Call reports 2026
CITIZENS BANK OF MORGANTOWN, INC. — 2026
What CITIZENS BANK OF MORGANTOWN, INC. 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 | 51,901,000 | 52,591,000 |
| Total loans | 38,110,000 | 39,755,000 |
| Allowance for loan losses | 776,000 | 781,000 |
| Securities available for sale | 9,983,000 | 9,978,000 |
| Securities held to maturity | 0 | 0 |
| Trading assets | 0 | 0 |
| Total deposits | 42,067,000 | 42,527,000 |
| Interest-bearing deposits | 33,313,000 | 33,825,000 |
| Noninterest-bearing deposits | 8,754,000 | 8,702,000 |
| Equity capital | 9,080,000 | 9,245,000 |
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 | 704,000 | 1,441,000 |
| Interest expense | 122,000 | 249,000 |
| Net interest income | 582,000 | 1,192,000 |
| Noninterest income | 22,000 | 58,000 |
| Noninterest expense | 446,000 | 863,000 |
| Provision for loan losses | 5,000 | 10,000 |
| Pretax income | 153,000 | 377,000 |
| Income tax | 36,000 | 84,000 |
| Net income | 117,000 | 293,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Tier 1 capital | 9,587,000 | 9,735,000 |