Call reports 2026
CITIZENS BANK OF SWAINSBORO, THE — 2026
What CITIZENS BANK OF SWAINSBORO, THE 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 | 418,889,000 | 420,467,000 |
| Total loans | 294,782,000 | 299,020,000 |
| Allowance for loan losses | 5,665,000 | 5,836,000 |
| Securities available for sale | 52,642,000 | 53,145,000 |
| Securities held to maturity | 0 | 0 |
| Trading assets | 0 | 0 |
| Total deposits | 365,675,000 | 365,063,000 |
| Interest-bearing deposits | 255,709,000 | 263,822,000 |
| Noninterest-bearing deposits | 109,966,000 | 101,241,000 |
| Equity capital | 48,900,000 | 50,714,000 |
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 | 6,193,000 | 12,632,000 |
| Interest expense | 1,419,000 | 2,870,000 |
| Net interest income | 4,774,000 | 9,762,000 |
| Noninterest income | 467,000 | 1,182,000 |
| Noninterest expense | 2,703,000 | 5,668,000 |
| Provision for loan losses | 180,000 | 342,000 |
| Pretax income | 2,358,000 | 4,916,000 |
| Income tax | 514,000 | 1,087,000 |
| Net income | 1,844,000 | 3,829,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Tier 1 capital | 49,546,000 | 51,554,000 |
| Total capital | 52,923,000 | 54,993,000 |
| Risk-weighted assets | 267,689,000 | 272,521,000 |