Bank call report · Watertown, NY
WSB Municipal Bank Call Report
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WSB Municipal Bank filed its latest call report for the quarter ended June 30, 2026 on the FFIEC 051. Below are its 98 reported line items, schedule by schedule (560 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 | 858818 |
| FDIC certificate number | 7274 |
| Total assets | $152.3M |
Official Q2 2026 call report PDF (FFIEC) →
WSB Municipal 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 (14 items)
About Schedule RC · WSB Municipal Bank balance sheet trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Assets | RCON2170 | $152.3M |
| Total Liabilities, Limited-life Preferred Stock, and Equity Capital | RCON3300 | $152.3M |
| Available-for-sale debt securities (from Schedule RC-B, column D) | RCON1773 | $144.3M |
| Total Liabilities and Minority Interest | RCON2948 | $128.8M |
| Total Deposits | RCON2200 | $98.5M |
| Total Interest-bearing Deposits in Foreign and Domestic Offices | RCON6636 | $56.1M |
| Deposits: Noninterest-bearing | RCON6631 | $42.3M |
| Other Liabilities, Total | RCON2930 | $30.4M |
| Undivided Profits and Capital Reserves | RCON3632 | $24.6M |
| Total Equity Capital | RCON3210 | $23.4M |
| Total Equity Capital Including Noncontrolling Minority Interests in Consolidated Subsidiaries | RCONG105 | $23.4M |
| Interest-bearing Balances | RCON0071 | $6.5M |
| Other Assets | RCON2160 | $1.5M |
| Accumulated Other Comprehensive Income | RCONB530 | -$1.1M |
Schedule RI: Income Statement (18 items)
About Schedule RI · WSB Municipal Bank income statement trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Interest Income | RIAD4107 | $2.7M |
| Interest and Dividend Income on Securities: U.S. Treasury Securities and U.S. Government Agency Obligations (Excluding Mortgage-backed Securities) | RIADB488 | $2.5M |
| Net Interest Income | RIAD4074 | $2.4M |
| Income (Loss) Before Applicable Income Taxes and Discontinued Operations | RIAD4301 | $2.3M |
| 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 | $2.3M |
| Income (Loss) Before Discontinued Operations | RIAD4300 | $1.8M |
| Net Income (Loss) | RIAD4340 | $1.8M |
| Net Income (Loss) Attributable to Bank and Noncontrolling Minority Interests | RIADG104 | $1.8M |
| Applicable Income Taxes | RIAD4302 | $499K |
| Total Interest Expense | RIAD4073 | $339K |
| Savings Deposits (Including Mmdas) | RIAD0093 | $198K |
| Interest Income on Balances Due from Depository Institutions | RIAD4115 | $187K |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of More Than 250000 | RIADHK04 | $125K |
| Total Noninterest Expense | RIAD4093 | $52K |
| Other Noninterest Expense | RIAD4092 | $51K |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of 250000 or Less | RIADHK03 | $8K |
| Interest on Transaction Accounts (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) | RIAD4508 | $8K |
| Expenses of Premises and Fixed Assets | RIAD4217 | $1K |
Schedule RC-B: Securities (14 items)
About Schedule RC-B · WSB Municipal Bank securities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Amortized Cost of Available-for-sale Securities | RCON1772 | $145.8M |
| Pledged Securities | RCON0416 | $133.9M |
| Amortized Cost of Available-for-sale U.S. Treasury Securities | RCON1286 | $73.4M |
| Fair Value of Available-for-sale U.S. Treasury Securities | RCON1287 | $72.7M |
| US government agency obligations (exclude mortgage-backed securities), Available for sale, Amortized Cost | RCONHT52 | $72.4M |
| US government agency obligations (exclude mortgage-backed securities), Available for sale, Fair Value | RCONHT53 | $71.6M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Years Through Five Years | RCONA552 | $60.7M |
| 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 | $42.5M |
| Fixed Rate and Floating Rate Debt Securities with a Remaining Maturity of One Year or Less | RCONA248 | $24.0M |
| 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 | $18.0M |
| 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 Five Years Through Fifteen Years | RCONA553 | $17.1M |
| 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 Three Months of Less | RCONA549 | $6.0M |
| Amortized Cost of Structured Notes | RCON8782 | $4.2M |
| Fair Value of Structured Notes | RCON8783 | $4.1M |
Schedule RC-E: Deposit Liabilities (14 items)
About Schedule RC-E · WSB Municipal Bank deposit liabilities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Nontransaction Accounts (Including Mmda's) | RCON2385 | $56.1M |
| Total Nontransaction Accounts of States and Political Subdivisions in the U.S. | RCON2530 | $56.1M |
| Other Nontransaction Savings Deposits (Excludes Mmda's) | RCON0352 | $47.5M |
| Total Demand Deposits (See Note Below) | RCON2210 | $42.3M |
| Total Transaction Accounts | RCON2215 | $42.3M |
| Total Transaction Accounts - Deposits of States and Political Subdivisions in the U.S. | RCON2203 | $42.3M |
| Components of Total Nontransaction Accounts: Total Time Deposits of More Than $250,000 | RCONJ474 | $8.0M |
| 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 | $8.0M |
| Time Deposits of More Than $250,000 with a Remaining Maturity of One or Year Less | RCONK222 | $8.0M |
| Time Deposits of 250000 or Less with a Remaining Maturity of One Year or Less | RCONHK11 | $624K |
| 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 | $520K |
| Total Time Deposits of Less Than $100,000 | RCON6648 | $483K |
| Components of Total Nontransaction Accounts: Total Time Deposits of $100,000 Through $250,000 | RCONJ473 | $141K |
| 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 | $104K |
Schedule RC-F: Other Assets (2 items)
Schedule RC-G: Other Liabilities (4 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| All Other Liabilities | RCON2938 | $30.3M |
| First Itemized Amount That Exceeds 25% of All Other Liabilities (2938) or (2942) | RCON3552 | $30.3M |
| Other Expenses Accrued and Unpaid | RCON3646 | $105K |
| Interest Accrued and Unpaid on Deposits (in Domestic Offices) | RCON3645 | $1K |
Schedule RC-K: Quarterly Averages (6 items)
About Schedule RC-K · WSB Municipal Bank quarterly averages trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Quarterly Average of Total Assets | RCON3368 | $161.3M |
| U.S. Treasury Securities and U.S. Government Agency Obligations (Excluding Mortgage-backed Securities) | RCONB558 | $148.2M |
| Nontransaction Accounts in Domestic Offices: Savings Deposits | RCONB563 | $56.1M |
| Quarterly Average of Interest-bearing Balances Due from Depository Institutions | RCON3381 | $11.7M |
| Liabilities, Nontransaction Accounts, Time Deposits of More Than 250000 | RCONHK17 | $7.1M |
| Liabilities, Nontransaction Accounts, Time Deposits of 250000 or Less | RCONHK16 | $696K |
Schedule RC-O: Other Data for Deposit Insurance Assessments (9 items)
About Schedule RC-O · WSB Municipal Bank other data for deposit insurance assessments trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average Consolidated Total Assets for the Calendar Quarter | RCONK652 | $161.3M |
| Total Deposit Liabilities as Defined in Section 3(1) of the Federal Deposit Insurance Act Before Exclusions | RCONF236 | $98.5M |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF051 | $89.0M |
| Average Tangible Equity for the Calendar Quarter | RCONK654 | $24.2M |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of $250,000 or Less | RCONF049 | $9.5M |
| Legal Title and FDIC Certificate Number of Parent Institution | RCONA545 | 15,990 |
| Number of Deposit Accounts (Excluding Retirement Accounts)of $250,000 or Less | RCONF050 | 309 |
| Number of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF052 | 74 |
| Averaging Method Used | RCONK653 | 1 |
Schedule RC-R, Part I: Regulatory Capital Components and Ratios (13 items)
About Schedule RC-R, Part I · WSB Municipal Bank regulatory capital components and ratios trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average Total Assets (Net of Deductions) | RCOAA224 | $161.3M |
| Average total consolidated assets | RCOAKW03 | $161.3M |
| Total Assets | RCOA2170 | $152.3M |
| Common Equity Tier 1 Capital | RCOAP859 | $24.6M |
| Retained Earnings | RCOAKW00 | $24.6M |
| Subtotal of Common Equity Tier 1 Capital: Adjustments and Deductions | RCOAP852 | $24.6M |
| Tier 1 Capital Allowable Under the Risk-based Capital Guidelines | RCOA8274 | $24.6M |
| Common Equity Tier 1 Capital Before Adjustments and Deductions | RCOAP840 | $23.4M |
| Accumulated Other Comprehensive Income | RCOAB530 | -$1.1M |
| 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 | -$1.1M |
| 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 | 0.1523 |
Schedule RI-A: Changes in Bank Equity Capital (4 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Equity Capital | RIAD3210 | $23.4M |
| Balance End of Previous Calendar Year as Restated | RIADB508 | $22.5M |
| Equity Capital, Most Recently Reported for the End of Previous Calendar Year (I.e., After Adjustments from Amended Reports of Income) | RIAD3217 | $22.5M |
| Other Comprehensive Income | RIADB511 | -$938K |
WSB Municipal 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 WSB Municipal Bank call report?
The WSB Municipal 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 WSB Municipal Bank file?
WSB Municipal 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 WSB Municipal Bank call report number?
A call report has no number of its own. It is filed and looked up by the bank's identifiers: WSB Municipal Bank has Federal Reserve RSSD ID 858818 and FDIC certificate number 7274. Either one finds its filings on the FFIEC Central Data Repository.
How often does WSB Municipal 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.
WSB Municipal 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 7274) · FFIEC NIC profile (RSSD 858818)