Call reports 2026
CITIZENS STATE BANK OF MILFORD — 2026
What CITIZENS STATE BANK OF MILFORD 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 | 57,905,000 | 56,922,000 |
| Total loans | 22,221,000 | 22,355,000 |
| Allowance for loan losses | 121,000 | 126,000 |
| Securities available for sale | 21,592,000 | 21,797,000 |
| Securities held to maturity | 0 | 0 |
| Trading assets | 0 | 0 |
| Total deposits | 53,052,000 | 52,042,000 |
| Interest-bearing deposits | 38,759,000 | 38,929,000 |
| Noninterest-bearing deposits | 14,293,000 | 13,113,000 |
| Equity capital | 4,548,000 | 4,553,000 |
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 | 639,000 | 1,267,000 |
| Interest expense | 91,000 | 185,000 |
| Net interest income | 548,000 | 1,082,000 |
| Noninterest income | 28,000 | 56,000 |
| Noninterest expense | 498,000 | 975,000 |
| Provision for loan losses | 0 | 4,000 |
| Pretax income | 50,000 | 134,000 |
| Income tax | 0 | 0 |
| Net income | 50,000 | 134,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Tier 1 capital | 5,183,000 | 5,267,000 |
| Total capital | 5,324,000 | 5,409,000 |
| Risk-weighted assets | 38,467,000 | 39,445,000 |
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