Call reports 2025
CITIZENS BANK, NATIONAL ASSOCIATION — 2025
What CITIZENS BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 |
|---|---|---|
| Total assets | 131,682,000 | 131,721,000 |
| Total loans | 75,325,000 | 74,744,000 |
| Allowance for loan losses | 1,160,000 | 1,159,000 |
| Securities available for sale | 40,510,000 | 39,367,000 |
| Securities held to maturity | 0 | 0 |
| Trading assets | 0 | 0 |
| Total deposits | 116,616,000 | 116,558,000 |
| Interest-bearing deposits | 77,993,000 | 76,998,000 |
| Noninterest-bearing deposits | 38,623,000 | 39,560,000 |
| Equity capital | 14,752,000 | 14,710,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 |
|---|---|---|
| Interest income | 1,643,000 | 3,315,000 |
| Interest expense | 574,000 | 1,160,000 |
| Net interest income | 1,069,000 | 2,155,000 |
| Noninterest income | 98,000 | 204,000 |
| Noninterest expense | 738,000 | 1,476,000 |
| Provision for loan losses | 0 | 0 |
| Pretax income | 429,000 | 883,000 |
| Income tax | 0 | 0 |
| Net income | 429,000 | 883,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 |
|---|---|---|
| Tier 1 capital | 12,475,000 | 12,679,000 |
| Total capital | 13,635,000 | 13,838,000 |
| Risk-weighted assets | 95,634,000 | 95,533,000 |