Call reports 2026
CITIZENS BANK OF KENTUCKY, INC — 2026
What CITIZENS BANK OF KENTUCKY, INC 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 | 685,951,000 | 669,889,000 |
| Total loans | 342,213,000 | 346,502,000 |
| Allowance for loan losses | 4,973,000 | 4,942,000 |
| Securities available for sale | 259,678,000 | 252,873,000 |
| Securities held to maturity | 0 | 0 |
| Trading assets | 0 | 0 |
| Total deposits | 588,820,000 | 570,974,000 |
| Interest-bearing deposits | 409,664,000 | 400,116,000 |
| Noninterest-bearing deposits | 179,156,000 | 170,858,000 |
| Equity capital | 88,480,000 | 89,880,000 |
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 | 7,259,000 | 14,661,000 |
| Interest expense | 1,869,000 | 3,632,000 |
| Net interest income | 5,390,000 | 11,029,000 |
| Noninterest income | 1,151,000 | 2,286,000 |
| Noninterest expense | 4,461,000 | 8,875,000 |
| Provision for loan losses | 80,000 | 80,000 |
| Pretax income | 2,009,000 | 4,358,000 |
| Income tax | 369,000 | 825,000 |
| Net income | 1,640,000 | 3,533,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Tier 1 capital | 89,652,000 | 90,745,000 |
| Total capital | 94,432,000 | 95,576,000 |
| Risk-weighted assets | 382,111,000 | 386,287,000 |