Call reports 2026
CITIZENS BANK OF GEORGIA, THE — 2026
What CITIZENS BANK OF GEORGIA, 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 | 622,032,000 | 598,515,000 |
| Total loans | 324,528,000 | 326,181,000 |
| Allowance for loan losses | 4,244,000 | 4,332,000 |
| Securities available for sale | 245,988,000 | 235,511,000 |
| Securities held to maturity | 0 | 0 |
| Trading assets | 0 | 0 |
| Total deposits | 556,326,000 | 531,294,000 |
| Interest-bearing deposits | 331,883,000 | 321,725,000 |
| Noninterest-bearing deposits | 224,443,000 | 209,569,000 |
| Equity capital | 63,181,000 | 65,473,000 |
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 | 7,718,000 | 15,559,000 |
| Interest expense | 1,770,000 | 3,486,000 |
| Net interest income | 5,948,000 | 12,073,000 |
| Noninterest income | 284,000 | 574,000 |
| Noninterest expense | 2,457,000 | 4,894,000 |
| Provision for loan losses | 60,000 | 120,000 |
| Pretax income | 3,715,000 | 7,633,000 |
| Income tax | 947,000 | 1,947,000 |
| Net income | 2,768,000 | 5,686,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Tier 1 capital | 68,042,000 | 70,962,000 |
| Total capital | 72,443,000 | 75,451,000 |
| Risk-weighted assets | 376,094,000 | 378,207,000 |