Call reports 2026
CITIZENS BANK & TRUST COMPANY — 2026
What CITIZENS BANK & 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 | 562,966,000 | 566,429,000 |
| Total loans | 316,493,000 | 310,811,000 |
| Allowance for loan losses | 4,648,000 | 4,680,000 |
| Securities available for sale | 117,053,000 | 121,389,000 |
| Securities held to maturity | 22,777,000 | 22,354,000 |
| Trading assets | 0 | 0 |
| Total deposits | 498,393,000 | 503,174,000 |
| Interest-bearing deposits | 379,189,000 | 377,783,000 |
| Noninterest-bearing deposits | 119,204,000 | 125,391,000 |
| Equity capital | 62,023,000 | 61,076,000 |
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 | 7,035,000 | 14,317,000 |
| Interest expense | 2,093,000 | 4,125,000 |
| Net interest income | 4,942,000 | 10,192,000 |
| Noninterest income | 732,000 | 1,409,000 |
| Noninterest expense | 2,711,000 | 5,532,000 |
| Provision for loan losses | 136,000 | 347,000 |
| Pretax income | 2,783,000 | 5,689,000 |
| Income tax | 646,000 | 1,335,000 |
| Net income | 2,137,000 | 4,354,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Tier 1 capital | 67,197,000 | 66,414,000 |