Call reports 2026
CITIZENS STATE BANK AND TRUST COMPANY — 2026
What CITIZENS STATE BANK AND TRUST COMPANY 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 | 106,009,000 | 103,622,000 |
| Total loans | 62,692,000 | 65,648,000 |
| Allowance for loan losses | 612,000 | 612,000 |
| Securities available for sale | 23,658,000 | 22,691,000 |
| Securities held to maturity | 0 | 0 |
| Trading assets | 0 | 0 |
| Total deposits | 81,192,000 | 79,602,000 |
| Interest-bearing deposits | 63,530,000 | 60,974,000 |
| Noninterest-bearing deposits | 17,662,000 | 18,628,000 |
| Equity capital | 18,486,000 | 18,743,000 |
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 | 1,279,000 | 2,580,000 |
| Interest expense | 185,000 | 373,000 |
| Net interest income | 1,094,000 | 2,207,000 |
| Noninterest income | 220,000 | 449,000 |
| Noninterest expense | 775,000 | 1,526,000 |
| Provision for loan losses | 0 | 0 |
| Pretax income | 539,000 | 1,130,000 |
| Income tax | 13,000 | 29,000 |
| Net income | 526,000 | 1,101,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Tier 1 capital | 18,833,000 | 19,038,000 |
| Total capital | 19,455,000 | 19,660,000 |
| Risk-weighted assets | 61,803,000 | 63,832,000 |