Call reports 2026
CITIZENS STATE BANK — 2026
What CITIZENS STATE 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 | 136,763,000 | 137,738,000 |
| Total loans | 72,847,000 | 77,449,000 |
| Allowance for loan losses | 566,000 | 564,000 |
| Securities available for sale | 49,613,000 | 48,822,000 |
| Securities held to maturity | 0 | 0 |
| Trading assets | 0 | 0 |
| Total deposits | 111,388,000 | 111,977,000 |
| Interest-bearing deposits | 85,760,000 | 86,489,000 |
| Noninterest-bearing deposits | 25,628,000 | 25,488,000 |
| Equity capital | 21,785,000 | 22,297,000 |
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 | 1,720,000 | 3,528,000 |
| Interest expense | 572,000 | 1,131,000 |
| Net interest income | 1,148,000 | 2,397,000 |
| Noninterest income | 49,000 | 105,000 |
| Noninterest expense | 747,000 | 1,434,000 |
| Provision for loan losses | 30,000 | 60,000 |
| Pretax income | 408,000 | 1,014,000 |
| Income tax | 23,000 | 38,000 |
| Net income | 385,000 | 976,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Tier 1 capital | 24,618,000 | 25,086,000 |
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