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 | 280,464,000 | 270,086,000 |
| Total loans | 208,002,000 | 211,856,000 |
| Allowance for loan losses | 2,670,000 | 2,484,000 |
| Securities available for sale | 19,848,000 | 21,061,000 |
| Securities held to maturity | 0 | 0 |
| Trading assets | 0 | 0 |
| Total deposits | 250,798,000 | 239,569,000 |
| Interest-bearing deposits | 190,576,000 | 188,385,000 |
| Noninterest-bearing deposits | 60,222,000 | 51,184,000 |
| Equity capital | 28,831,000 | 29,592,000 |
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 | 4,275,000 | 8,718,000 |
| Interest expense | 1,436,000 | 2,837,000 |
| Net interest income | 2,839,000 | 5,881,000 |
| Noninterest income | 201,000 | 378,000 |
| Noninterest expense | 1,270,000 | 2,559,000 |
| Provision for loan losses | 105,000 | 195,000 |
| Pretax income | 1,665,000 | 3,505,000 |
| Income tax | 0 | 0 |
| Net income | 1,665,000 | 3,505,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Tier 1 capital | 28,932,000 | 29,773,000 |