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 | 810,448,000 | 823,403,000 |
| Total loans | 367,780,000 | 389,619,000 |
| Allowance for loan losses | 6,224,000 | 6,561,000 |
| Securities available for sale | 318,959,000 | 307,745,000 |
| Securities held to maturity | 0 | 0 |
| Trading assets | 0 | 0 |
| Total deposits | 686,159,000 | 702,514,000 |
| Interest-bearing deposits | 352,512,000 | 364,229,000 |
| Noninterest-bearing deposits | 333,647,000 | 338,285,000 |
| Equity capital | 86,737,000 | 87,151,000 |
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 | 7,493,000 | 15,097,000 |
| Interest expense | 931,000 | 1,961,000 |
| Net interest income | 6,562,000 | 13,136,000 |
| Noninterest income | 637,000 | 1,313,000 |
| Noninterest expense | 6,428,000 | 12,974,000 |
| Provision for loan losses | 40,000 | 367,000 |
| Pretax income | 738,000 | 852,000 |
| Income tax | 119,000 | 123,000 |
| Net income | 619,000 | 729,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Tier 1 capital | 113,345,000 | 113,455,000 |
| Total capital | 119,478,000 | 119,859,000 |
| Risk-weighted assets | 490,355,000 | 511,639,000 |