Call reports 2026
CITIZENS BANK AND TRUST COMPANY — 2026
What CITIZENS BANK AND 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 | 105,444,000 | 98,552,000 |
| Total loans | 64,476,000 | 70,960,000 |
| Allowance for loan losses | 1,900,000 | 1,882,000 |
| Securities available for sale | 0 | 0 |
| Securities held to maturity | 29,581,000 | 12,642,000 |
| Trading assets | 0 | 0 |
| Total deposits | 89,175,000 | 83,045,000 |
| Interest-bearing deposits | 60,734,000 | 58,498,000 |
| Noninterest-bearing deposits | 28,441,000 | 24,547,000 |
| Equity capital | 13,882,000 | 14,047,000 |
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 | 1,596,000 | 3,152,000 |
| Interest expense | 367,000 | 708,000 |
| Net interest income | 1,229,000 | 2,444,000 |
| Noninterest income | 163,000 | 333,000 |
| Noninterest expense | 1,048,000 | 2,122,000 |
| Provision for loan losses | 47,000 | 57,000 |
| Pretax income | 297,000 | 598,000 |
| Income tax | 64,000 | 130,000 |
| Net income | 233,000 | 468,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Tier 1 capital | 13,882,000 | 14,047,000 |
| Total capital | 14,868,000 | 15,093,000 |
| Risk-weighted assets | 77,937,000 | 82,862,000 |