Bank call report · Watkins, IA
The Watkins Savings Bank Call Report
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The Watkins Savings Bank filed its latest call report for the quarter ended June 30, 2026 on the FFIEC 051. Below are its 198 reported line items, schedule by schedule (483 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 | 437044 |
| FDIC certificate number | 18071 |
| Total assets | $86.7M |
Official Q2 2026 call report PDF (FFIEC) →
The Watkins Savings 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 (23 items)
About Schedule RC · The Watkins Savings Bank balance sheet trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Assets | RCON2170 | $86.7M |
| Total Liabilities, Limited-life Preferred Stock, and Equity Capital | RCON3300 | $86.7M |
| Total Liabilities and Minority Interest | RCON2948 | $75.3M |
| Total Deposits | RCON2200 | $75.0M |
| Total Interest-bearing Deposits in Foreign and Domestic Offices | RCON6636 | $62.9M |
| Available-for-sale debt securities (from Schedule RC-B, column D) | RCON1773 | $32.6M |
| Loans and Leases, Net of Unearned Income - Totals | RCONB528 | $32.5M |
| Loans and Leases, Net of Unearned Income and Allowance | RCONB529 | $32.3M |
| Federal Funds Sold | RCONB987 | $19.6M |
| Deposits: Noninterest-bearing | RCON6631 | $12.2M |
| Undivided Profits and Capital Reserves | RCON3632 | $12.1M |
| Total Equity Capital | RCON3210 | $11.4M |
| Total Equity Capital Including Noncontrolling Minority Interests in Consolidated Subsidiaries | RCONG105 | $11.4M |
| Accumulated Other Comprehensive Income | RCONB530 | -$2.0M |
| Surplus | RCON3839 | $1.4M |
| Other Assets | RCON2160 | $1.2M |
| Noninterest-bearing Balances and Currency and Coin | RCON0081 | $930K |
| Other Liabilities, Total | RCON2930 | $319K |
| Other Components of Equity Capital | RCONA130 | -$240K |
| Allowance for Loan and Lease Losses | RCON3123 | $170K |
| Common Stock | RCON3230 | $150K |
| Premises and Fixed Assets (Including Capitalized Leases) | RCON2145 | $77K |
| Interest-bearing Balances | RCON0071 | $10K |
Schedule RI: Income Statement (35 items)
About Schedule RI · The Watkins Savings Bank income statement trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Interest Income | RIAD4107 | $1.5M |
| Interest and Fee Income on Loans, Total | RIAD4010 | $945K |
| Net Interest Income | RIAD4074 | $805K |
| Total Interest Expense | RIAD4073 | $698K |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of 250000 or Less | RIADHK03 | $587K |
| Total Noninterest Expense | RIAD4093 | $578K |
| Interest and Fee Income on All Other Loans Secured by Real Estate | RIAD4436 | $404K |
| Salaries and Employee Benefits | RIAD4135 | $370K |
| Interest and Fee Income on All Other Loans in Domestic Offices | RIAD4058 | $340K |
| Interest and Fee Income on Loans to Finance Agricultural Production and Other Loans to Farmers in Domestic Offices | RIAD4024 | $339K |
| Interest Income on Federal Funds Sold and Securities Purchased Under Agreements to Resell | RIAD4020 | $295K |
| Income (Loss) Before Applicable Income Taxes and Discontinued Operations | RIAD4301 | $239K |
| 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 | $239K |
| Income (Loss) Before Discontinued Operations | RIAD4300 | $218K |
| Net Income (Loss) | RIAD4340 | $218K |
| Net Income (Loss) Attributable to Bank and Noncontrolling Minority Interests | RIADG104 | $218K |
| Other Noninterest Expense | RIAD4092 | $175K |
| Interest and Fee Income on Loans Secured by 1-4 Family Residential Properties | RIAD4435 | $159K |
| Interest on Other Securities | RIAD4060 | $135K |
| Interest and Dividend Income on Tax-exempt Securities Issued by States and Political Subdivisions in the U.S. | RIAD4507 | $130K |
| Interest and Dividend Income on Securities: U.S. Treasury Securities and U.S. Government Agency Obligations (Excluding Mortgage-backed Securities) | RIADB488 | $122K |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of More Than 250000 | RIADHK04 | $92K |
| Expenses of Premises and Fixed Assets | RIAD4217 | $33K |
| 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 | $26K |
| Applicable Income Taxes | RIAD4302 | $21K |
| Interest and Fee Income on Commercial and Industrial Loans | RIAD4012 | $16K |
| Savings Deposits (Including Mmdas) | RIAD0093 | $15K |
| Total Noninterest Income | RIAD4079 | $12K |
| Estimated Income on Tax-exempt Loans and Leases to States and Political Subdivisions in the U.S. | RIAD4313 | $7K |
| Service Charges on Deposit Accounts in Domestic Offices | RIAD4080 | $7K |
| Interest and Dividend Income on Securities: Mortgage-backed Securities | RIADB489 | $5K |
| Other Noninterest Income | RIADB497 | $5K |
| Interest on Transaction Accounts (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) | RIAD4508 | $4K |
| Other Interest Income | RIAD4518 | $1K |
| Number of Full Time Equivalent Employees on Payroll at End of Current Period | RIAD4150 | 7 |
Schedule RC-B: Securities (19 items)
About Schedule RC-B · The Watkins Savings Bank securities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Amortized Cost of Available-for-sale Securities | RCON1772 | $35.2M |
| Amortized Cost of Available-for-sale Securities Issued by States and Political Subdivisions in the U.S. | RCON8498 | $15.7M |
| Fair Value of Available-for-sale Securities Issued by States and Political Subdivisions in the U.S. | RCON8499 | $14.6M |
| US government agency obligations (exclude mortgage-backed securities), Available for sale, Amortized Cost | RCONHT52 | $11.5M |
| US government agency obligations (exclude mortgage-backed securities), Available for sale, Fair Value | RCONHT53 | $10.2M |
| 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 One Year Through Three Years | RCONA551 | $9.4M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Five Years Through Fifteen Years | RCONA553 | $8.3M |
| Amortized Cost of Available-for-sale U.S. Treasury Securities | RCON1286 | $7.5M |
| Fair Value of Available-for-sale U.S. Treasury Securities | RCON1287 | $7.4M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Years Through Five Years | RCONA552 | $7.3M |
| Fixed Rate and Floating Rate Debt Securities with a Remaining Maturity of One Year or Less | RCONA248 | $7.1M |
| Pledged Securities | RCON0416 | $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 | $4.0M |
| 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 | $3.1M |
| Amortized Cost of Structured Notes | RCON8782 | $2.0M |
| Fair Value of Structured Notes | RCON8783 | $1.7M |
| Mortgage backed securities (MBS), Issued or guarnteed by FNMA, FHLMC, or GNMA, Available for sale, Amortized Cost | RCONHT56 | $494K |
| 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 | $453K |
| Mortgage backed securities (MBS), Issued or guarnteed by FNMA, FHLMC, or GNMA, Available for sale, Fair Value | RCONHT57 | $453K |
Schedule RC-C, Part I: Loans and Leases (21 items)
About Schedule RC-C, Part I · The Watkins Savings Bank loans and leases trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Loans and Leases, Net of Unearned Income | RCON2122 | $32.5M |
| Real Estate Loans Secured by Farmland | RCON1420 | $15.0M |
| Loans to Finance Agricultural Production and Other Loans to Farmers | RCON1590 | $9.9M |
| Fixed Rate and Floating Rate Loans and Leases with a Remaining Maturity of One Year or Less | RCONA247 | $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 One Year Through Three Years | RCONA572 | $7.1M |
| 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 | $7.1M |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by First Liens | RCON5367 | $6.0M |
| 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 | $5.4M |
| 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 Three Years Through Five Years | RCONA573 | $5.4M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Five Years Through 15 Years | RCONA568 | $2.9M |
| 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 Years Through Five Years | RCONA567 | $2.4M |
| 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 Three Months Through 12 Months | RCONA571 | $1.4M |
| Commercial and Industrial Loans | RCON1766 | $543K |
| Automobile Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper) | RCONK137 | $480K |
| 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 | $391K |
| 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 | $333K |
| Loans Secured by 1-4 Family Residential Construction | RCONF158 | $210K |
| Other Consumer Loans to Individuals for Household, Family, and Other Personal Expenditures (Includes Single Payment, Installment, and All Student Loans) | RCONK207 | $185K |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by Junior Liens | RCON5368 | $93K |
| Loans Secured by Owner Occupied Nonfarm Nonresidential Properties | RCONF160 | $9K |
| Other Loans | RCONJ464 | $2K |
Schedule RC-C, Part II: Loans to Small Businesses and Small Farms (14 items)
| 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 $250,000 Through $500,000 | RCON5583 | $5.8M |
| 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 | $4.6M |
| 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 | $3.6M |
| Amount Currently Outstanding of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5585 | $3.2M |
| Amount Currently Outstanding of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of More Than $250,000 Through $500,000 | RCON5589 | $1.5M |
| 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 | $1.3M |
| Number of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5584 | 78 |
| 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 | 32 |
| 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 | 24 |
| 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 | 21 |
| Number of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5578 | 19 |
| Number of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of More Than $250,000 Through $500,000 | RCON5588 | 16 |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) | RCON5563 | 6 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) | RCON5562 | 1 |
Schedule RC-E: Deposit Liabilities (23 items)
About Schedule RC-E · The Watkins Savings Bank deposit liabilities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Nontransaction Accounts (Including Mmda's) | RCON2385 | $57.6M |
| Total Nontransaction Accounts Deposits of Individuals, Partnerships, and Corporations | RCONB550 | $56.4M |
| Time Deposits of 250000 or Less with a Remaining Maturity of One Year or Less | RCONHK11 | $28.7M |
| Total Time Deposits of Less Than $100,000 | RCON6648 | $19.8M |
| Total Transaction Accounts | RCON2215 | $17.4M |
| Total Demand Deposits (See Note Below) | RCON2210 | $17.4M |
| Total Transaction Accounts - Deposits of Individuals, Partnerships, and Corporation | RCONB549 | $17.3M |
| 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 | $17.2M |
| Components of Total Nontransaction Accounts: Total Time Deposits of $100,000 Through $250,000 | RCONJ473 | $14.3M |
| 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 Three Months or Less | RCONHK07 | $11.4M |
| Money Market Deposit Accounts (Mmda's) | RCON6810 | $9.1M |
| All Time and Savings Deposits Held in IRA and Keogh Plan Accounts | RCON6835 | $8.0M |
| Other Nontransaction Savings Deposits (Excludes Mmda's) | RCON0352 | $7.5M |
| Components of Total Nontransaction Accounts: Total Time Deposits of More Than $250,000 | RCONJ474 | $6.8M |
| Individual Retirement Accounts (Iras) and Keogh Plan Accounts Included in Memorandum Item 2.C, 'Total Time Deposits of $100,000 or More,' Above | RCONF233 | $5.3M |
| 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 One Year Through Three Years | RCONHK09 | $5.0M |
| Time Deposits of More Than $250,000 with a Remaining Maturity of One or Year Less | RCONK222 | $4.6M |
| 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 | $3.8M |
| 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 | $2.2M |
| Total Nontransaction Accounts of States and Political Subdivisions in the U.S. | RCON2530 | $1.2M |
| 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 | $755K |
| 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 | $507K |
| Total Transaction Accounts - Deposits of States and Political Subdivisions in the U.S. | RCON2203 | $84K |
Schedule RC-F: Other Assets (4 items)
Schedule RC-G: Other Liabilities (2 items)
Schedule RC-K: Quarterly Averages (16 items)
About Schedule RC-K · The Watkins Savings Bank quarterly averages trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Quarterly Average of Total Assets | RCON3368 | $90.2M |
| Liabilities, Nontransaction Accounts, Time Deposits of 250000 or Less | RCONHK16 | $34.3M |
| Quarterly Average of Total Loans | RCON3360 | $32.7M |
| U.S. Treasury Securities and U.S. Government Agency Obligations (Excluding Mortgage-backed Securities) | RCONB558 | $19.0M |
| Quarterly Average of Federal Funds Sold and Securities Purchased Under Agreements to Resell | RCON3365 | $19.0M |
| Nontransaction Accounts in Domestic Offices: Savings Deposits | RCONB563 | $16.7M |
| All Other Securities | RCONB560 | $16.3M |
| Quarterly Average of All Other Loans Secured by Real Estate | RCON3466 | $15.3M |
| Quarterly Average of Loans to Finance Agricultural Production and Other Loans to Farmers | RCON3386 | $10.2M |
| Liabilities, Nontransaction Accounts, Time Deposits of More Than 250000 | RCONHK17 | $6.8M |
| Quarterly Average of Loans Secured by 1-4 Family Residential Properties | RCON3465 | $6.2M |
| Transaction Accounts (in Domestic Offices) (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) - Quarterly Average | RCON3485 | $5.2M |
| Quarterly Average of Interest-bearing Balances Due from Depository Institutions | RCON3381 | $792K |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Other | RCONB562 | $681K |
| Mortgage-backed Securities | RCONB559 | $506K |
| Quarterly Average of Commercial and Industrial Loans | RCON3387 | $448K |
Schedule RC-L: Derivatives and Off-Balance-Sheet Items (2 items)
About Schedule RC-L · The Watkins Savings Bank derivatives and off-balance-sheet items trends
Schedule RC-M: Memoranda (2 items)
About Schedule RC-M · The Watkins Savings 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 | $824K |
| Number of Executive Officers, Directors, and Principal Shareholders to Whom the Amount of All Extensions of Credit by the Reporting Bank (Including Extensions of Credit to Related Interests) Equals or Exceeds the Lesser of $500,000 or 5 Percent of Total Capital as Defined for This Purpose in Agency Regulations | RCON6165 | 1 |
Schedule RC-N: Past Due and Nonaccrual Loans, Leases, and Other Assets (2 items)
About Schedule RC-N · The Watkins Savings Bank past due and nonaccrual loans, leases, and other assets trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Loans to Individuals for Household, Family and Other Personal Expenditures: Other - Past Due 30 Through 89 Days and Still Accruing | RCONK216 | $1K |
| Total Loans and Lease Financing Receivables: Past Due 30-89 Days and Still Accruing | RCON1406 | $1K |
Schedule RC-O: Other Data for Deposit Insurance Assessments (12 items)
About Schedule RC-O · The Watkins Savings Bank other data for deposit insurance assessments trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average Consolidated Total Assets for the Calendar Quarter | RCONK652 | $90.2M |
| Total Deposit Liabilities as Defined in Section 3(1) of the Federal Deposit Insurance Act Before Exclusions | RCONF236 | $75.3M |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of $250,000 or Less | RCONF049 | $54.2M |
| Average Tangible Equity for the Calendar Quarter | RCONK654 | $13.3M |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF051 | $13.0M |
| Amount of Retirement Deposits Accounts of $250,000 or Less | RCONF045 | $5.0M |
| Amount of Retirement Deposit Accounts of More Than $250,000 | RCONF047 | $3.0M |
| Number of Deposit Accounts (Excluding Retirement Accounts)of $250,000 or Less | RCONF050 | 2,313 |
| Number of Retirement Deposit Accounts of $250,000 or Less | RCONF046 | 121 |
| Number of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF052 | 31 |
| Number of Retirement Deposit Accounts of More Than $250,000 | RCONF048 | 7 |
| Averaging Method Used | RCONK653 | 1 |
Schedule RC-R, Part I: Regulatory Capital Components and Ratios (17 items)
About Schedule RC-R, Part I · The Watkins Savings Bank regulatory capital components and ratios trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average Total Assets (Net of Deductions) | RCOAA224 | $90.2M |
| Average total consolidated assets | RCOAKW03 | $90.2M |
| Total Assets | RCOA2170 | $86.7M |
| Common Equity Tier 1 Capital | RCOAP859 | $13.4M |
| Subtotal of Common Equity Tier 1 Capital: Adjustments and Deductions | RCOAP852 | $13.4M |
| Tier 1 Capital Allowable Under the Risk-based Capital Guidelines | RCOA8274 | $13.4M |
| Retained Earnings | RCOAKW00 | $12.1M |
| Common Equity Tier 1 Capital Before Adjustments and Deductions | RCOAP840 | $11.4M |
| Off-balance sheet exposures: Unused portion of conditionally cancellable commitments | RCOAKX79 | $5.1M |
| 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 | $5.1M |
| Accumulated Other Comprehensive Income | RCOAB530 | -$2.0M |
| 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 | -$2.0M |
| Common Equity Tier 1 Capital: Common Stock Plus Related Surplus, Net of Treasury Stock and Unearned Employee Stock Ownership Plan (ESOP) Shares | RCOAP742 | $1.3M |
| 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 | 0.148 |
| Total off-balance sheet exposures (sum of items 15a through 15.c) | RCOAKX83 | 0.059 |
Schedule RI-A: Changes in Bank Equity Capital (4 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Equity Capital | RIAD3210 | $11.4M |
| Balance End of Previous Calendar Year as Restated | RIADB508 | $11.1M |
| Equity Capital, Most Recently Reported for the End of Previous Calendar Year (I.e., After Adjustments from Amended Reports of Income) | RIAD3217 | $11.1M |
| Other Comprehensive Income | RIADB511 | $58K |
Schedule RI-B, Part II: Changes in Allowances for Credit Losses (2 items)
About Schedule RI-B, Part II · The Watkins Savings Bank changes in allowances for credit losses trends
The Watkins Savings 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 The Watkins Savings Bank call report?
The The Watkins Savings 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 The Watkins Savings Bank file?
The Watkins Savings 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 The Watkins Savings Bank call report number?
A call report has no number of its own. It is filed and looked up by the bank's identifiers: The Watkins Savings Bank has Federal Reserve RSSD ID 437044 and FDIC certificate number 18071. Either one finds its filings on the FFIEC Central Data Repository.
How often does The Watkins Savings 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.
The Watkins Savings 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 18071) · FFIEC NIC profile (RSSD 437044)