Call reports 2026
CITIZENS STATE BANK AND TRUST COMPANY, THE — 2026
What CITIZENS STATE BANK AND TRUST COMPANY, THE 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 | 88,336,000 | 96,101,000 |
| Total loans | 75,844,000 | 82,472,000 |
| Allowance for loan losses | 790,000 | 820,000 |
| Securities available for sale | 878,000 | 625,000 |
| Securities held to maturity | 0 | 0 |
| Trading assets | 0 | 0 |
| Total deposits | 77,653,000 | 84,341,000 |
| Interest-bearing deposits | 66,155,000 | 70,158,000 |
| Noninterest-bearing deposits | 11,498,000 | 14,183,000 |
| Equity capital | 7,258,000 | 8,233,000 |
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 | 1,516,000 | 3,162,000 |
| Interest expense | 480,000 | 990,000 |
| Net interest income | 1,036,000 | 2,172,000 |
| Noninterest income | 41,000 | 61,000 |
| Noninterest expense | 637,000 | 1,276,000 |
| Provision for loan losses | 30,000 | 60,000 |
| Pretax income | 410,000 | 897,000 |
| Income tax | 4,000 | 19,000 |
| Net income | 406,000 | 878,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Tier 1 capital | 7,256,000 | 8,234,000 |
| Total capital | 8,046,000 | 9,054,000 |
| Risk-weighted assets | 75,583,000 | 82,610,000 |