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Bank call report · Senath, MO

Senath State Bank Call Report

Filed for the quarter ended (Q2 2026) on the FFIEC 041. Source: FFIEC Central Data Repository.

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Senath State Bank filed its latest call report for the quarter ended June 30, 2026 on the FFIEC 041. Below are its 212 reported line items, schedule by schedule (600 items filed as zero are left out). The official PDF is on the FFIEC Central Data Repository.

Senath State Bank call report filing details
Call report formFFIEC 041
Latest quarter filedQ2 2026 (June 30, 2026)
Federal Reserve RSSD ID203052
FDIC certificate number15101
Total assets$97.3M

Official Q2 2026 call report PDF (FFIEC) →

Senath 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 041.

Schedule RC: Balance Sheet (25 items)

About Schedule RC · Senath State Bank balance sheet trends

Senath State Bank Schedule RC, Q2 2026
Line item Code Q2 2026
Total assets RCON2170 $97.3M
Total liabilities, limited-life preferred stock, and equity capital RCON3300 $97.3M
Total liabilities and minority interest RCON2948 $81.8M
Total deposits RCON2200 $81.6M
Total interest-bearing deposits in foreign and domestic offices RCON6636 $56.9M
Loans and leases, net of unearned income - totals RCONB528 $55.7M
Loans and leases, net of unearned income and allowance RCONB529 $55.0M
Deposits, noninterest-bearing RCON6631 $24.7M
Interest-bearing balances RCON0071 $22.2M
Total equity capital RCON3210 $15.5M
Total equity capital including noncontrolling minority interests in consolidated subsidiaries RCONG105 $15.5M
Undivided profits and capital reserves RCON3632 $15.1M
Available-for-sale debt securities (from Schedule RC-B, column D) RCON1773 $13.9M
Federal funds sold RCONB987 $3.1M
Noninterest-bearing balances and currency and coin RCON0081 $2.0M
Allowance for loan and lease losses RCON3123 $771K
Other assets RCON2160 $658K
Surplus RCON3839 $400K
Premises and fixed assets (including capitalized leases) RCON2145 $329K
Held to maturity securities (ASU 2016-13 adoption) RCONJJ34 $135K
Held-to-maturity securities, total RCON1754 $135K
Other liabilities, total RCON2930 $126K
Common stock RCON3230 $100K
Accumulated other comprehensive income RCONB530 -$43K
Other real estate owned RCON2150 $20K
Schedule RI: Income Statement (34 items)

About Schedule RI · Senath State Bank income statement trends

Senath State Bank Schedule RI, Q2 2026
Line item Code Q2 2026
Total interest income RIAD4107 $2.6M
Net interest income RIAD4074 $2.1M
Interest and fee income on loans, total RIAD4010 $1.8M
Total noninterest expense RIAD4093 $1.3M
Interest and fee income on loans secured by 1-4 family residential properties RIAD4435 $1.2M
Income (loss) before applicable income taxes and discontinued operations RIAD4301 $1.2M
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 $1.2M
Income (loss) before discontinued operations RIAD4300 $1.2M
Net income (loss) RIAD4340 $1.2M
Net income (loss) attributable to bank and noncontrolling minority interests RIADG104 $1.2M
Salaries and employee benefits RIAD4135 $610K
Other noninterest expense RIAD4092 $604K
Total interest expense RIAD4073 $550K
Interest income on balances due from depository institutions RIAD4115 $459K
Savings deposits (including mmdas) RIAD0093 $369K
Total noninterest income RIAD4079 $325K
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 $305K
Interest and dividend income on securities, U.S. treasury securities and U.S. government agency obligations (excluding mortgage-backed securities) RIADB488 $292K
Other noninterest income RIADB497 $215K
Interest and fee income on all other loans secured by real estate RIAD4436 $211K
Interest expense, interest on deposits, nontransaction accounts, time deposits of 250000 or less RIADHK03 $165K
Service charges on deposit accounts in domestic offices RIAD4080 $111K
Interest income on federal funds sold and securities purchased under agreements to resell RIAD4020 $88K
Expenses of premises and fixed assets RIAD4217 $60K
Interest and fee income on all other loans in domestic offices RIAD4058 $47K
Interest and fee income on commercial and industrial loans RIAD4012 $42K
Interest on transaction accounts (NOW accounts, ats accounts, and telephone and preauthorized transfer accounts) RIAD4508 $16K
Provision for loan and lease losses RIAD4230 -$3K
Provisions for credit losses on financial assets RIADJJ33 -$3K
Interest and dividend income on tax-exempt securities issued by states and political subdivisions in the U.S. RIAD4507 $2K
Interest on other securities RIAD4060 $2K
Other interest income RIAD4518 $2K
Income from other insurance and reinsurance activities RIADC387 -$1K
Number of full time equivalent employees on payroll at end of current period RIAD4150 15
Schedule RC-B: Securities (13 items)

About Schedule RC-B · Senath State Bank securities trends

Senath State Bank Schedule RC-B, Q2 2026
Line item Code Q2 2026
Total amortized cost of available-for-sale securities RCON1772 $14.0M
Pledged securities RCON0416 $13.2M
Amortized cost of available-for-sale U.S. treasury securities RCON1286 $9.0M
Fair value of available-for-sale U.S. treasury securities RCON1287 $9.0M
Securities issued by the U.S. treasury, U.S. government agencies, and states and political subdivisions in the U.S., other non-mortgage debt securities, and mortgage pass-through securities other than those backed by closed-end first lien 1-4 family residential mortgages with a remaining maturity or next repricing date of over one year through three years RCONA551 $8.9M
Fixed rate and floating rate debt securities with a remaining maturity of one year or less RCONA248 $5.1M
US government agency obligations (exclude mortgage-backed securities), Available for sale, Amortized Cost RCONHT52 $5.0M
US government agency obligations (exclude mortgage-backed securities), Available for sale, Fair Value RCONHT53 $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 $3.0M
Securities issued by the U.S. treasury, U.S. government agencies, and states and political subdivisions in the U.S., other non-mortgage debt securities, and mortgage pass-through securities other than those backed by closed-end first lien 1-4 family residential mortgages with a remaining maturity or next repricing date of over three months through 12 months RCONA550 $2.1M
Amortized cost of held-to-maturity securities issued by states and political subdivisions in the U.S. RCON8496 $135K
Fair value of held-to-maturity securities issued by states and political subdivisions in the U.S. RCON8497 $135K
Total fair value of held-to-maturity securities RCON1771 $135K
Schedule RC-C, Part I: Loans and Leases (24 items)

About Schedule RC-C, Part I · Senath State Bank loans and leases trends

Senath State Bank Schedule RC-C, Part I, Q2 2026
Line item Code Q2 2026
Total loans and leases, net of unearned income RCON2122 $55.7M
All other loans secured by 1-4 family residential properties, secured by first liens RCON5367 $36.0M
Pledged loans and leases RCONG378 $36.0M
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 $16.8M
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 $10.7M
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 over three years through five years RCONA573 $8.4M
Real estate loans secured by farmland RCON1420 $6.5M
Automobile loans to individuals for household, family, and other personal expenditures (i.e., consumer loans)(includes purchased paper) RCONK137 $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 one year through three years RCONA566 $5.5M
Fixed rate and floating rate loans and leases with a remaining maturity of one year or less RCONA247 $4.6M
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 $4.5M
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 three months through 12 months RCONA571 $3.7M
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 over five years through 15 years RCONA574 $2.2M
Other consumer loans to individuals for household, family, and other personal expenditures (includes single payment, installment, and all student loans) RCONK207 $2.0M
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 $1.6M
Loans to finance agricultural production and other loans to farmers RCON1590 $1.5M
Commercial and industrial loans RCON1766 $1.4M
Loans secured by other construction loans and all land development and other land loans RCONF159 $1.1M
Closed-end loans secured by first liens on 1-4 family residential properties (in domestic offices) with a remaining maturity or repricing frequency of three months or less RCONA564 $1.1M
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 three months or less RCONA570 $914K
All other loans secured by 1-4 family residential properties, secured by junior liens RCON5368 $865K
Loans secured by other nonfarm nonresidential properties. RCONF161 $325K
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 $224K
Real estate loans secured by multi-family (5 or more) residential properties RCON1460 $12K
Schedule RC-C, Part II: Loans to Small Businesses and Small Farms (10 items)

About Schedule RC-C, Part II

Senath State Bank Schedule RC-C, Part II, Q2 2026
Line item Code Q2 2026
Amount currently outstanding of loans secured by farmland (including farm residential and other improvements) (in domestic offices) with original amounts of more than $100,000 through $250,000 RCON5581 $1.4M
Amount currently outstanding of loans secured by farmland (including farm residential and other improvements) (in domestic offices) with original amounts of more than $250,000 through $500,000 RCON5583 $1.0M
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 $221K
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 $165K
Number of commercial and industrial loans to U.S. addressees (in domestic offices) RCON5563 38
Number of loans secured by nonfarm nonresidential properties (in domestic offices) RCON5562 13
Number of loans secured by farmland (including farm residential and other improvements) (in domestic offices) with original amounts of more than $100,000 through $250,000 RCON5580 11
Number of loans secured by farmland (including farm residential and other improvements) (in domestic offices) with original amounts of $100,000 or less RCON5578 7
Number of loans to finance agricultural production and other loans to farmers (in domestic offices) with original amounts of $100,000 or less RCON5584 4
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 3
Schedule RC-E: Deposit Liabilities (20 items)

About Schedule RC-E · Senath State Bank deposit liabilities trends

Senath State Bank Schedule RC-E, Q2 2026
Line item Code Q2 2026
Total nontransaction accounts (including mmda's) RCON2385 $46.4M
Total nontransaction accounts deposits of individuals, partnerships, and corporations RCONB550 $45.1M
Total transaction accounts RCON2215 $35.3M
Total demand deposits (see note below) RCON2210 $24.3M
Money market deposit accounts (mmda's) RCON6810 $23.4M
Total transaction accounts - deposits of individuals, partnerships, and corporation RCONB549 $22.0M
Total transaction accounts - deposits of states and political subdivisions in the U.S. RCON2203 $13.3M
Other nontransaction savings deposits (excludes mmda's) RCON0352 $11.0M
Time deposits of 250000 or less with a remaining maturity of one year or less RCONHK11 $9.4M
Total time deposits of less than $100,000 RCON6648 $9.1M
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 three months through 12 months RCONHK08 $7.4M
Maturity and repricing data for time depoits of 250000 or less, time deposits of 250000 or less with a remaining maturity or next repricing date of three months or less RCONHK07 $3.0M
All time and savings deposits held in IRA and keogh plan accounts RCON6835 $2.3M
Components of total nontransaction accounts, total time deposits of $100,000 through $250,000 RCONJ473 $1.9M
Total nontransaction accounts of states and political subdivisions in the U.S. RCON2530 $1.2M
Components of total nontransaction accounts, total time deposits of more than $250,000 RCONJ474 $976K
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 $976K
Time deposits of more than $250,000 with a remaining maturity of one or year less RCONK222 $976K
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 $425K
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 $243K
Schedule RC-F: Other Assets (2 items)

About Schedule RC-F

Senath State Bank Schedule RC-F, Q2 2026
Line item Code Q2 2026
Accrued interest receivable RCONB556 $596K
Historical cost of all other available-for-sale equity securities RCON1752 $62K
Schedule RC-G: Other Liabilities (3 items)

About Schedule RC-G

Senath State Bank Schedule RC-G, Q2 2026
Line item Code Q2 2026
Other expenses accrued and unpaid RCON3646 $66K
Interest accrued and unpaid on deposits (in domestic offices) RCON3645 $59K
All other liabilities RCON2938 $1K
Schedule RC-K: Quarterly Averages (14 items)

About Schedule RC-K · Senath State Bank quarterly averages trends

Senath State Bank Schedule RC-K, Q2 2026
Line item Code Q2 2026
Quarterly average of total assets RCON3368 $100.9M
Quarterly average of total loans RCON3360 $55.0M
Quarterly average of loans secured by 1-4 family residential properties RCON3465 $36.7M
Nontransaction accounts in domestic offices, savings deposits RCONB563 $35.5M
Quarterly average of interest-bearing balances due from depository institutions RCON3381 $23.9M
U.S. treasury securities and U.S. government agency obligations (excluding mortgage-backed securities) RCONB558 $14.3M
Transaction accounts (in domestic offices) (NOW accounts, ats accounts, and telephone and preauthorized transfer accounts) - quarterly average RCON3485 $12.2M
Liabilities, nontransaction accounts, time deposits of 250000 or less RCONHK16 $10.1M
Quarterly average of all other loans secured by real estate RCON3466 $8.2M
Loans to individuals for household, family, and other personal expenditures, other RCONB562 $7.8M
Quarterly average of federal funds sold and securities purchased under agreements to resell RCON3365 $4.2M
Quarterly average of commercial and industrial loans RCON3387 $1.3M
Liabilities, nontransaction accounts, time deposits of more than 250000 RCONHK17 $976K
All other securities RCONB560 $135K
Schedule RC-L: Derivatives and Off-Balance-Sheet Items (2 items)

About Schedule RC-L · Senath State Bank derivatives and off-balance-sheet items trends

Senath State Bank Schedule RC-L, Q2 2026
Line item Code Q2 2026
Other unused commitments, all other unused commitments RCONJ459 $1.7M
Other unused commitments, commercial and industrial loans RCONJ457 $104K
Schedule RC-M: Memoranda (2 items)

About Schedule RC-M · Senath State Bank memoranda trends

Senath State Bank Schedule RC-M, Q2 2026
Line item Code Q2 2026
Aggregate amount of all extensions of credit to all executive officers, directors, principal shareholders, and their related interests RCON6164 $393K
All other real estate owned, 1-4 family residential properties in domestic offices RCON5510 $20K
Schedule RC-N: Past Due and Nonaccrual Loans, Leases, and Other Assets (12 items)

About Schedule RC-N · Senath State Bank past due and nonaccrual loans, leases, and other assets trends

Senath State Bank Schedule RC-N, Q2 2026
Line item Code Q2 2026
Total loans and lease financing receivables, past due 30-89 days and still accruing RCON1406 $2.1M
Closed-end loans secured by 1-4 family residential properties, secured by first liens-past due 30 thru 89 days and still accruing RCONC236 $1.3M
Total loans and lease financing receivables, past due 90 days or more and still accruing RCON1407 $812K
Loans secured by real estate (in domestic offices), secured by farmland - past due 90 days or more and still accruing RCON3494 $613K
Loans secured by real estate (in domestic offices), secured by farmland - past due 30 through 89 days and still accruing RCON3493 $410K
Closed-end loans secured by 1-4 family residential properties, secured by first liens-past due 90 days or more and still accruing RCONC237 $199K
Loans to individuals for household, family and other personal expenditures, automobile loans - past due 30 through 89 days and still accruing RCONK213 $136K
Closed-end loans secured by 1-4 family residential properties, secured by junior liens-past due 30 thru 89 days and still accruing RCONC238 $126K
Commercial and industrial loans - past due 30-89 days and still accruing RCON1606 $65K
All other loans - past due 30 through 89 days and still accruing RCON5459 $3K
All other loans - nonaccrual RCON5461 $1K
Total loans and lease finance receivables, nonaccrual RCON1403 $1K
Schedule RC-O: Other Data for Deposit Insurance Assessments (12 items)

About Schedule RC-O · Senath State Bank other data for deposit insurance assessments trends

Senath State Bank Schedule RC-O, Q2 2026
Line item Code Q2 2026
Average consolidated total assets for the calendar quarter RCONK652 $100.9M
Total deposit liabilities as defined in section 3(1) of the federal deposit insurance act before exclusions RCONF236 $83.9M
Amount of deposit accounts (excluding retirement accounts) of $250,000 or less RCONF049 $56.0M
Amount of deposit accounts (excluding retirement accounts) of more than $250,000 RCONF051 $25.6M
Average tangible equity for the calendar quarter RCONK654 $15.4M
Amount of retirement deposits accounts of $250,000 or less RCONF045 $1.9M
Amount of retirement deposit accounts of more than $250,000 RCONF047 $367K
Number of deposit accounts (excluding retirement accounts)of $250,000 or less RCONF050 5,834
Number of retirement deposit accounts of $250,000 or less RCONF046 160
Number of deposit accounts (excluding retirement accounts) of more than $250,000 RCONF052 36
Averaging method used RCONK653 2
Number of retirement deposit accounts of more than $250,000 RCONF048 1
Schedule RC-R, Part I: Regulatory Capital Components and Ratios (17 items)

About Schedule RC-R, Part I · Senath State Bank regulatory capital components and ratios trends

Senath State Bank Schedule RC-R, Part I, Q2 2026
Line item Code Q2 2026
Average total assets (net of deductions) RCOAA224 $100.9M
Average total consolidated assets RCOAKW03 $100.9M
Total assets RCOA2170 $97.3M
Common equity tier 1 capital RCOAP859 $15.6M
Subtotal of common equity tier 1 capital, adjustments and deductions RCOAP852 $15.6M
Tier 1 capital allowable under the risk-based capital guidelines RCOA8274 $15.6M
Common equity tier 1 capital before adjustments and deductions RCOAP840 $15.5M
Retained Earnings RCOAKW00 $15.1M
Off-balance sheet exposures, Unused portion of conditionally cancellable commitments RCOAKX79 $1.8M
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 $1.8M
Common equity tier 1 capital, common stock plus related surplus, net of treasury stock and unearned employee stock ownership plan (ESOP) shares RCOAP742 $500K
Accumulated other comprehensive income RCOAB530 -$43K
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 -$43K
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 0.1545
Total off-balance sheet exposures (sum of items 15a through 15.c) RCOAKX83 0.0189
Schedule RI-A: Changes in Bank Equity Capital (5 items)

About Schedule RI-A

Senath State Bank Schedule RI-A, Q2 2026
Line item Code Q2 2026
Balance end of previous calendar year as restated RIADB508 $15.8M
Equity capital, most recently reported for the end of previous calendar year (i.e., after adjustments from amended reports of income) RIAD3217 $15.8M
Total equity capital RIAD3210 $15.5M
Cash dividends declared on common stock RIAD4460 $1.2M
Other comprehensive income RIADB511 -$120K
Schedule RI-B, Part I: Charge-offs and Recoveries on Loans and Leases (6 items)

About Schedule RI-B, Part I · Senath State Bank charge-offs and recoveries on loans and leases trends

Senath State Bank Schedule RI-B, Part I, Q2 2026
Line item Code Q2 2026
Charge-offs on allowance for loan and lease losses RIAD4635 $32K
Charge-offs on closed-end loans by 1-4 family residential properties, secured by first liens RIADC234 $19K
Recoveries on allowance for loan and lease losses RIAD4605 $14K
Charge-offs on automobile loans RIADK129 $13K
Recoveries on automobile loans RIADK133 $11K
Recoveries on closed-end loans secured by 1-4 family residential properties, secured by first liens RIADC217 $3K
Schedule RI-B, Part II: Changes in Allowances for Credit Losses (3 items)

About Schedule RI-B, Part II · Senath State Bank changes in allowances for credit losses trends

Senath State Bank Schedule RI-B, Part II, Q2 2026
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 $792K
Allowance for loan and lease losses RIAD3123 $771K
Charge-offs on allowance for loan and lease losses RIADC079 $32K
Schedule RI-E: Explanations (8 items)

About Schedule RI-E

Senath State Bank Schedule RI-E, Q2 2026
Line item Code Q2 2026
Automated teller machine (ATM) and interchange expense RIADF558 $208K
Bank card and credit card interchange fees RIADF555 $204K
Operating expenses communications - postage, monthly RIAD8403 $28K
Directors' fees RIAD4136 $20K
Printing, stationery, and supplies RIADC018 $16K
Legal expense RIAD4141 $5K
Marketing and other professional services RIAD0497 $5K
Safe deposit box rent RIADC015 $3K

Senath State Bank call reports on file

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