Call reports 2026
CITIZENS BANK COMPANY, THE — 2026
What CITIZENS BANK COMPANY, 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 | 329,652,000 | 334,640,000 |
| Total loans | 193,957,000 | 191,251,000 |
| Allowance for loan losses | 5,560,000 | 5,625,000 |
| Securities available for sale | 88,252,000 | 95,334,000 |
| Securities held to maturity | 28,580,000 | 28,758,000 |
| Trading assets | 0 | 0 |
| Total deposits | 285,508,000 | 291,041,000 |
| Interest-bearing deposits | 220,473,000 | 222,522,000 |
| Noninterest-bearing deposits | 65,035,000 | 68,519,000 |
| Equity capital | 39,871,000 | 41,758,000 |
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 | 3,991,000 | 7,981,000 |
| Interest expense | 1,115,000 | 2,200,000 |
| Net interest income | 2,876,000 | 5,781,000 |
| Noninterest income | 303,000 | 631,000 |
| Noninterest expense | 1,793,000 | 3,841,000 |
| Provision for loan losses | 42,000 | 102,000 |
| Pretax income | 1,386,000 | 2,571,000 |
| Income tax | 75,000 | 153,000 |
| Net income | 1,311,000 | 2,418,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Tier 1 capital | 45,554,000 | 45,619,000 |