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 | 478,405,000 | 511,354,000 |
| Total loans | 357,656,000 | 372,612,000 |
| Allowance for loan losses | 4,171,000 | 4,421,000 |
| Securities available for sale | 54,870,000 | 50,887,000 |
| Securities held to maturity | 2,000,000 | 2,000,000 |
| Trading assets | 0 | 0 |
| Total deposits | 416,089,000 | 449,153,000 |
| Interest-bearing deposits | 321,878,000 | 350,044,000 |
| Noninterest-bearing deposits | 94,211,000 | 99,108,000 |
| Equity capital | 58,981,000 | 59,335,000 |
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 | 7,119,000 | 13,802,000 |
| Interest expense | 2,088,000 | 4,244,000 |
| Net interest income | 5,031,000 | 9,558,000 |
| Noninterest income | 317,000 | 428,000 |
| Noninterest expense | 3,830,000 | 7,678,000 |
| Provision for loan losses | 330,000 | 660,000 |
| Pretax income | 1,188,000 | 1,648,000 |
| Income tax | 233,000 | 314,000 |
| Net income | 955,000 | 1,334,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Tier 1 capital | 63,717,000 | 64,190,000 |
| Total capital | 68,477,000 | 69,200,000 |
| Risk-weighted assets | 397,442,000 | 384,393,000 |