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 | 303,986,000 | 309,769,000 |
| Total loans | 184,492,000 | 174,996,000 |
| Allowance for loan losses | 1,421,000 | 1,451,000 |
| Securities available for sale | 36,015,000 | 38,462,000 |
| Securities held to maturity | 0 | 0 |
| Trading assets | 0 | 0 |
| Total deposits | 268,222,000 | 273,431,000 |
| Interest-bearing deposits | 216,564,000 | 219,758,000 |
| Noninterest-bearing deposits | 51,658,000 | 53,673,000 |
| Equity capital | 29,812,000 | 30,452,000 |
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 | 4,581,000 | 9,301,000 |
| Interest expense | 1,627,000 | 3,275,000 |
| Net interest income | 2,954,000 | 6,026,000 |
| Noninterest income | 101,000 | 211,000 |
| Noninterest expense | 1,390,000 | 2,715,000 |
| Provision for loan losses | 20,000 | 50,000 |
| Pretax income | 1,645,000 | 3,472,000 |
| Income tax | 0 | 0 |
| Net income | 1,645,000 | 3,472,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Tier 1 capital | 30,617,000 | 31,369,000 |
| Total capital | 32,039,000 | — |
| Risk-weighted assets | 196,284,000 | — |