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 | 507,541,000 | 507,038,000 |
| Total loans | 296,189,000 | 316,202,000 |
| Allowance for loan losses | 3,126,000 | 3,327,000 |
| Securities available for sale | 152,181,000 | 154,044,000 |
| Securities held to maturity | 0 | 0 |
| Trading assets | 0 | 0 |
| Total deposits | 457,786,000 | 456,621,000 |
| Interest-bearing deposits | 340,168,000 | 347,923,000 |
| Noninterest-bearing deposits | 117,618,000 | 108,698,000 |
| Equity capital | 43,988,000 | 45,063,000 |
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 | 6,001,000 | 12,310,000 |
| Interest expense | 2,247,000 | 4,555,000 |
| Net interest income | 3,754,000 | 7,755,000 |
| Noninterest income | 252,000 | 516,000 |
| Noninterest expense | 1,835,000 | 3,654,000 |
| Provision for loan losses | 95,000 | 293,000 |
| Pretax income | 2,068,000 | 4,336,000 |
| Income tax | 370,000 | 808,000 |
| Net income | 1,698,000 | 3,528,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Tier 1 capital | 52,408,000 | 53,429,000 |