAB530 | -$1.8M |
| 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 | -$1.8M |
| General Loan and Lease Valuation Allowances | RCOA5310 | $528K |
| Tier 2 (Supplementary) Capital | RCOA5311 | $528K |
| Tier 2 Capital Before Deductions | RCOAP870 | $528K |
| A. AOCI Opt-out Election (Enter '1' for Yes, Enter '0' for No.) | RCOAP838 | 1 |
| Total Risk-based Capital Ratio | RCOA7205 | 0.2109 |
| Common Equity Tier 1 Capital Ratio | RCOAP793 | 0.2034 |
| Tier 1 Risk-based Capital Ratio | RCOA7206 | 0.2034 |
| Institution-specific Capital Buffer Necessary to Avoid Limitations on Distributions and Discretionary Bonus Payments: Capital Conservation Buffer | RCOAH311 | 0.1309 |
| Tier 1 Leverage Capital Ratio | RCOA7204 | 0.1208 |
Schedule RC-R, Part II: Risk-Weighted Assets (48 items)
About Schedule RC-R, Part II · Kalamazoo County State Bank 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 | $71.0M |
| Total Risk-weighted Assets | RCONG641 | $71.0M |
| Risk-weighted Assets by Risk-weighted Category - 100 Pct Risk Weight Category | RCONG637 | $47.0M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 100 Pct Risk Weight Category | RCONG633 | $47.0M |
| Total Balance Sheet Assets - 100 Pct Risk Weight Category | RCOND990 | $42.7M |
| Available-for-sale debt securities and equity securities with readily determinable fair values not held for trading purposes, Total Fair Value | RCONJA21 | $40.4M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 20 Pct Risk Weight Category | RCONG631 | $34.8M |
| Total Balance Sheet Assets - 20 Pct Risk Weight Category | RCOND988 | $34.8M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 50 Pct Risk Weight Category | RCONG632 | $33.8M |
| Total Balance Sheet Assets - 50 Pct Risk Weight Category | RCOND989 | $33.8M |
| Available-for-sale Securities - 20 Pct Risk Weight Category | RCOND968 | $31.9M |
| Total Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures | RCONS439 | $30.8M |
| Total Loans and Leases, Net of Unearned Income, All Other Exposures | RCONS457 | $30.4M |
| Loans and Leases, Net of Unearned Income, All Other Exposures - 100 Pct Risk Weight Category | RCONS462 | $30.2M |
| Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures - 50 Pct Risk Weight Category | RCONS442 | $29.6M |
| Risk-weighted Assets by Risk-weighted Category - 50 Pct Risk Weight Category | RCONG636 | $16.9M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 0 Pct Risk Weight Category | RCONG630 | $9.9M |
| Total Balance Sheet Assets - 0 Pct Risk Weight Category | RCOND987 | $9.9M |
| Unused Commitments, Original Maturity Exceeding One Year - Face, Notional, or Other Amount | RCONG624 | $7.7M |
| Risk-weighted Assets by Risk-weighted Category - 20 Pct Risk Weight Category | RCONG635 | $7.0M |
| Total All Other Assets | RCOND981 | $6.5M |
| Total Cash and Balances Due from Depository Institutions | RCOND957 | $6.5M |
| Cash and Balances Due from Depository Institutions - 0 Pct Risk Weight Category | RCOND958 | $6.2M |
| All Other Assets - 100 Pct Risk Weight Category | RCOND985 | $5.9M |
| Available-for-sale Securities - 100 Pct Risk Weight Category | RCOND970 | $5.5M |
| Total Held-to-maturity Securities | RCOND961 | $4.4M |
| Unused Commitments, Original Maturity Exceeding One Year - 100 Pct Risk Weight Category | RCONG629 | $3.8M |
| Unused Commitments, Original Maturity Exceeding One Year - Credit Equivalent Amount | RCONG625 | $3.8M |
| Available-for-sale Securities - 0 Pct Risk Weight Category | RCOND967 | $3.4M |
| Total Balance Sheet Assets - Adjustments to Total Reported in Column a | RCONS500 | -$2.8M |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, Face, Notional or Other Amount | RCONS525 | $2.5M |
| Available-for-sale Securities - Adjustment to Totals Reported in Column a | RCONS402 | -$2.3M |
| Held-to-maturity Securities - 50 Pct Risk Weight Category | RCOND964 | $2.3M |
| Available-for-sale Securities - 50 Pct Risk Weight Category | RCOND969 | $1.9M |
| Held-to-maturity Securities - 20 Pct Risk Weight Category | RCOND963 | $1.8M |
| Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures - 100 Pct Risk Weight Category | RCONS443 | $1.2M |
| All Other Assets - 20 Pct Risk Weight Category | RCOND983 | $675K |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, 100% | RCONS530 | $504K |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, Credit Equivalent Amount | RCONS526 | $504K |
| Held-to-maturity Securities - 0 Pct Risk Weight Category | RCOND962 | $290K |
| Cash and Balances Due from Depository Institutions - 20 Pct Risk Weight Category | RCOND959 | $260K |
| Loans and Leases, Net of Unearned Income, All Other Exposures - 20 Pct Risk Weight Category | RCONS460 | $172K |
| Risk-weighted Assets by Risk-weighted Category - 150 Pct Risk Weight Category | RCONS572 | $95K |
| Loans and Leases, Net of Unearned Income, Exposures Past Due 90 Days or More or on Nonaccrual - 150 Pct Risk Weight Category | RCONS455 | $63K |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 150 Pct Risk Weight Category | RCONS561 | $63K |
| Total Balance Sheet Assets - 150 Pct Risk Weight Category | RCONS503 | $63K |
| Total Loans and Leases, Net of Unearned Income, Exposures Past Due 90 Days or More or on Nonaccrual | RCONS449 | $63K |
| Loans and Leases, Net of Unearned Income, All Other Exposures - 0 Pct Risk Weight Category | RCONS459 | $30K |
Schedule RI-A: Changes in Bank Equity Capital (4 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Equity Capital | RIAD3210 | $12.6M |
| Balance End of Previous Calendar Year as Restated | RIADB508 | $12.4M |
| Equity Capital, Most Recently Reported for the End of Previous Calendar Year (I.e., After Adjustments from Amended Reports of Income) | RIAD3217 | $12.4M |
| Other Comprehensive Income | RIADB511 | -$129K |
Schedule RI-B, Part I: Charge-offs and Recoveries on Loans and Leases (5 items)
About Schedule RI-B, Part I · Kalamazoo County State Bank charge-offs and recoveries on loans and leases trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Charge-offs on Allowance for Loan and Lease Losses | RIAD4635 | $28K |
| Charge-offs on Automobile Loans | RIADK129 | $22K |
| Charge-offs All Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADK205 | $6K |
| Recoveries All Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADK206 | $3K |
| Recoveries on Allowance for Loan and Lease Losses | RIAD4605 | $3K |
Schedule RI-B, Part II: Changes in Allowances for Credit Losses (4 items)
About Schedule RI-B, Part II · Kalamazoo County State Bank changes in allowances for credit losses trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Allowance for Loan and Lease Losses | RIAD3123 | $514K |
| Balance Most Recently Reported for the December 31, 2000, Reports of Condition and Income(i.e., After Adjustments from Amended Report of Income) | RIADB522 | $510K |
| Charge-offs on Allowance for Loan and Lease Losses | RIADC079 | $28K |
| Provisions for credit losses on off-balance-sheet exposures | RIADMG93 | $1K |
Kalamazoo County State Bank call reports on file
Each link opens the bank's filed report on the FFIEC Central Data Repository.
- Q2 2026 call report (quarter ended June 30, 2026)
- Q1 2026 call report (quarter ended March 31, 2026)
- Q4 2025 call report (quarter ended December 31, 2025)
- Q3 2025 call report (quarter ended September 30, 2025)
- Q2 2025 call report (quarter ended June 30, 2025)
- Q1 2025 call report (quarter ended March 31, 2025)
Where can I find the Kalamazoo County State Bank call report?
The Kalamazoo County State Bank call report for the quarter ended June 30, 2026 is on this page, schedule by schedule. The official PDF is on the FFIEC Central Data Repository, linked here for every quarter on file. Call reports are public: anyone can read or download them without an account.
Which call report form does Kalamazoo County State Bank file?
Kalamazoo County State Bank files the FFIEC 051. The FFIEC 031 is for banks with foreign offices, the FFIEC 041 for banks with domestic offices only, and the FFIEC 051 is the streamlined form most domestic banks under $5 billion in total assets may file.
What is the Kalamazoo County State Bank call report number?
A call report has no number of its own. It is filed and looked up by the bank's identifiers: Kalamazoo County State Bank has Federal Reserve RSSD ID 644141 and FDIC certificate number 5892. Either one finds its filings on the FFIEC Central Data Repository.
How often does Kalamazoo County State Bank file a call report?
Every quarter, as of March 31, June 30, September 30 and December 31. The report is due 30 calendar days after the quarter ends, or 35 days for a bank with more than one foreign office.
Kalamazoo County 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 5892) · FFIEC NIC profile (RSSD 644141)