Call report 2025Q4
CITIZENS GUARANTY BANK — 2025Q4
The 22 measures CITIZENS GUARANTY BANK reported to the FFIEC for 2025Q4, each linked to its source filing.
Balance sheet
What the bank holds and owes at quarter end
| Measure | Value | Unit | Source |
|---|---|---|---|
| Total assets | 299,764,000 | USD | evidence → |
| Total loans | 272,711,000 | USD | evidence → |
| Allowance for loan losses | 3,191,000 | USD | evidence → |
| Securities available for sale | 8,561,000 | USD | evidence → |
| Securities held to maturity | 0 | USD | evidence → |
| Trading assets | 0 | USD | evidence → |
| Total deposits | 260,221,000 | USD | evidence → |
| Interest-bearing deposits | 177,855,000 | USD | evidence → |
| Noninterest-bearing deposits | 82,366,000 | USD | evidence → |
| Equity capital | 25,041,000 | USD | evidence → |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | Value | Unit | Source |
|---|---|---|---|
| Interest income | 19,072,000 | USD | evidence → |
| Interest expense | 4,538,000 | USD | evidence → |
| Net interest income | 14,534,000 | USD | evidence → |
| Noninterest income | 2,451,000 | USD | evidence → |
| Noninterest expense | 12,252,000 | USD | evidence → |
| Provision for loan losses | 564,000 | USD | evidence → |
| Pretax income | 4,031,000 | USD | evidence → |
| Income tax | 21,000 | USD | evidence → |
| Net income | 4,010,000 | USD | evidence → |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | Value | Unit | Source |
|---|---|---|---|
| Tier 1 capital | 25,283,000 | USD | evidence → |
| Total capital | 28,071,000 | USD | evidence → |
| Risk-weighted assets | 222,576,000 | USD | evidence → |