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 | 486,204,000 | 466,261,000 |
| Total loans | 298,689,000 | 297,584,000 |
| Allowance for loan losses | 3,894,000 | 3,793,000 |
| Securities available for sale | 96,252,000 | 95,810,000 |
| Securities held to maturity | 0 | 0 |
| Trading assets | 0 | 0 |
| Total deposits | 423,317,000 | 401,331,000 |
| Interest-bearing deposits | 277,382,000 | 267,622,000 |
| Noninterest-bearing deposits | 145,935,000 | 133,709,000 |
| Equity capital | 58,444,000 | 59,770,000 |
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 | 6,714,000 | 13,550,000 |
| Interest expense | 1,103,000 | 2,184,000 |
| Net interest income | 5,611,000 | 11,366,000 |
| Noninterest income | 1,138,000 | 2,240,000 |
| Noninterest expense | 3,821,000 | 7,584,000 |
| Provision for loan losses | 143,000 | 326,000 |
| Pretax income | 2,785,000 | 5,696,000 |
| Income tax | 0 | 0 |
| Net income | 2,785,000 | 5,696,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Tier 1 capital | 63,164,000 | 64,375,000 |
| Total capital | 66,944,000 | 68,039,000 |
| Risk-weighted assets | 302,241,000 | 292,935,000 |