Call reports 2026
CITIZENS BANK — 2026
What CITIZENS BANK 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 | 495,119,000 | 488,811,000 |
| Total loans | 332,173,000 | 327,150,000 |
| Allowance for loan losses | 8,069,000 | 8,146,000 |
| Securities available for sale | 54,055,000 | 52,021,000 |
| Securities held to maturity | 147,000 | 136,000 |
| Trading assets | 0 | 0 |
| Total deposits | 444,244,000 | 441,598,000 |
| Interest-bearing deposits | 311,866,000 | 325,057,000 |
| Noninterest-bearing deposits | 132,378,000 | 116,541,000 |
| Equity capital | 32,593,000 | 33,294,000 |
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 | 7,174,000 | 14,376,000 |
| Interest expense | 1,885,000 | 3,881,000 |
| Net interest income | 5,289,000 | 10,495,000 |
| Noninterest income | 265,000 | 521,000 |
| Noninterest expense | 4,108,000 | 8,352,000 |
| Provision for loan losses | 75,000 | 150,000 |
| Pretax income | 1,371,000 | 2,514,000 |
| Income tax | 308,000 | 540,000 |
| Net income | 1,063,000 | 1,974,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Tier 1 capital | 32,984,000 | 33,797,000 |
| Total capital | 37,191,000 | 38,028,000 |
| Risk-weighted assets | 332,767,000 | 334,606,000 |