Call reports 2026
CITIZENS BANK — 2026
What CITIZENS 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 | 194,453,000 | 188,086,000 |
| Total loans | 167,802,000 | 170,421,000 |
| Allowance for loan losses | 1,820,000 | 1,844,000 |
| Securities available for sale | 1,989,000 | 1,962,000 |
| Securities held to maturity | 0 | 0 |
| Trading assets | 0 | 0 |
| Total deposits | 178,907,000 | 171,121,000 |
| Interest-bearing deposits | 113,926,000 | 109,836,000 |
| Noninterest-bearing deposits | 64,981,000 | 61,285,000 |
| Equity capital | 14,953,000 | 14,791,000 |
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 | 3,254,000 | 6,654,000 |
| Interest expense | 506,000 | 996,000 |
| Net interest income | 2,748,000 | 5,658,000 |
| Noninterest income | 161,000 | 322,000 |
| Noninterest expense | 1,773,000 | 3,627,000 |
| Provision for loan losses | 30,000 | 60,000 |
| Pretax income | 1,106,000 | 2,293,000 |
| Income tax | 0 | 0 |
| Net income | 1,106,000 | 2,293,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Tier 1 capital | 14,880,000 | 14,743,000 |
| Total capital | 16,700,000 | 16,587,000 |
| Risk-weighted assets | 155,203,000 | 152,187,000 |