Call reports 2026
CITIZENS NATIONAL BANK OF SOMERSET, THE — 2026
What CITIZENS NATIONAL BANK OF SOMERSET, THE 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 | 706,473,000 | 700,903,000 |
| Total loans | 368,722,000 | 384,179,000 |
| Allowance for loan losses | 5,593,000 | 5,654,000 |
| Securities available for sale | 295,551,000 | 285,568,000 |
| Securities held to maturity | 0 | 0 |
| Trading assets | 0 | 0 |
| Total deposits | 565,107,000 | 568,983,000 |
| Interest-bearing deposits | 352,037,000 | 359,663,000 |
| Noninterest-bearing deposits | 213,070,000 | 209,320,000 |
| Equity capital | 40,314,000 | 41,097,000 |
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 | 8,479,000 | 17,216,000 |
| Interest expense | 2,809,000 | 5,578,000 |
| Net interest income | 5,670,000 | 11,638,000 |
| Noninterest income | 1,172,000 | 2,406,000 |
| Noninterest expense | 3,864,000 | 7,815,000 |
| Provision for loan losses | 75,000 | 150,000 |
| Pretax income | 2,903,000 | 6,062,000 |
| Income tax | 0 | 0 |
| Net income | 2,903,000 | 6,062,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Tier 1 capital | 64,621,000 | 65,812,000 |
| Total capital | 70,067,000 | 71,398,000 |
| Risk-weighted assets | 435,527,000 | 446,818,000 |