Call reports 2026
CITIZENS BANK AND TRUST COMPANY — 2026
What CITIZENS BANK AND TRUST COMPANY 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 | 471,372,000 | 480,828,000 |
| Total loans | 349,875,000 | 363,116,000 |
| Allowance for loan losses | 3,564,000 | 3,676,000 |
| Securities available for sale | 27,454,000 | 24,716,000 |
| Securities held to maturity | 28,916,000 | 43,917,000 |
| Trading assets | 0 | 0 |
| Total deposits | 410,214,000 | 405,420,000 |
| Interest-bearing deposits | 290,584,000 | 284,609,000 |
| Noninterest-bearing deposits | 119,630,000 | 120,811,000 |
| Equity capital | 54,299,000 | 55,643,000 |
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 | 6,442,000 | 12,990,000 |
| Interest expense | 1,753,000 | 3,508,000 |
| Net interest income | 4,689,000 | 9,482,000 |
| Noninterest income | 369,000 | 783,000 |
| Noninterest expense | 3,327,000 | 6,585,000 |
| Provision for loan losses | 147,000 | 294,000 |
| Pretax income | 1,581,000 | 3,380,000 |
| Income tax | 341,000 | 758,000 |
| Net income | 1,240,000 | 2,622,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Tier 1 capital | 54,644,000 | 56,025,000 |
| Total capital | 58,451,000 | 59,948,000 |
| Risk-weighted assets | 387,455,000 | 401,177,000 |
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