Call reports 2026
MERCHANTS & CITIZENS BANK, THE — 2026
What MERCHANTS & CITIZENS BANK, 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 | 148,123,000 | 145,987,000 |
| Total loans | 53,316,000 | 53,234,000 |
| Allowance for loan losses | 1,163,000 | 1,171,000 |
| Securities available for sale | 77,174,000 | 75,515,000 |
| Securities held to maturity | 0 | 0 |
| Trading assets | 0 | 0 |
| Total deposits | 131,991,000 | 128,715,000 |
| Interest-bearing deposits | 89,851,000 | 87,385,000 |
| Noninterest-bearing deposits | 42,140,000 | 41,330,000 |
| Equity capital | 14,030,000 | 14,963,000 |
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 | 1,504,000 | 3,034,000 |
| Interest expense | 387,000 | 757,000 |
| Net interest income | 1,117,000 | 2,277,000 |
| Noninterest income | 85,000 | 164,000 |
| Noninterest expense | 946,000 | 1,858,000 |
| Provision for loan losses | 35,000 | 71,000 |
| Pretax income | 221,000 | 512,000 |
| Income tax | -9,000 | -41,000 |
| Net income | 230,000 | 553,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Tier 1 capital | 18,655,000 | 18,963,000 |
| Total capital | 19,699,000 | 19,999,000 |
| Risk-weighted assets | 83,409,000 | 82,803,000 |