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 | 253,307,000 | 250,355,000 |
| Total loans | 217,722,000 | 215,193,000 |
| Allowance for loan losses | 2,169,000 | 2,175,000 |
| Securities available for sale | 15,296,000 | 13,447,000 |
| Securities held to maturity | 0 | 0 |
| Trading assets | 0 | 0 |
| Total deposits | 220,423,000 | 221,562,000 |
| Interest-bearing deposits | 195,961,000 | 197,651,000 |
| Noninterest-bearing deposits | 24,462,000 | 23,911,000 |
| Equity capital | 20,019,000 | 20,803,000 |
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 | 3,729,000 | 7,512,000 |
| Interest expense | 1,321,000 | 2,649,000 |
| Net interest income | 2,408,000 | 4,863,000 |
| Noninterest income | 475,000 | 893,000 |
| Noninterest expense | 1,875,000 | 3,726,000 |
| Provision for loan losses | 30,000 | 60,000 |
| Pretax income | 978,000 | 1,970,000 |
| Income tax | 0 | 0 |
| Net income | 978,000 | 1,970,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Tier 1 capital | 19,974,000 | 20,701,000 |
| Total capital | 22,143,000 | 22,876,000 |
| Risk-weighted assets | 178,274,000 | 177,201,000 |
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