Bank call report · Norwood, MA
Onelocal Bank Call Report
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Onelocal Bank filed its latest call report for the quarter ended June 30, 2026 on the FFIEC 041. Below are its 309 reported line items, schedule by schedule (599 items filed as zero are left out). The official PDF is on the FFIEC Central Data Repository.
| Call report form | FFIEC 041 |
|---|---|
| Latest quarter filed | Q2 2026 (June 30, 2026) |
| Federal Reserve RSSD ID | 1013070 |
| FDIC certificate number | 26555 |
| Total assets | $1.05B |
Official Q2 2026 call report PDF (FFIEC) →
Onelocal 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 041.
Schedule RC: Balance Sheet (23 items)
About Schedule RC · Onelocal Bank balance sheet trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Assets | RCON2170 | $1.05B |
| Total Liabilities, Limited-life Preferred Stock, and Equity Capital | RCON3300 | $1.05B |
| Loans and Leases, Net of Unearned Income - Totals | RCONB528 | $911.2M |
| Total Liabilities and Minority Interest | RCON2948 | $905.3M |
| Loans and Leases, Net of Unearned Income and Allowance | RCONB529 | $903.2M |
| Total Deposits | RCON2200 | $843.0M |
| Total Interest-bearing Deposits in Foreign and Domestic Offices | RCON6636 | $753.9M |
| Total Equity Capital | RCON3210 | $146.2M |
| Total Equity Capital Including Noncontrolling Minority Interests in Consolidated Subsidiaries | RCONG105 | $146.2M |
| Undivided Profits and Capital Reserves | RCON3632 | $127.7M |
| Available-for-sale debt securities (from Schedule RC-B, column D) | RCON1773 | $95.6M |
| Deposits: Noninterest-bearing | RCON6631 | $89.0M |
| Other Borrowed Money | RCON3190 | $54.0M |
| Other Assets | RCON2160 | $35.8M |
| Surplus | RCON3839 | $20.1M |
| Other Liabilities, Total | RCON2930 | $8.3M |
| Allowance for Loan and Lease Losses | RCON3123 | $8.1M |
| Premises and Fixed Assets (Including Capitalized Leases) | RCON2145 | $5.9M |
| Noninterest-bearing Balances and Currency and Coin | RCON0081 | $4.4M |
| Intangible Assets | RCON2143 | $4.1M |
| Interest-bearing Balances | RCON0071 | $2.4M |
| Accumulated Other Comprehensive Income | RCONB530 | -$1.6M |
| Goodwill | RCON3163 | $1.5M |
Schedule RI: Income Statement (39 items)
About Schedule RI · Onelocal Bank income statement trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Interest Income | RIAD4107 | $29.3M |
| Interest and Fee Income on Loans, Total | RIAD4010 | $27.3M |
| Net Interest Income | RIAD4074 | $17.7M |
| Interest and Fee Income on All Other Loans Secured by Real Estate | RIAD4436 | $17.3M |
| Total Interest Expense | RIAD4073 | $11.6M |
| Total Noninterest Expense | RIAD4093 | $11.5M |
| Interest and Fee Income on Loans Secured by 1-4 Family Residential Properties | RIAD4435 | $9.8M |
| Salaries and Employee Benefits | RIAD4135 | $7.1M |
| Income (Loss) Before Applicable Income Taxes and Discontinued Operations | RIAD4301 | $7.0M |
| 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 | $7.0M |
| Income (Loss) Before Discontinued Operations | RIAD4300 | $5.2M |
| Net Income (Loss) | RIAD4340 | $5.2M |
| Net Income (Loss) Attributable to Bank and Noncontrolling Minority Interests | RIADG104 | $5.2M |
| Savings Deposits (Including Mmdas) | RIAD0093 | $4.7M |
| Other Noninterest Expense | RIAD4092 | $3.3M |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of 250000 or Less | RIADHK03 | $3.2M |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of More Than 250000 | RIADHK04 | $2.7M |
| Applicable Income Taxes | RIAD4302 | $1.8M |
| Interest on Trading Liabilities and Other Borrowed Money | RIAD4185 | $1.1M |
| Interest and Dividend Income on Securities: U.S. Treasury Securities and U.S. Government Agency Obligations (Excluding Mortgage-backed Securities) | RIADB488 | $1.0M |
| Total Noninterest Income | RIAD4079 | $800K |
| Expenses of Premises and Fixed Assets | RIAD4217 | $762K |
| Other Noninterest Income | RIADB497 | $639K |
| Interest and Dividend Income on Securities: Mortgage-backed Securities | RIADB489 | $485K |
| Interest on Other Securities | RIAD4060 | $356K |
| Interest and Dividend Income on Tax-exempt Securities Issued by States and Political Subdivisions in the U.S. | RIAD4507 | $315K |
| Amortization Expense and Impairment Losses Intangible Assets | RIADC232 | $225K |
| Interest and Fee Income on Commercial and Industrial Loans | RIAD4012 | $216K |
| Provision for Loan and Lease Losses | RIAD4230 | -$123K |
| Goodwill Impairment Losses | RIADC216 | $115K |
| Net Servicing Fees | RIADB492 | $98K |
| Other Interest Income | RIAD4518 | $86K |
| Service Charges on Deposit Accounts in Domestic Offices | RIAD4080 | $53K |
| 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 | $49K |
| Interest Income on Balances Due from Depository Institutions | RIAD4115 | $47K |
| Provisions for Credit Losses on Financial Assets | RIADJJ33 | -$45K |
| Interest on Transaction Accounts (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) | RIAD4508 | $27K |
| Net Gains (Losses) on Sales of Loans | RIAD5416 | $10K |
| Number of Full Time Equivalent Employees on Payroll at End of Current Period | RIAD4150 | 84 |
Schedule RC-A: Cash and Balances Due from Depository Institutions (5 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Cash and Balances Due from Depository Institutions | RCON0010 | $6.8M |
| Cash Items in Process of Collection and Unposted Debits | RCON0020 | $2.9M |
| Balances Due from Federal Reserve Banks | RCON0090 | $2.0M |
| Currency and Coin | RCON0080 | $1.0M |
| Balances Due from Depository Institutions in the U.S. | RCON0082 | $883K |
Schedule RC-B: Securities (29 items)
About Schedule RC-B · Onelocal Bank securities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Mortgage-backed Securities (MBS): Residential Pass-through Securities: Guaranteed by GNMA: Available-for-sale Amortized Cost | RCONG302 | $2.1M |
| Mortgage-backed Securities (MBS): Residential Pass-through Securities: Guaranteed by GNMA: Available-for-sale Fair Value | RCONG303 | $2.0M |
| Mortgage-backed Securities (MBS): Residential Pass-through Securities: Issued by FNMA and FHLMC: Available-for-sale Amortized Cost | RCONG306 | $28.3M |
| Mortgage-backed Securities (MBS): Residential Pass-through Securities: Issued by FNMA and FHLMC: Available-for-sale Fair Value | RCONG307 | $26.1M |
| Total Amortized Cost of Available-for-sale Securities | RCON1772 | $98.1M |
| US government agency obligations (exclude mortgage-backed securities), Available for sale, Amortized Cost | RCONHT52 | $49.9M |
| US government agency obligations (exclude mortgage-backed securities), Available for sale, Fair Value | RCONHT53 | $49.6M |
| Pledged Securities | RCON0416 | $38.9M |
| Amortized Cost of Structured Notes | RCON8782 | $26.2M |
| Fair Value of Structured Notes | RCON8783 | $26.1M |
| 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 Date of Over One Year Through Three Years | RCONA551 | $22.2M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Five Years Through Fifteen Years | RCONA553 | $19.0M |
| Fair Value of Available-for-sale Securities Issued by States and Political Subdivisions in the U.S. | RCON8499 | $15.6M |
| Amortized Cost of Available-for-sale Securities Issued by States and Political Subdivisions in the U.S. | RCON8498 | $15.5M |
| 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 | $14.4M |
| Fixed Rate and Floating Rate Debt Securities with a Remaining Maturity of One Year or Less | RCONA248 | $12.5M |
| 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 Three Years Through Five Years | RCONA552 | $11.7M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Five Years Through 15 Years | RCONA559 | $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 Three Months Through 12 Months | RCONA550 | $7.6M |
| 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 Three Months of Less | RCONA549 | $6.3M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONA555 | $1.9M |
| 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 | $1.8M |
| Fair Value of Other Available-for-sale Domestic Debt Securities | RCON1741 | $1.4M |
| Amortized Cost of Other Available-for-sale Domestic Debt Securities | RCON1739 | $1.3M |
| 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 | $989K |
| 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 | $859K |
| 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 | $731K |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONA556 | $403K |
| 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 | $83K |
Schedule RC-C, Part I: Loans and Leases (34 items)
About Schedule RC-C, Part I · Onelocal Bank loans and leases trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Loans and Leases, Net of Unearned Income | RCON2122 | $911.2M |
| Pledged Loans and Leases | RCONG378 | $349.8M |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by First Liens | RCON5367 | $335.4M |
| Real Estate Loans Secured by Multi-family (5 or More) Residential Properties | RCON1460 | $198.8M |
| Adjustable Rate Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties | RCON5370 | $191.7M |
| 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 | $185.1M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Years Through Five Years | RCONA573 | $180.3M |
| 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 One Year Through Three Years | RCONA572 | $142.8M |
| 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 | $117.6M |
| Fixed Rate and Floating Rate Loans and Leases with a Remaining Maturity of One Year or Less | RCONA247 | $108.0M |
| Loans Secured by 1-4 Family Residential Construction | RCONF158 | $99.0M |
| Loans Secured by Other Nonfarm Nonresidential Properties. | RCONF161 | $86.8M |
| 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 | $85.3M |
| Loans Secured by Other Construction Loans and All Land Development and Other Land Loans | RCONF159 | $78.4M |
| Loans Secured by Owner Occupied Nonfarm Nonresidential Properties | RCONF160 | $75.2M |
| Construction, Land Development, and Other Land Loans in Domestic Offices with Interest Reserves: Amount of Loans That Provide for the Use of Interest Reserves (Included in Scheduled Rc-c, Part I, Item 1.A., Column B) | RCONG376 | $62.7M |
| 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 | $45.2M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Five Years Through 15 Years | RCONA568 | $43.8M |
| 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 | $41.6M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Three Months or Less | RCONA564 | $31.0M |
| Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit | RCON1797 | $22.3M |
| 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 Five Years Through 15 Years | RCONA574 | $20.9M |
| 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 Three Months Through 12 Months | RCONA565 | $12.1M |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by Junior Liens | RCON5368 | $9.0M |
| Commercial and Industrial Loans | RCON1766 | $6.5M |
| Commercial and Industrial Loans to U.S. Addressees | RCON1763 | $6.5M |
| 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 15 Years | RCONA575 | $4.9M |
| Unearned Income on Loans | RCON2123 | $1.2M |
| Other Consumer Loans to Individuals for Household, Family, and Other Personal Expenditures (Includes Single Payment, Installment, and All Student Loans) | RCONK207 | $853K |
| Construction, Land Development, and Other Land Loans in Domestic Offices with Interest Reserves: Amount of Interest Capitalized from Interest Reserves on Construction, Land Development, and Other Land Loans That Is Included in Interest and Fee Income on Loans During the Quarter (Included in Schedule Ri, Item 1.A.(1)(A)(2)) | RIADG377 | $515K |
| 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 | $478K |
| Loans Secured by 1-4 Family Residential Properties in Domestic Offices in Process of Foreclosure (Included in Rc-c, Part I, Items 1.C.(1), 1.C.(2)(A), and 1.C.(2)(B) | RCONF577 | $453K |
| Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper): Other Revolving Credit Plans | RCONB539 | $27K |
| Automobile Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper) | RCONK137 | $10K |
Schedule RC-C, Part II: Loans to Small Businesses and Small Farms (12 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5569 | $26.6M |
| 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 | $2.3M |
| 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 | $2.1M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5571 | $392K |
| 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 | $341K |
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5565 | $53K |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5568 | 58 |
| 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 Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5570 | 7 |
| 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 | 5 |
| 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 | 4 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5564 | 2 |
Schedule RC-E: Deposit Liabilities (23 items)
About Schedule RC-E · Onelocal Bank deposit liabilities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Nontransaction Accounts (Including Mmda's) | RCON2385 | $672.3M |
| Total Nontransaction Accounts Deposits of Individuals, Partnerships, and Corporations | RCONB550 | $577.9M |
| Money Market Deposit Accounts (Mmda's) | RCON6810 | $290.8M |
| Total Demand Deposits (See Note Below) | RCON2210 | $170.6M |
| Total Transaction Accounts | RCON2215 | $170.6M |
| Total Transaction Accounts - Deposits of Individuals, Partnerships, and Corporation | RCONB549 | $170.5M |
| Time Deposits of 250000 or Less with a Remaining Maturity of One Year or Less | RCONHK11 | $159.3M |
| Components of Total Nontransaction Accounts: Total Time Deposits of More Than $250,000 | RCONJ474 | $126.4M |
| Time Deposits of More Than $250,000 with a Remaining Maturity of One or Year Less | RCONK222 | $113.5M |
| Total Nontransaction Accounts of States and Political Subdivisions in the U.S. | RCON2530 | $94.4M |
| Components of Total Nontransaction Accounts: Total Time Deposits of $100,000 Through $250,000 | RCONJ473 | $90.1M |
| 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 | $86.4M |
| Total Time Deposits of Less Than $100,000 | RCON6648 | $83.6M |
| Other Nontransaction Savings Deposits (Excludes Mmda's) | RCON0352 | $81.3M |
| 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 | $72.9M |
| 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 | $62.4M |
| 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 | $51.0M |
| All Time and Savings Deposits Held in IRA and Keogh Plan Accounts | RCON6835 | $22.1M |
| 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 Over One Year Through Three Years | RCONHK09 | $13.6M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONHK14 | $12.9M |
| Individual Retirement Accounts (Iras) and Keogh Plan Accounts Included in Memorandum Item 2.C, 'Total Time Deposits of $100,000 or More,' Above | RCONF233 | $12.0M |
| 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 Years | RCONHK10 | $800K |
| Total Transaction Accounts - Deposits of States and Political Subdivisions in the U.S. | RCON2203 | $191K |
Schedule RC-F: Other Assets (8 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Life Insurance Assets: General Account Life Insurance Assets | RCONK201 | $21.1M |
| Net Deferred Tax Assets | RCON2148 | $6.2M |
| Accrued Interest Receivable | RCONB556 | $3.5M |
| Historical Cost of All Other Available-for-sale Equity Securities | RCON1752 | $2.1M |
| Life Insurance Assets: Hybrid Account Life Insurance Assets | RCONK270 | $1.5M |
| Other Assets | RCON2168 | $1.4M |
| Prepaid Expenses | RCON2166 | $868K |
| Computer Software | RCONFT33 | $154K |
Schedule RC-G: Other Liabilities (5 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| All Other Liabilities | RCON2938 | $5.2M |
| Deferred Compensation Liabilities | RCONC011 | $5.2M |
| Other Expenses Accrued and Unpaid | RCON3646 | $2.5M |
| Allowance for Credit Losses on Off-balance Sheet Credit Exposures | RCONB557 | $603K |
| Interest Accrued and Unpaid on Deposits (in Domestic Offices) | RCON3645 | $2K |
Schedule RC-K: Quarterly Averages (15 items)
About Schedule RC-K · Onelocal Bank quarterly averages trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Quarterly Average of Total Assets | RCON3368 | $1.06B |
| Quarterly Average of Total Loans | RCON3360 | $913.2M |
| Quarterly Average of All Other Loans Secured by Real Estate | RCON3466 | $538.8M |
| Quarterly Average of Loans Secured by 1-4 Family Residential Properties | RCON3465 | $366.7M |
| Nontransaction Accounts in Domestic Offices: Savings Deposits | RCONB563 | $362.8M |
| Liabilities, Nontransaction Accounts, Time Deposits of 250000 or Less | RCONHK16 | $173.2M |
| Liabilities, Nontransaction Accounts, Time Deposits of More Than 250000 | RCONHK17 | $143.9M |
| Transaction Accounts (in Domestic Offices) (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) - Quarterly Average | RCON3485 | $76.9M |
| Quarterly Average of Other Borrowed Money | RCON3355 | $54.4M |
| U.S. Treasury Securities and U.S. Government Agency Obligations (Excluding Mortgage-backed Securities) | RCONB558 | $51.9M |
| Mortgage-backed Securities | RCONB559 | $32.1M |
| All Other Securities | RCONB560 | $18.1M |
| Quarterly Average of Commercial and Industrial Loans | RCON3387 | $6.7M |
| Quarterly Average of Interest-bearing Balances Due from Depository Institutions | RCON3381 | $5.7M |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Other | RCONB562 | $974K |
Schedule RC-L: Derivatives and Off-Balance-Sheet Items (14 items)
About Schedule RC-L · Onelocal Bank derivatives and off-balance-sheet items trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Notional Amounts by Regulatory Capital Treatment: All Other Positions: Sold Protection | RCONG403 | $1.6M |
| Notional Amount of Sold Credit Protection: Investment Grade - with Remaining Maturity of Over Five Years | RCONG408 | $1.6M |
| 1-4 Family Residential Construction Loan Commitments | RCONF164 | $78.5M |
| Unused Commitments - Revolving, Open-end Lines Secured by 1-4 Family Residential Properties | RCON3814 | $45.0M |
| Commercial Real Estate, Other Construction Loan and Land Development Loan Commitments | RCONF165 | $38.1M |
| Other Unused Commitments: Commercial and Industrial Loans | RCONJ457 | $21.5M |
| All Other Off-balance Sheet Liabilities | RCON3430 | $5.3M |
| Standby Letters of Credit Issued by a Federal Home Loan Bank on the Bank's Behalf | RCONC978 | $5.0M |
| Other Unused Commitments: All Other Unused Commitments | RCONJ459 | $3.2M |
| Credit Derivatives: Notional Amounts- Other Credit Derivatives-guarantor | RCONC974 | $1.6M |
| Performance Standby Letters of Credit | RCON3821 | $1.5M |
| First Component of Other Off-balance Sheet Liabilities That Is Over 25% of Total Equity Capital (3210) | RCON3555 | $324K |
| Financial Standby Letters of Credit and Foreign Office Guarantees | RCON3819 | $106K |
| Notional Amount of Credit Derivatives on Which the Reporting Bank Is the Guarantor:gross Negative Fair Value | RCONC220 | $1K |
Schedule RC-M: Memoranda (12 items)
About Schedule RC-M · Onelocal Bank memoranda trends
| Line item | Code | Q2 2026 |
|---|---|---|
| FHLB Advances: Structured Advances | RCONF059 | $30.0M |
| FHLB Advances: Advances with a Remaining Maturity or Next Repricing Date of One Year or Less | RCONF055 | $20.0M |
| Other Borrowed Money: Other Borrowings with a Remaining Maturity or Next Repricing Date of One Year or Less | RCONF060 | $19.0M |
| Other Borrowings: with a Remaining Maturity of One Year or Less | RCONB571 | $19.0M |
| Secured Liabilities: Amount of 'Other Borrowings' That Are Secured | RCONF065 | $19.0M |
| FHLB Advances (Loans) Due in One Year or Less | RCON2651 | $15.0M |
| FHLB Advances: Advances with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONF056 | $10.0M |
| FHLB Advances: Advances with a Remaining Maturity or Next Repricing Date of Over Three Through Five Years | RCONF057 | $5.0M |
| All other intangible assets | RCONJF76 | $2.4M |
| Aggregate Amount of All Extensions of Credit to All Executive Officers, Directors, Principal Shareholders, and Their Related Interests | RCON6164 | $734K |
| Estimated Fair Value of Mortgage Servicing Assets | RCONA590 | $370K |
| Mortgage Servicing Assets | RCON3164 | $313K |
Schedule RC-N: Past Due and Nonaccrual Loans, Leases, and Other Assets (12 items)
About Schedule RC-N · Onelocal 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 | $3.3M |
| Total Loans and Lease Finance Receivables: Nonaccrual | RCON1403 | $1.9M |
| Loans Secured by Other Nonfarm Nonresidential Properties, 30-89 Days Past Due | RCONF179 | $1.9M |
| Additions to Nonaccrual Assets | RCONC410 | $1.5M |
| Loans Secured by Owner-occupied Nonfarm Nonresidential Properties, 30-89 Days Past Due | RCONF178 | $848K |
| Loans Secured by Other Nonfarm Nonresidential Properties, Nonaccrual | RCONF183 | $745K |
| Loans Secured by Real Estate (in Domestic Offices): Secured by Multifamily (5 or More) Residential Properties - Nonaccrual | RCON3501 | $553K |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens-past Due 30 Thru 89 Days and Still Accruing | RCONC236 | $507K |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens-nonaccural | RCONC229 | $483K |
| Loans Secured by 1-4 Family Residential Properties: Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit - Nonaccrual | RCON5400 | $166K |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by Junior Liens-past Due 30 Thru 89 Days and Still Accruing | RCONC238 | $24K |
| Loans Secured by 1-4 Family Residential Properties: Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit - Past Due 30 Through 89 Days and Still Accruing | RCON5398 | $23K |
Schedule RC-O: Other Data for Deposit Insurance Assessments (13 items)
About Schedule RC-O · Onelocal Bank other data for deposit insurance assessments trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average Consolidated Total Assets for the Calendar Quarter | RCONK652 | $1.06B |
| Total Deposit Liabilities as Defined in Section 3(1) of the Federal Deposit Insurance Act Before Exclusions | RCONF236 | $859.1M |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF051 | $424.1M |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of $250,000 or Less | RCONF049 | $412.9M |
| Estimated Amount of Uninsured Assessable Deposits in Domestic Offices of the Bank and in Insured Branches in Puerto Rico and U.S. Territories and Possessions, Including Related Interest Accrued and Unpaid | RCON5597 | $310.6M |
| Average Tangible Equity for the Calendar Quarter | RCONK654 | $143.4M |
| Amount of Retirement Deposits Accounts of $250,000 or Less | RCONF045 | $16.4M |
| Amount of Retirement Deposit Accounts of More Than $250,000 | RCONF047 | $5.7M |
| Number of Deposit Accounts (Excluding Retirement Accounts)of $250,000 or Less | RCONF050 | 19,825 |
| Number of Retirement Deposit Accounts of $250,000 or Less | RCONF046 | 609 |
| Number of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF052 | 538 |
| Number of Retirement Deposit Accounts of More Than $250,000 | RCONF048 | 15 |
| Averaging Method Used | RCONK653 | 1 |
Schedule RC-R, Part I: Regulatory Capital Components and Ratios (23 items)
About Schedule RC-R, Part I · Onelocal Bank regulatory capital components and ratios trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average total consolidated assets | RCOAKW03 | $1.06B |
| Average Total Assets (Net of Deductions) | RCOAA224 | $1.06B |
| Total Assets | RCOA2170 | $1.05B |
| Unconditionally Cancellable Commitments | RCOAS540 | $186.3M |
| Common Equity Tier 1 Capital Before Adjustments and Deductions | RCOAP840 | $146.2M |
| Common Equity Tier 1 Capital | RCOAP859 | $144.6M |
| Subtotal of Common Equity Tier 1 Capital: Adjustments and Deductions | RCOAP852 | $144.6M |
| Tier 1 Capital Allowable Under the Risk-based Capital Guidelines | RCOA8274 | $144.6M |
| Retained Earnings | RCOAKW00 | $127.7M |
| Common Equity Tier 1 Capital: Common Stock Plus Related Surplus, Net of Treasury Stock and Unearned Employee Stock Ownership Plan (ESOP) Shares | RCOAP742 | $20.1M |
| Off-balance sheet exposures: Other off-balance sheet exposures | RCOAKX81 | $3.5M |
| 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 | $3.5M |
| 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 | $3.2M |
| 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 | -$1.9M |
| Intangible Assets (Other Than Goodwill and Mortgage Servicing Assets (Msas)), Net of Associated Dtls | RCOAP842 | $1.7M |
| Accumulated Other Comprehensive Income | RCOAB530 | -$1.6M |
| Goodwill Net of Associated Deferred Tax Liabilities (Dtls) | RCOAP841 | $1.5M |
| Less: Amounts Recorded in AOCI Attributed to Defined Benefit Postretirement Plans Resulting from the Initial and Subsequent Application of the Relevant GAAP Standards That Pertain to Such Plans (If a Gain, Report as a Positive Value, If a Loss, Report as a Negative Value) | RCOAP847 | $260K |
| Less:other Deductions from Assets for Leverage Capital Purposes | RCOAB596 | -$102K |
| 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 | 0.1368 |
| Total off-balance sheet exposures (sum of items 15a through 15.c) | RCOAKX83 | 0.0034 |
Schedule RC-S: Servicing, Securitization, and Asset Sale Activities (4 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Outstanding Principal Balance of Assets Serviced for Others (Memorandum Item 2.C Is to Be Completed If the Balance Is More Than $10 Million): 1-4 Family Residential Mortgages Serviced with No Recourse or Other Servicer-provided Credit Enhancements | RCONB805 | $125.6M |
| Assets Sold with Recourse or Other Seller-provided Credit Enhancements and Not Securitized - 1-4 Family Residential Loans | RCONB790 | $15.5M |
| Outstanding Principal Balance of Loans Other Than 1-4 Family Residential Mortgage Loans That Are Serviced for Others | RCONA591 | $10.2M |
| Maximum Amount of Credit Exposure Arising from Recourse or Other Seller-provided Credit Enhancements Provided to Assets Reported in Item 11: 1-4 Family Residential Loans | RCONB797 | $324K |
Schedule RI-A: Changes in Bank Equity Capital (4 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Equity Capital | RIAD3210 | $146.2M |
| Balance End of Previous Calendar Year as Restated | RIADB508 | $141.6M |
| Equity Capital, Most Recently Reported for the End of Previous Calendar Year (I.e., After Adjustments from Amended Reports of Income) | RIAD3217 | $141.6M |
| Other Comprehensive Income | RIADB511 | -$610K |
Schedule RI-B, Part II: Changes in Allowances for Credit Losses (3 items)
About Schedule RI-B, Part II · Onelocal Bank changes in allowances for credit losses trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Balance Most Recently Reported for the December 31, 2000, Reports of Condition and Income(i.e., After Adjustments from Amended Report of Income) | RIADB522 | $8.2M |
| Allowance for Loan and Lease Losses | RIAD3123 | $8.1M |
| Provisions for credit losses on off-balance-sheet exposures | RIADMG93 | $78K |
Schedule RI-C: Disaggregated Data on the Allowance for Credit Losses (12 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Loans and Leases, Held for Investment, Total, Amortized Cost | RCONJJ11 | $911.2M |
| Loans and Leases, Held for Investment, Real estate loans, Residential real estate loans, Amortized Cost | RCONJJ06 | $367.1M |
| Loans and Leases, Held for Investment, Real estate loans, Commercial real estate loans, Amortized Cost | RCONJJ05 | $360.0M |
| Loans and Leases, Held for Investment, Real estate loans, Construction loans, Amortized Cost | RCONJJ04 | $176.8M |
| Loans and Leases, Held for Investment, Total, Allowance Balance | RCONJJ19 | $8.1M |
| Loans and Leases, Held for Investment, Commerical loans, Amortized Cost | RCONJJ07 | $6.5M |
| Loans and Leases, Held for Investment, Real estate loans, Commercial real estate loans, Allowance Balance | RCONJJ13 | $3.6M |
| Loans and Leases, Held for Investment, Real estate loans, Residential real estate loans, Allowance Balance | RCONJJ14 | $2.7M |
| Loans and Leases, Held for Investment, Real estate loans, Construction loans, Allowance Balance | RCONJJ12 | $1.7M |
| Loans and Leases, Held for Investment, Other consumer loans, Amortized Cost | RCONJJ09 | $765K |
| Loans and Leases, Held for Investment, Commerical loans, Allowance Balance | RCONJJ15 | $64K |
| Loans and Leases, Held for Investment, Other consumer loans, Allowance Balance | RCONJJ17 | $8K |
Schedule RI-E: Explanations (19 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Data Processing Expenses | RIADC017 | $733K |
| Directors' Fees | RIAD4136 | $557K |
| Earnings On/increase in Value of Cash Surrender Value of Life Insurance | RIADC014 | $415K |
| Marketing and Other Professional Services | RIAD0497 | $330K |
| Automated Teller Machine (ATM) and Interchange Expense | RIADF558 | $191K |
| Accounting and Auditing Expenses | RIADF556 | $180K |
| Bank Card and Credit Card Interchange Fees | RIADF555 | $176K |
| Third Itemized Amount That Exceeds 10% of Other Noninterest Expense (4092) | RIAD4468 | $159K |
| Consulting and Advisory Expense | RIADF557 | $155K |
| First Itemized Amount That Exceeds 10% of Other Noninterest Expense (4092) | RIAD4464 | $115K |
| Operating Expenses Communications - Postage, Monthly | RIAD8403 | $105K |
| Second Itemized Amount That Exceeds 10% of Other Noninterest Expense (4092) | RIAD4467 | $88K |
| Telecommunications Expense | RIADF559 | $85K |
| Insurance Expenses (Not Included in Emplouee Expenses, Premises and Fixed Asset Expenses, and Other Real Estate Owned Expenses) | RIADY924 | $50K |
| Printing, Stationery, and Supplies | RIADC018 | $43K |
| Legal Expense | RIAD4141 | $36K |
| Safe Deposit Box Rent | RIADC015 | $17K |
| Income and Fees from Wire Transfers | RIADT047 | $16K |
| Income and Fees from the Printing and Sale of Checks | RIADC013 | $1K |
Onelocal 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 Onelocal Bank call report?
The Onelocal 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 Onelocal Bank file?
Onelocal Bank files the FFIEC 041. The FFIEC 031 is for banks with foreign offices, the FFIEC 041 for banks with domestic offices only, and the FFIEC 051 is the streamlined form most domestic banks under $5 billion in total assets may file.
What is the Onelocal Bank call report number?
A call report has no number of its own. It is filed and looked up by the bank's identifiers: Onelocal Bank has Federal Reserve RSSD ID 1013070 and FDIC certificate number 26555. Either one finds its filings on the FFIEC Central Data Repository.
How often does Onelocal 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.
Onelocal 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 26555) · FFIEC NIC profile (RSSD 1013070)