Call reports 2026
CITIZENS COMMUNITY BANK — 2026
What CITIZENS COMMUNITY 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 | 538,565,000 | 531,041,000 |
| Total loans | 275,916,000 | 281,025,000 |
| Allowance for loan losses | 4,952,000 | 7,986,000 |
| Securities available for sale | 115,446,000 | 114,978,000 |
| Securities held to maturity | 79,500,000 | 77,491,000 |
| Trading assets | 0 | 0 |
| Total deposits | 450,279,000 | 446,077,000 |
| Interest-bearing deposits | 393,042,000 | 389,043,000 |
| Noninterest-bearing deposits | 57,237,000 | 57,034,000 |
| Equity capital | 49,030,000 | 47,055,000 |
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 | 6,014,000 | 12,061,000 |
| Interest expense | 2,807,000 | 5,716,000 |
| Net interest income | 3,207,000 | 6,345,000 |
| Noninterest income | 284,000 | 324,000 |
| Noninterest expense | 2,183,000 | 4,665,000 |
| Provision for loan losses | 288,000 | 3,298,000 |
| Pretax income | 1,008,000 | -1,307,000 |
| Income tax | 183,000 | -500,000 |
| Net income | 825,000 | -807,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Tier 1 capital | 55,283,000 | 53,198,000 |