Call reports 2026
CITIZENS BANK OF THE SOUTH — 2026
What CITIZENS BANK OF THE SOUTH 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 | 395,451,000 | 395,072,000 |
| Total loans | 295,439,000 | 303,777,000 |
| Allowance for loan losses | 3,711,000 | 3,732,000 |
| Securities available for sale | 41,062,000 | 46,185,000 |
| Securities held to maturity | 0 | 0 |
| Trading assets | 0 | 0 |
| Total deposits | 342,799,000 | 345,620,000 |
| Interest-bearing deposits | 228,061,000 | 230,882,000 |
| Noninterest-bearing deposits | 114,738,000 | 114,738,000 |
| Equity capital | 46,814,000 | 48,352,000 |
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 | 5,904,000 | 12,144,000 |
| Interest expense | 1,396,000 | 2,975,000 |
| Net interest income | 4,508,000 | 9,169,000 |
| Noninterest income | 406,000 | 777,000 |
| Noninterest expense | 2,898,000 | 5,776,000 |
| Provision for loan losses | 60,000 | 120,000 |
| Pretax income | 1,956,000 | 4,050,000 |
| Income tax | 520,000 | 1,015,000 |
| Net income | 1,436,000 | 3,035,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Tier 1 capital | 47,035,000 | 48,634,000 |
| Total capital | 50,436,000 | 52,095,000 |
| Risk-weighted assets | 271,685,000 | 276,534,000 |