Call reports 2026
CITIZENS STATE BANK OF LOYAL — 2026
What CITIZENS STATE BANK OF LOYAL 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 | 307,286,000 | 311,539,000 |
| Total loans | 175,704,000 | 181,950,000 |
| Allowance for loan losses | 1,980,000 | 1,976,000 |
| Securities available for sale | 85,042,000 | 81,690,000 |
| Securities held to maturity | 7,435,000 | 9,330,000 |
| Trading assets | 0 | 0 |
| Total deposits | 242,765,000 | 250,330,000 |
| Interest-bearing deposits | 198,380,000 | 199,855,000 |
| Noninterest-bearing deposits | 44,385,000 | 50,475,000 |
| Equity capital | 30,910,000 | 31,825,000 |
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 | 3,690,000 | 7,379,000 |
| Interest expense | 1,299,000 | 2,575,000 |
| Net interest income | 2,391,000 | 4,804,000 |
| Noninterest income | 326,000 | 657,000 |
| Noninterest expense | 1,701,000 | 3,380,000 |
| Provision for loan losses | 88,000 | 91,000 |
| Pretax income | 1,031,000 | 2,066,000 |
| Income tax | 132,000 | 266,000 |
| Net income | 899,000 | 1,800,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Tier 1 capital | 36,120,000 | 35,946,000 |
| Total capital | 38,210,000 | — |
| Risk-weighted assets | 207,690,000 | — |