Call reports 2026
UNITED CITIZENS BANK & TRUST COMPANY — 2026
What UNITED CITIZENS BANK & TRUST COMPANY 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 | 226,433,000 | 219,331,000 |
| Total loans | 178,939,000 | 177,605,000 |
| Allowance for loan losses | 1,660,000 | 1,664,000 |
| Securities available for sale | 19,519,000 | 18,705,000 |
| Securities held to maturity | 1,000,000 | 0 |
| Trading assets | 0 | 0 |
| Total deposits | 199,709,000 | 197,478,000 |
| Interest-bearing deposits | 140,817,000 | 138,683,000 |
| Noninterest-bearing deposits | 58,892,000 | 58,795,000 |
| Equity capital | 20,667,000 | 21,005,000 |
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 | 3,057,000 | 6,240,000 |
| Interest expense | 692,000 | 1,410,000 |
| Net interest income | 2,365,000 | 4,830,000 |
| Noninterest income | 174,000 | 364,000 |
| Noninterest expense | 1,840,000 | 3,631,000 |
| Provision for loan losses | 15,000 | 30,000 |
| Pretax income | 684,000 | 1,533,000 |
| Income tax | 163,000 | 370,000 |
| Net income | 521,000 | 1,163,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Tier 1 capital | 21,743,000 | 22,109,000 |