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 | 699,726,000 | 690,633,000 |
| Total loans | 457,326,000 | 467,651,000 |
| Allowance for loan losses | 5,806,000 | 5,899,000 |
| Securities available for sale | 182,256,000 | 184,284,000 |
| Securities held to maturity | 0 | 0 |
| Trading assets | 0 | 0 |
| Total deposits | 634,466,000 | 622,818,000 |
| Interest-bearing deposits | 496,035,000 | 490,093,000 |
| Noninterest-bearing deposits | 138,431,000 | 132,725,000 |
| Equity capital | 63,184,000 | 64,974,000 |
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 | 8,319,000 | 16,880,000 |
| Interest expense | 2,616,000 | 5,195,000 |
| Net interest income | 5,703,000 | 11,685,000 |
| Noninterest income | 990,000 | 1,895,000 |
| Noninterest expense | 4,812,000 | 9,627,000 |
| Provision for loan losses | -112,000 | 12,000 |
| Pretax income | 1,989,000 | 3,940,000 |
| Income tax | 272,000 | 534,000 |
| Net income | 1,717,000 | 3,406,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Tier 1 capital | 67,552,000 | 68,201,000 |
| Total capital | 73,363,000 | 74,105,000 |
| Risk-weighted assets | 538,269,000 | 545,347,000 |
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