Call reports 2026
CITIZENS BANK & TRUST COMPANY OF ARDMORE — 2026
What CITIZENS BANK & TRUST COMPANY OF ARDMORE 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 | 322,969,000 | 318,806,000 |
| Total loans | 207,834,000 | 212,001,000 |
| Allowance for loan losses | 2,079,000 | 2,109,000 |
| Securities available for sale | 57,352,000 | 57,106,000 |
| Securities held to maturity | 30,918,000 | 30,186,000 |
| Trading assets | 0 | 0 |
| Total deposits | 273,734,000 | 268,895,000 |
| Interest-bearing deposits | 213,456,000 | 207,695,000 |
| Noninterest-bearing deposits | 60,278,000 | 61,200,000 |
| Equity capital | 29,562,000 | 30,304,000 |
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 | 3,833,000 | 7,720,000 |
| Interest expense | 1,087,000 | 2,171,000 |
| Net interest income | 2,746,000 | 5,549,000 |
| Noninterest income | 522,000 | 1,051,000 |
| Noninterest expense | 2,009,000 | 4,018,000 |
| Provision for loan losses | 8,000 | 40,000 |
| Pretax income | 1,251,000 | 2,542,000 |
| Income tax | 0 | 0 |
| Net income | 1,251,000 | 2,542,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Tier 1 capital | 33,819,000 | 34,792,000 |
| Total capital | 35,898,000 | 36,900,000 |
| Risk-weighted assets | 207,190,000 | 211,670,000 |