Call reports 2026
CITIZENS BANK — 2026
What CITIZENS 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 | 834,392,000 | 832,450,000 |
| Total loans | 454,012,000 | 467,125,000 |
| Allowance for loan losses | 5,578,000 | 5,730,000 |
| Securities available for sale | 322,217,000 | 329,540,000 |
| Securities held to maturity | 0 | 0 |
| Trading assets | 0 | 0 |
| Total deposits | 724,408,000 | 715,988,000 |
| Interest-bearing deposits | 560,311,000 | 558,464,000 |
| Noninterest-bearing deposits | 164,097,000 | 157,524,000 |
| Equity capital | 104,331,000 | 111,841,000 |
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 | 11,165,000 | 22,528,000 |
| Interest expense | 3,904,000 | 7,710,000 |
| Net interest income | 7,261,000 | 14,818,000 |
| Noninterest income | 394,000 | 858,000 |
| Noninterest expense | 2,168,000 | 4,433,000 |
| Provision for loan losses | 159,000 | 319,000 |
| Pretax income | 5,328,000 | 10,925,000 |
| Income tax | 1,096,000 | 2,382,000 |
| Net income | 4,232,000 | 8,543,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Tier 1 capital | 136,417,000 | 140,729,000 |