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 | 488,081,000 | 488,201,000 |
| Total loans | 400,748,000 | 401,120,000 |
| Allowance for loan losses | 5,066,000 | 5,293,000 |
| Securities available for sale | 47,198,000 | 47,564,000 |
| Securities held to maturity | 0 | 0 |
| Trading assets | 0 | 0 |
| Total deposits | 411,208,000 | 410,521,000 |
| Interest-bearing deposits | 362,906,000 | 361,308,000 |
| Noninterest-bearing deposits | 48,302,000 | 49,214,000 |
| Equity capital | 45,880,000 | 47,128,000 |
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 | 6,939,000 | 14,026,000 |
| Interest expense | 2,544,000 | 5,043,000 |
| Net interest income | 4,395,000 | 8,983,000 |
| Noninterest income | 389,000 | 670,000 |
| Noninterest expense | 2,761,000 | 5,613,000 |
| Provision for loan losses | 225,000 | 450,000 |
| Pretax income | 1,798,000 | 3,590,000 |
| Income tax | 329,000 | 667,000 |
| Net income | 1,469,000 | 2,923,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Tier 1 capital | 47,445,000 | 48,699,000 |