Call reports 2026
CITIZENS BANK OF COCHRAN, THE — 2026
What CITIZENS BANK OF COCHRAN, THE 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 | 205,414,000 | 201,374,000 |
| Total loans | 167,018,000 | 168,689,000 |
| Allowance for loan losses | 2,658,000 | 2,672,000 |
| Securities available for sale | 11,175,000 | 10,644,000 |
| Securities held to maturity | 0 | 0 |
| Trading assets | 0 | 0 |
| Total deposits | 173,885,000 | 169,069,000 |
| Interest-bearing deposits | 147,963,000 | 144,738,000 |
| Noninterest-bearing deposits | 25,922,000 | 24,331,000 |
| Equity capital | 28,741,000 | 29,703,000 |
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 | 3,643,000 | 7,342,000 |
| Interest expense | 899,000 | 1,823,000 |
| Net interest income | 2,744,000 | 5,519,000 |
| Noninterest income | 221,000 | 430,000 |
| Noninterest expense | 1,551,000 | 3,086,000 |
| Provision for loan losses | 15,000 | 30,000 |
| Pretax income | 1,345,000 | 2,764,000 |
| Income tax | 351,000 | 717,000 |
| Net income | 994,000 | 2,047,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Tier 1 capital | 29,171,000 | 30,224,000 |
| Total capital | 30,964,000 | 32,037,000 |
| Risk-weighted assets | 142,366,000 | 143,900,000 |