Call reports 2026
CITIZENS NATIONAL BANK OF ALBION — 2026
What CITIZENS NATIONAL BANK OF ALBION 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 | 353,381,000 | 348,502,000 |
| Total loans | 226,379,000 | 226,168,000 |
| Allowance for loan losses | 3,275,000 | 3,188,000 |
| Securities available for sale | 95,428,000 | 94,130,000 |
| Securities held to maturity | 0 | 0 |
| Trading assets | 0 | 0 |
| Total deposits | 289,407,000 | 283,894,000 |
| Interest-bearing deposits | 232,367,000 | 228,964,000 |
| Noninterest-bearing deposits | 57,040,000 | 54,930,000 |
| Equity capital | 59,972,000 | 60,445,000 |
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 | 4,324,000 | 8,727,000 |
| Interest expense | 1,176,000 | 2,313,000 |
| Net interest income | 3,148,000 | 6,414,000 |
| Noninterest income | 351,000 | 727,000 |
| Noninterest expense | 1,777,000 | 3,585,000 |
| Provision for loan losses | 45,000 | 90,000 |
| Pretax income | 1,677,000 | 3,466,000 |
| Income tax | 401,000 | 828,000 |
| Net income | 1,276,000 | 2,638,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Tier 1 capital | 60,619,000 | 61,381,000 |
| Total capital | 63,648,000 | 64,399,000 |
| Risk-weighted assets | 241,996,000 | 241,202,000 |