Call reports 2026
CITIZENS' BANK, INC. — 2026
What CITIZENS' BANK, INC. 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 | 158,628,000 | 158,861,000 |
| Total loans | 83,985,000 | 85,525,000 |
| Allowance for loan losses | 965,000 | 946,000 |
| Securities available for sale | 41,534,000 | 43,821,000 |
| Securities held to maturity | 17,474,000 | 17,473,000 |
| Trading assets | 0 | 0 |
| Total deposits | 143,657,000 | 143,072,000 |
| Interest-bearing deposits | 94,961,000 | 93,954,000 |
| Noninterest-bearing deposits | 48,696,000 | 49,118,000 |
| Equity capital | 14,335,000 | 15,044,000 |
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 | 1,859,000 | 3,834,000 |
| Interest expense | 492,000 | 984,000 |
| Net interest income | 1,367,000 | 2,850,000 |
| Noninterest income | 89,000 | 166,000 |
| Noninterest expense | 978,000 | 1,992,000 |
| Provision for loan losses | 53,000 | 53,000 |
| Pretax income | 425,000 | 971,000 |
| Income tax | 28,000 | 56,000 |
| Net income | 397,000 | 915,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Tier 1 capital | 17,246,000 | 17,764,000 |