Call reports 2026
CITIZENS FIRST BANK — 2026
What CITIZENS FIRST 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 | 359,329,000 | 361,256,000 |
| Total loans | 276,974,000 | 286,488,000 |
| Allowance for loan losses | 3,200,000 | 3,348,000 |
| Securities available for sale | 59,005,000 | 58,482,000 |
| Securities held to maturity | 0 | 0 |
| Trading assets | 0 | 0 |
| Total deposits | 288,929,000 | 278,670,000 |
| Interest-bearing deposits | 254,365,000 | 245,249,000 |
| Noninterest-bearing deposits | 34,564,000 | 33,421,000 |
| Equity capital | 22,765,000 | 23,611,000 |
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 | 4,814,000 | 9,916,000 |
| Interest expense | 2,150,000 | 4,274,000 |
| Net interest income | 2,664,000 | 5,642,000 |
| Noninterest income | 484,000 | 1,037,000 |
| Noninterest expense | 2,041,000 | 4,244,000 |
| Provision for loan losses | 145,000 | 299,000 |
| Pretax income | 957,000 | 2,120,000 |
| Income tax | 35,000 | 79,000 |
| Net income | 922,000 | 2,041,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Tier 1 capital | 30,240,000 | 30,488,000 |
| Total capital | 33,486,000 | 33,893,000 |
| Risk-weighted assets | 306,506,000 | 305,686,000 |