Call reports 2026
CITIZENS STATE BANK OF OURAY, THE — 2026
What CITIZENS STATE BANK OF OURAY, 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 | 225,576,000 | 231,193,000 |
| Total loans | 151,581,000 | 151,851,000 |
| Allowance for loan losses | 1,504,000 | 1,494,000 |
| Securities available for sale | 19,782,000 | 21,633,000 |
| Securities held to maturity | 1,319,000 | 1,297,000 |
| Trading assets | 0 | 0 |
| Total deposits | 206,958,000 | 212,286,000 |
| Interest-bearing deposits | 136,263,000 | 143,284,000 |
| Noninterest-bearing deposits | 70,695,000 | 69,002,000 |
| Equity capital | 15,732,000 | 16,177,000 |
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 | 2,675,000 | 5,441,000 |
| Interest expense | 573,000 | 1,186,000 |
| Net interest income | 2,102,000 | 4,255,000 |
| Noninterest income | 296,000 | 594,000 |
| Noninterest expense | 1,999,000 | 4,030,000 |
| Provision for loan losses | 9,000 | 29,000 |
| Pretax income | 390,000 | 790,000 |
| Income tax | 71,000 | 140,000 |
| Net income | 319,000 | 650,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Tier 1 capital | 18,699,000 | 19,028,000 |
| Total capital | 20,203,000 | 20,522,000 |
| Risk-weighted assets | 147,760,000 | 158,181,000 |