Call reports 2026
CITIZENS SAVINGS BANK AND TRUST COMPANY — 2026
What CITIZENS SAVINGS BANK AND 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 | 185,611,000 | 188,060,000 |
| Total loans | 160,926,000 | 160,220,000 |
| Allowance for loan losses | 1,818,000 | 1,688,000 |
| Securities available for sale | 6,744,000 | 6,168,000 |
| Securities held to maturity | 0 | 0 |
| Trading assets | 0 | 0 |
| Total deposits | 159,652,000 | 156,454,000 |
| Interest-bearing deposits | 136,456,000 | 133,327,000 |
| Noninterest-bearing deposits | 23,196,000 | 23,127,000 |
| Equity capital | 17,576,000 | 17,587,000 |
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 | 2,723,000 | 5,512,000 |
| Interest expense | 1,133,000 | 2,308,000 |
| Net interest income | 1,590,000 | 3,204,000 |
| Noninterest income | 183,000 | 300,000 |
| Noninterest expense | 1,424,000 | 3,077,000 |
| Provision for loan losses | 62,000 | 115,000 |
| Pretax income | 282,000 | 307,000 |
| Income tax | 93,000 | 101,000 |
| Net income | 189,000 | 206,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Tier 1 capital | 17,764,000 | 17,781,000 |
| Total capital | 19,311,000 | 19,326,000 |
| Risk-weighted assets | 123,504,000 | 123,478,000 |