Call reports 2026
CITIZENS STATE BANK — 2026
What CITIZENS STATE BANK 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 | 543,781,000 | 581,012,000 |
| Total loans | 415,416,000 | 455,543,000 |
| Allowance for loan losses | 4,685,000 | 5,068,000 |
| Securities available for sale | 58,669,000 | 53,389,000 |
| Securities held to maturity | 0 | 0 |
| Trading assets | 0 | 0 |
| Total deposits | 496,515,000 | 530,453,000 |
| Interest-bearing deposits | 357,033,000 | 375,871,000 |
| Noninterest-bearing deposits | 139,482,000 | 154,582,000 |
| Equity capital | 45,009,000 | 48,049,000 |
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 | 8,195,000 | 18,018,000 |
| Interest expense | 2,783,000 | 5,865,000 |
| Net interest income | 5,412,000 | 12,153,000 |
| Noninterest income | 832,000 | 1,714,000 |
| Noninterest expense | 2,877,000 | 5,843,000 |
| Provision for loan losses | 229,000 | 1,181,000 |
| Pretax income | 2,984,000 | 6,323,000 |
| Income tax | 574,000 | 1,276,000 |
| Net income | 2,410,000 | 5,047,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Tier 1 capital | 46,527,000 | 49,166,000 |