Call reports 2026
CITIZENS BANK & TRUST COMPANY — 2026
What CITIZENS BANK & TRUST COMPANY 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 | 188,414,000 | 183,708,000 |
| Total loans | 117,390,000 | 115,683,000 |
| Allowance for loan losses | 1,423,000 | 1,560,000 |
| Securities available for sale | 22,247,000 | 25,204,000 |
| Securities held to maturity | 0 | 0 |
| Trading assets | 0 | 0 |
| Total deposits | 167,320,000 | 162,229,000 |
| Interest-bearing deposits | 122,085,000 | 121,232,000 |
| Noninterest-bearing deposits | 45,235,000 | 40,997,000 |
| Equity capital | 19,293,000 | 19,485,000 |
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 | 2,494,000 | 4,932,000 |
| Interest expense | 833,000 | 1,648,000 |
| Net interest income | 1,661,000 | 3,284,000 |
| Noninterest income | 94,000 | 187,000 |
| Noninterest expense | 1,238,000 | 2,552,000 |
| Provision for loan losses | 60,000 | 236,000 |
| Pretax income | 441,000 | 720,000 |
| Income tax | 91,000 | 144,000 |
| Net income | 350,000 | 576,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Tier 1 capital | 20,540,000 | 20,766,000 |