Call reports 2026
CITIZENS NATIONAL BANK — 2026
What CITIZENS NATIONAL 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 | 668,018,000 | 691,811,000 |
| Total loans | 429,095,000 | 422,361,000 |
| Allowance for loan losses | 6,666,000 | 6,500,000 |
| Securities available for sale | 200,249,000 | 200,307,000 |
| Securities held to maturity | 0 | 0 |
| Trading assets | 0 | 0 |
| Total deposits | 582,102,000 | 603,962,000 |
| Interest-bearing deposits | 456,633,000 | 473,126,000 |
| Noninterest-bearing deposits | 125,469,000 | 130,836,000 |
| Equity capital | 83,149,000 | 85,286,000 |
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 | 8,662,000 | 17,646,000 |
| Interest expense | 2,557,000 | 5,215,000 |
| Net interest income | 6,105,000 | 12,431,000 |
| Noninterest income | 377,000 | 775,000 |
| Noninterest expense | 3,123,000 | 6,340,000 |
| Provision for loan losses | 14,000 | -153,000 |
| Pretax income | 3,345,000 | 6,839,000 |
| Income tax | 711,000 | 1,429,000 |
| Net income | 2,634,000 | 5,410,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Tier 1 capital | 84,639,000 | 87,413,000 |
| Total capital | 91,050,000 | 93,777,000 |
| Risk-weighted assets | 512,570,000 | 508,800,000 |