Call reports 2026
CITIZENS BANK AND TRUST — 2026
What CITIZENS BANK AND TRUST reported to the FFIEC in 2026, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Total assets | 1,476,326,000 | 1,480,129,000 |
| Total loans | 852,523,000 | 884,116,000 |
| Allowance for loan losses | 9,459,000 | 9,722,000 |
| Securities available for sale | 505,429,000 | 496,333,000 |
| Securities held to maturity | 0 | 0 |
| Trading assets | 0 | 0 |
| Total deposits | 1,396,341,000 | 1,397,842,000 |
| Interest-bearing deposits | 971,474,000 | 986,199,000 |
| Noninterest-bearing deposits | 424,867,000 | 411,643,000 |
| Equity capital | 57,763,000 | 60,761,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Interest income | 16,186,000 | 32,771,000 |
| Interest expense | 4,865,000 | 9,799,000 |
| Net interest income | 11,321,000 | 22,972,000 |
| Noninterest income | 2,903,000 | 6,134,000 |
| Noninterest expense | 9,678,000 | 19,102,000 |
| Provision for loan losses | -797,000 | -489,000 |
| Pretax income | 5,337,000 | 10,501,000 |
| Income tax | 0 | 0 |
| Net income | 5,337,000 | 10,501,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Tier 1 capital | 119,551,000 | 122,925,000 |
| Total capital | 129,546,000 | 133,171,000 |
| Risk-weighted assets | 956,046,000 | 971,644,000 |