Call reports 2026
CITIZENS BANK & TRUST — 2026
What CITIZENS BANK & TRUST 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 | 111,338,000 | 107,251,000 |
| Total loans | 52,003,000 | 52,982,000 |
| Allowance for loan losses | 566,000 | 559,000 |
| Securities available for sale | 50,499,000 | 46,561,000 |
| Securities held to maturity | 0 | 0 |
| Trading assets | 0 | 0 |
| Total deposits | 98,312,000 | 93,707,000 |
| Interest-bearing deposits | 75,500,000 | 70,519,000 |
| Noninterest-bearing deposits | 22,812,000 | 23,188,000 |
| Equity capital | 11,736,000 | 11,963,000 |
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 | 1,335,000 | 2,620,000 |
| Interest expense | 308,000 | 598,000 |
| Net interest income | 1,027,000 | 2,022,000 |
| Noninterest income | 90,000 | 175,000 |
| Noninterest expense | 697,000 | 1,438,000 |
| Provision for loan losses | 0 | 7,000 |
| Pretax income | 416,000 | 753,000 |
| Income tax | 0 | 0 |
| Net income | 416,000 | 753,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Tier 1 capital | 13,661,000 | 13,797,000 |