Call reports 2026
CITIZENS GUARANTY BANK — 2026
What CITIZENS GUARANTY 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 | 299,247,000 | 303,590,000 |
| Total loans | 271,842,000 | 282,223,000 |
| Allowance for loan losses | 3,260,000 | 3,188,000 |
| Securities available for sale | 7,943,000 | 7,162,000 |
| Securities held to maturity | 0 | 0 |
| Trading assets | 0 | 0 |
| Total deposits | 263,305,000 | 260,663,000 |
| Interest-bearing deposits | 175,007,000 | 174,830,000 |
| Noninterest-bearing deposits | 88,298,000 | 85,833,000 |
| Equity capital | 26,227,000 | 25,643,000 |
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 | 5,029,000 | 9,991,000 |
| Interest expense | 1,120,000 | 2,263,000 |
| Net interest income | 3,909,000 | 7,728,000 |
| Noninterest income | 722,000 | 1,353,000 |
| Noninterest expense | 3,119,000 | 6,362,000 |
| Provision for loan losses | 200,000 | 440,000 |
| Pretax income | 1,312,000 | 2,279,000 |
| Income tax | 0 | 11,000 |
| Net income | 1,312,000 | 2,268,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Tier 1 capital | 26,451,000 | 25,859,000 |
| Total capital | 29,243,000 | 28,746,000 |
| Risk-weighted assets | 222,786,000 | 230,559,000 |