Call reports 2026
CITIZENS STATE BANK — 2026
What CITIZENS STATE 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 | 189,893,000 | 190,617,000 |
| Total loans | 121,604,000 | 121,986,000 |
| Allowance for loan losses | 1,589,000 | 1,470,000 |
| Securities available for sale | 51,794,000 | 59,218,000 |
| Securities held to maturity | 0 | 0 |
| Trading assets | 0 | 0 |
| Total deposits | 168,158,000 | 165,656,000 |
| Interest-bearing deposits | 118,230,000 | 118,623,000 |
| Noninterest-bearing deposits | 49,928,000 | 47,033,000 |
| Equity capital | 20,987,000 | 20,857,000 |
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 | 2,661,000 | 5,337,000 |
| Interest expense | 745,000 | 1,460,000 |
| Net interest income | 1,916,000 | 3,877,000 |
| Noninterest income | 230,000 | 455,000 |
| Noninterest expense | 1,140,000 | 2,341,000 |
| Provision for loan losses | 90,000 | 180,000 |
| Pretax income | 916,000 | 1,811,000 |
| Income tax | 0 | 0 |
| Net income | 916,000 | 1,811,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Tier 1 capital | 22,674,000 | 22,619,000 |