Call reports 2026
CITIZENS BANK — 2026
What CITIZENS 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 | 362,378,000 | 357,447,000 |
| Total loans | 316,290,000 | 314,032,000 |
| Allowance for loan losses | 5,151,000 | 5,146,000 |
| Securities available for sale | 7,779,000 | 7,720,000 |
| Securities held to maturity | 0 | 0 |
| Trading assets | 0 | 0 |
| Total deposits | 311,096,000 | 305,372,000 |
| Interest-bearing deposits | 232,083,000 | 231,090,000 |
| Noninterest-bearing deposits | 79,013,000 | 74,282,000 |
| Equity capital | 46,777,000 | 47,766,000 |
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 | 5,149,000 | 10,295,000 |
| Interest expense | 1,651,000 | 3,198,000 |
| Net interest income | 3,498,000 | 7,097,000 |
| Noninterest income | 259,000 | 532,000 |
| Noninterest expense | 2,282,000 | 4,620,000 |
| Provision for loan losses | 0 | 0 |
| Pretax income | 1,479,000 | 3,003,000 |
| Income tax | 307,000 | 623,000 |
| Net income | 1,172,000 | 2,380,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Tier 1 capital | 46,827,000 | 47,836,000 |
| Total capital | 50,790,000 | 51,807,000 |
| Risk-weighted assets | 315,797,000 | 316,474,000 |
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