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 | 1,166,670,000 | 1,201,077,000 |
| Total loans | 611,503,000 | 623,929,000 |
| Allowance for loan losses | 6,575,000 | 6,500,000 |
| Securities available for sale | 270,116,000 | 288,272,000 |
| Securities held to maturity | 33,197,000 | 32,638,000 |
| Trading assets | 0 | 0 |
| Total deposits | 1,064,707,000 | 1,102,667,000 |
| Interest-bearing deposits | 855,965,000 | 878,131,000 |
| Noninterest-bearing deposits | 208,742,000 | 224,536,000 |
| Equity capital | 75,666,000 | 75,667,000 |
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 | 12,432,000 | 25,416,000 |
| Interest expense | 5,329,000 | 10,820,000 |
| Net interest income | 7,103,000 | 14,596,000 |
| Noninterest income | 1,512,000 | 3,188,000 |
| Noninterest expense | 6,861,000 | 13,891,000 |
| Provision for loan losses | 0 | 0 |
| Pretax income | 1,754,000 | 3,706,000 |
| Income tax | 105,000 | 236,000 |
| Net income | 1,649,000 | 3,470,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Tier 1 capital | 103,940,000 | 104,986,000 |
| Total capital | 110,798,000 | 111,956,000 |
| Risk-weighted assets | 698,867,000 | 715,603,000 |