Bank call report · Lemont, IL
The Lemont National Bank Call Report
Filed for the quarter ended (Q4 2025) on the FFIEC 041. Source: FFIEC Central Data Repository.
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The Lemont National Bank filed its latest call report for the quarter ended December 31, 2025 on the FFIEC 041. Below are its 197 reported line items, schedule by schedule (1,000 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 The Lemont National Bank; it has not filed for the most recent published quarter.
| Call report form | FFIEC 041 |
|---|---|
| Latest quarter filed | Q4 2025 (December 31, 2025) |
| Federal Reserve RSSD ID | 480330 |
| FDIC certificate number | 3693 |
| Total assets | $49.1M |
Official Q4 2025 call report PDF (FFIEC) →
The Lemont National Bank call report by schedule, Q4 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 (23 items)
About Schedule RC · The Lemont National Bank balance sheet trends
| Line item | Code | Q4 2025 |
|---|---|---|
| Total assets | RCON2170 | $49.1M |
| Total liabilities, limited-life preferred stock, and equity capital | RCON3300 | $49.1M |
| Total liabilities and minority interest | RCON2948 | $47.8M |
| Total deposits | RCON2200 | $46.8M |
| Held to maturity securities (ASU 2016-13 adoption) | RCONJJ34 | $36.6M |
| Held-to-maturity securities, total | RCON1754 | $36.6M |
| Total interest-bearing deposits in foreign and domestic offices | RCON6636 | $32.5M |
| Deposits, noninterest-bearing | RCON6631 | $14.3M |
| Loans and leases, net of unearned income - totals | RCONB528 | $4.2M |
| Loans and leases, net of unearned income and allowance | RCONB529 | $4.2M |
| Interest-bearing balances | RCON0071 | $3.8M |
| Premises and fixed assets (including capitalized leases) | RCON2145 | $2.3M |
| Total equity capital | RCON3210 | $1.3M |
| Total equity capital including noncontrolling minority interests in consolidated subsidiaries | RCONG105 | $1.3M |
| Other liabilities, total | RCON2930 | $1.0M |
| Other real estate owned | RCON2150 | $852K |
| Noninterest-bearing balances and currency and coin | RCON0081 | $740K |
| Other assets | RCON2160 | $624K |
| Surplus | RCON3839 | $435K |
| Common stock | RCON3230 | $420K |
| Undivided profits and capital reserves | RCON3632 | $386K |
| Accumulated other comprehensive income | RCONB530 | $57K |
| Allowance for loan and lease losses | RCON3123 | $18K |
Schedule RI: Income Statement (30 items)
About Schedule RI · The Lemont National Bank income statement trends
| Line item | Code | Q4 2025 |
|---|---|---|
| Total noninterest expense | RIAD4093 | $2.4M |
| Income (loss) before discontinued operations | RIAD4300 | -$2.0M |
| Net income (loss) | RIAD4340 | -$2.0M |
| Net income (loss) attributable to bank and noncontrolling minority interests | RIADG104 | -$2.0M |
| Income (loss) before applicable income taxes and discontinued operations | RIAD4301 | -$1.6M |
| 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 | -$1.6M |
| Other noninterest expense | RIAD4092 | $1.4M |
| Total interest income | RIAD4107 | $1.3M |
| Interest and dividend income on securities, mortgage-backed securities | RIADB489 | $924K |
| Net interest income | RIAD4074 | $798K |
| Salaries and employee benefits | RIAD4135 | $729K |
| Total interest expense | RIAD4073 | $470K |
| Applicable income taxes | RIAD4302 | $434K |
| Expenses of premises and fixed assets | RIAD4217 | $341K |
| Interest expense, interest on deposits, nontransaction accounts, time deposits of 250000 or less | RIADHK03 | $327K |
| Interest income on balances due from depository institutions | RIAD4115 | $165K |
| Interest and fee income on loans, total | RIAD4010 | $164K |
| Interest and fee income on loans secured by 1-4 family residential properties | RIAD4435 | $157K |
| Interest on trading liabilities and other borrowed money | RIAD4185 | $79K |
| Interest expense, interest on deposits, nontransaction accounts, time deposits of more than 250000 | RIADHK04 | $60K |
| Total noninterest income | RIAD4079 | $54K |
| Other noninterest income | RIADB497 | $27K |
| Service charges on deposit accounts in domestic offices | RIAD4080 | $27K |
| Provision for loan and lease losses | RIAD4230 | -$18K |
| Provisions for credit losses on financial assets | RIADJJ33 | -$18K |
| Other interest income | RIAD4518 | $15K |
| Interest and fee income on all other loans secured by real estate | RIAD4436 | $7K |
| Savings deposits (including mmdas) | RIAD0093 | $3K |
| Interest on transaction accounts (NOW accounts, ats accounts, and telephone and preauthorized transfer accounts) | RIAD4508 | $1K |
| Number of full time equivalent employees on payroll at end of current period | RIAD4150 | 10 |
Schedule RC-B: Securities (3 items)
About Schedule RC-B · The Lemont National Bank securities trends
| Line item | Code | Q4 2025 |
|---|---|---|
| Mortgage-backed securities (MBS), residential pass-through securities, guaranteed by GNMA, held-to-maturity amortized cost | RCONG300 | $880K |
| Mortgage-backed securities (MBS), residential pass-through securities, issued by FNMA and FHLMC, held-to-maturity amortized cost | RCONG304 | $35.7M |
| 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 | $36.6M |
Schedule RC-C, Part I: Loans and Leases (8 items)
About Schedule RC-C, Part I · The Lemont National Bank loans and leases trends
| Line item | Code | Q4 2025 |
|---|---|---|
| Total loans and leases, net of unearned income | RCON2122 | $4.2M |
| All other loans secured by 1-4 family residential properties, secured by first liens | RCON5367 | $3.9M |
| 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 15 years | RCONA569 | $3.9M |
| Revolving, open-end loans secured by 1-4 family residential properties and extended under lines of credit | RCON1797 | $257K |
| 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 | $208K |
| Fixed rate and floating rate loans and leases with a remaining maturity of one year or less | RCONA247 | $132K |
| Loans secured by other nonfarm nonresidential properties. | RCONF161 | $53K |
| 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 | $46K |
Schedule RC-C, Part II: Loans to Small Businesses and Small Farms (2 items)
| Line item | Code | Q4 2025 |
|---|---|---|
| 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 | $53K |
| Number of loans secured by nonfarm nonresidential properties (in domestic offices) with original amounts of more than $100,000 through $250,000 | RCON5566 | 1 |
Schedule RC-E: Deposit Liabilities (23 items)
About Schedule RC-E · The Lemont National Bank deposit liabilities trends
| Line item | Code | Q4 2025 |
|---|---|---|
| Total nontransaction accounts (including mmda's) | RCON2385 | $26.8M |
| Total nontransaction accounts deposits of individuals, partnerships, and corporations | RCONB550 | $26.8M |
| Total transaction accounts | RCON2215 | $20.0M |
| Total transaction accounts - deposits of individuals, partnerships, and corporation | RCONB549 | $16.8M |
| Total demand deposits (see note below) | RCON2210 | $14.3M |
| Other nontransaction savings deposits (excludes mmda's) | RCON0352 | $13.8M |
| Time deposits of 250000 or less with a remaining maturity of one year or less | RCONHK11 | $8.5M |
| 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 | $6.7M |
| Total time deposits of less than $100,000 | RCON6648 | $5.1M |
| Components of total nontransaction accounts, total time deposits of $100,000 through $250,000 | RCONJ473 | $5.1M |
| Total transaction accounts - deposits of states and political subdivisions in the U.S. | RCON2203 | $3.2M |
| Preferred deposits | RCON5590 | $3.2M |
| 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 | $1.9M |
| Components of total nontransaction accounts, total time deposits of more than $250,000 | RCONJ474 | $1.8M |
| 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 | $1.6M |
| Time deposits of more than $250,000 with a remaining maturity of one or year less | RCONK222 | $1.5M |
| All time and savings deposits held in IRA and keogh plan accounts | RCON6835 | $1.3M |
| Money market deposit accounts (mmda's) | RCON6810 | $998K |
| 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 | $786K |
| 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 | $762K |
| Individual retirement accounts (iras) and keogh plan accounts included in memorandum item 2.C, 'total time deposits of $100,000 or more,' above | RCONF233 | $607K |
| 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 | $277K |
| 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 | $33K |
Schedule RC-F: Other Assets (5 items)
Schedule RC-G: Other Liabilities (3 items)
Schedule RC-K: Quarterly Averages (8 items)
About Schedule RC-K · The Lemont National Bank quarterly averages trends
| Line item | Code | Q4 2025 |
|---|---|---|
| Quarterly average of total assets | RCON3368 | $49.3M |
| Mortgage-backed securities | RCONB559 | $37.0M |
| Nontransaction accounts in domestic offices, savings deposits | RCONB563 | $15.2M |
| Transaction accounts (in domestic offices) (NOW accounts, ats accounts, and telephone and preauthorized transfer accounts) - quarterly average | RCON3485 | $4.9M |
| Quarterly average of total loans | RCON3360 | $4.4M |
| Quarterly average of loans secured by 1-4 family residential properties | RCON3465 | $4.3M |
| Quarterly average of interest-bearing balances due from depository institutions | RCON3381 | $3.5M |
| Quarterly average of all other loans secured by real estate | RCON3466 | $55K |
Schedule RC-L: Derivatives and Off-Balance-Sheet Items (1 item)
About Schedule RC-L · The Lemont National Bank derivatives and off-balance-sheet items trends
| Line item | Code | Q4 2025 |
|---|---|---|
| Unused commitments - revolving, open-end lines secured by 1-4 family residential properties | RCON3814 | $808K |
Schedule RC-M: Memoranda (3 items)
About Schedule RC-M · The Lemont National Bank memoranda trends
| Line item | Code | Q4 2025 |
|---|---|---|
| Aggregate amount of all extensions of credit to all executive officers, directors, principal shareholders, and their related interests | RCON6164 | $923K |
| All other real estate owned, nonfarm nonresidential properties in domestic offices | RCON5512 | $852K |
| Number of executive officers, directors, and principal shareholders to whom the amount of all extensions of credit by the reporting bank (including extensions of credit to related interests) equals or exceeds the lesser of $500,000 or 5 percent of total capital as defined for this purpose in agency regulations | RCON6165 | 2 |
Schedule RC-O: Other Data for Deposit Insurance Assessments (12 items)
About Schedule RC-O · The Lemont National Bank other data for deposit insurance assessments trends
| Line item | Code | Q4 2025 |
|---|---|---|
| Average consolidated total assets for the calendar quarter | RCONK652 | $49.3M |
| Total deposit liabilities as defined in section 3(1) of the federal deposit insurance act before exclusions | RCONF236 | $46.9M |
| Amount of deposit accounts (excluding retirement accounts) of $250,000 or less | RCONF049 | $33.9M |
| Amount of deposit accounts (excluding retirement accounts) of more than $250,000 | RCONF051 | $11.8M |
| Average tangible equity for the calendar quarter | RCONK654 | $2.8M |
| Amount of retirement deposits accounts of $250,000 or less | RCONF045 | $946K |
| Amount of retirement deposit accounts of more than $250,000 | RCONF047 | $279K |
| Number of deposit accounts (excluding retirement accounts)of $250,000 or less | RCONF050 | 1,710 |
| Number of retirement deposit accounts of $250,000 or less | RCONF046 | 44 |
| Number of deposit accounts (excluding retirement accounts) of more than $250,000 | RCONF052 | 23 |
| 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 · The Lemont National Bank regulatory capital trends
| Line item | Code | Q4 2025 |
|---|---|---|
| Risk-weighted assets before deductions for excess allowance for loan and lease losses and allocated transfer risk reserve - 100% | RCONB704 | $13.3M |
Schedule RC-R, Part I: Regulatory Capital Components and Ratios (22 items)
About Schedule RC-R, Part I · The Lemont National Bank regulatory capital components and ratios trends
| Line item | Code | Q4 2025 |
|---|---|---|
| Average total consolidated assets | RCOAKW03 | $49.3M |
| Average total assets (net of deductions) | RCOAA224 | $49.0M |
| Risk-weighted assets (net of allowances and other deductions) | RCOAA223 | $13.3M |
| Common equity tier 1 capital before adjustments and deductions | RCOAP840 | $1.3M |
| Total qualifying capital allowable under the risk-based capital guidelines | RCOA3792 | $1.0M |
| Common equity tier 1 capital | RCOAP859 | $1.0M |
| Subtotal of common equity tier 1 capital, adjustments and deductions | RCOAP852 | $1.0M |
| Tier 1 capital allowable under the risk-based capital guidelines | RCOA8274 | $1.0M |
| Common equity tier 1 capital, common stock plus related surplus, net of treasury stock and unearned employee stock ownership plan (ESOP) shares | RCOAP742 | $855K |
| Retained Earnings | RCOAKW00 | $386K |
| 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 | $235K |
| 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 | $235K |
| Accumulated other comprehensive income | RCOAB530 | $57K |
| Less, net unrealized gains (losses) on held-to-maturity securities that are included in AOCI (if a gain, report as a positive value, if a loss, report as a negative value) | RCOAP848 | $57K |
| General loan and lease valuation allowances | RCOA5310 | $18K |
| Tier 2 (supplementary) capital | RCOA5311 | $18K |
| Tier 2 capital before deductions | RCOAP870 | $18K |
| A. AOCI opt-out election (enter '1' for yes, enter '0' for no.) | RCOAP838 | 1 |
| Total risk-based capital ratio | RCOA7205 | 0.077 |
| Common equity tier 1 capital ratio | RCOAP793 | 0.0756 |
| Tier 1 risk-based capital ratio | RCOA7206 | 0.0756 |
| Tier 1 leverage capital ratio | RCOA7204 | 0.0205 |
Schedule RC-R, Part II: Risk-Weighted Assets (33 items)
About Schedule RC-R, Part II · The Lemont National Bank risk-weighted assets trends
| Line item | Code | Q4 2025 |
|---|---|---|
| Total assets, derivatives, off-balance sheet items and other items subjet to risk weighting by risk-weighted category - 20 pct risk weight category | RCONG631 | $37.7M |
| Total balance sheet assets - 20 pct risk weight category | RCOND988 | $37.7M |
| Total held-to-maturity securities | RCOND961 | $36.6M |
| Held-to-maturity securities - 20 pct risk weight category | RCOND963 | $35.7M |
| Risk-weighted assets for purposes of calculating the allowance for loan and lease losses 1.25 percent threshold | RCONS580 | $13.3M |
| Total risk-weighted assets | RCONG641 | $13.3M |
| Risk-weighted assets by risk-weighted category - 20 pct risk weight category | RCONG635 | $7.5M |
| Total assets, derivatives, off-balance sheet items and other items subjet to risk weighting by risk-weighted category - 50 pct risk weight category | RCONG632 | $4.7M |
| Total cash and balances due from depository institutions | RCOND957 | $4.5M |
| Total balance sheet assets - 50 pct risk weight category | RCOND989 | $4.3M |
| Loans and leases, net of unearned income, residential mortgage exposures - 50 pct risk weight category | RCONS442 | $4.3M |
| Total loans and leases, net of unearned income, residential mortgage exposures | RCONS439 | $4.3M |
| Total all other assets | RCOND981 | $3.8M |
| Total assets, derivatives, off-balance sheet items and other items subjet to risk weighting by risk-weighted category - 0 pct risk weight category | RCONG630 | $3.7M |
| Total balance sheet assets - 0 pct risk weight category | RCOND987 | $3.7M |
| All other assets - 100 pct risk weight category | RCOND985 | $3.5M |
| Risk-weighted assets by risk-weighted category - 100 pct risk weight category | RCONG637 | $3.4M |
| Total assets, derivatives, off-balance sheet items and other items subjet to risk weighting by risk-weighted category - 100 pct risk weight category | RCONG633 | $3.4M |
| Total balance sheet assets - 100 pct risk weight category | RCOND990 | $3.4M |
| Cash and balances due from depository institutions - 0 pct risk weight category | RCOND958 | $2.8M |
| Risk-weighted assets by risk-weighted category - 50 pct risk weight category | RCONG636 | $2.3M |
| Cash and balances due from depository institutions - 20 pct risk weight category | RCOND959 | $1.7M |
| Held-to-maturity securities - 0 pct risk weight category | RCOND962 | $842K |
| Unused commitments, original maturity exceeding one year - face, notional, or other amount | RCONG624 | $808K |
| Unused commitments, original maturity exceeding one year - 50 pct risk weight category | RCONG628 | $404K |
| Unused commitments, original maturity exceeding one year - credit equivalent amount | RCONG625 | $404K |
| All other assets - 20 pct risk weight category | RCOND983 | $300K |
| Held-to-maturity securities - adjustment to totals reported in column a | RCONS399 | $73K |
| Total balance sheet assets - adjustments to total reported in column a | RCONS500 | $55K |
| Loans and leases, net of unearned income, all other exposures - 100 pct risk weight category | RCONS462 | -$49K |
| Total loans and leases, net of unearned income, all other exposures | RCONS457 | -$49K |
| All other assets - 0 pct risk weight category | RCOND982 | $26K |
| All other assets - 50 pct risk weight category | RCOND984 | $12K |
Schedule RI-A: Changes in Bank Equity Capital (4 items)
| Line item | Code | Q4 2025 |
|---|---|---|
| Balance end of previous calendar year as restated | RIADB508 | $3.3M |
| Equity capital, most recently reported for the end of previous calendar year (i.e., after adjustments from amended reports of income) | RIAD3217 | $3.3M |
| Total equity capital | RIAD3210 | $1.3M |
| Other comprehensive income | RIADB511 | -$8K |
Schedule RI-B, Part II: Changes in Allowances for Credit Losses (2 items)
About Schedule RI-B, Part II · The Lemont National Bank changes in allowances for credit losses trends
Schedule RI-E: Explanations (14 items)
| Line item | Code | Q4 2025 |
|---|---|---|
| Legal expense | RIAD4141 | $424K |
| Data processing expenses | RIADC017 | $127K |
| Accounting and auditing expenses | RIADF556 | $93K |
| Automated teller machine (ATM) and interchange expense | RIADF558 | $50K |
| Telecommunications expense | RIADF559 | $39K |
| Second itemized amount that exceeds 10% of other noninterest expense (4092) | RIAD4467 | $33K |
| Third itemized amount that exceeds 10% of other noninterest expense (4092) | RIAD4468 | $25K |
| Safe deposit box rent | RIADC015 | $14K |
| Directors' fees | RIAD4136 | $13K |
| Printing, stationery, and supplies | RIADC018 | $12K |
| Operating expenses communications - postage, monthly | RIAD8403 | $9K |
| First itemized amount that exceeds 10% of all other noninterest income (5408) | RIAD4461 | $8K |
| Marketing and other professional services | RIAD0497 | $6K |
| Income and fees from automated teller machines (atms) | RIADC016 | $4K |
The Lemont National Bank call reports on file
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