Call reports 2026
CITIZENS BANK AND TRUST COMPANY — 2026
What CITIZENS BANK AND TRUST COMPANY 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 | 583,253,000 | 577,555,000 |
| Total loans | 283,848,000 | 288,481,000 |
| Allowance for loan losses | 3,635,000 | 3,685,000 |
| Securities available for sale | 206,445,000 | 211,592,000 |
| Securities held to maturity | 0 | 0 |
| Trading assets | 0 | 0 |
| Total deposits | 492,987,000 | 485,497,000 |
| Interest-bearing deposits | 372,093,000 | 361,375,000 |
| Noninterest-bearing deposits | 120,894,000 | 124,122,000 |
| Equity capital | 80,605,000 | 83,002,000 |
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 | 7,194,000 | 14,640,000 |
| Interest expense | 1,208,000 | 2,379,000 |
| Net interest income | 5,986,000 | 12,261,000 |
| Noninterest income | 764,000 | 1,988,000 |
| Noninterest expense | 3,310,000 | 6,686,000 |
| Provision for loan losses | 60,000 | 100,000 |
| Pretax income | 3,385,000 | 7,468,000 |
| Income tax | 643,000 | 1,366,000 |
| Net income | 2,742,000 | 6,102,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Tier 1 capital | 88,019,000 | 90,604,000 |