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 | 33,205,000 | 35,554,000 |
| Total loans | 29,667,000 | 31,367,000 |
| Allowance for loan losses | 217,000 | 227,000 |
| Securities available for sale | 0 | 0 |
| Securities held to maturity | 0 | 0 |
| Trading assets | 0 | 0 |
| Total deposits | 26,973,000 | 27,771,000 |
| Interest-bearing deposits | 23,738,000 | 24,573,000 |
| Noninterest-bearing deposits | 3,235,000 | 3,198,000 |
| Equity capital | 3,850,000 | 3,977,000 |
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 | 575,000 | 1,170,000 |
| Interest expense | 191,000 | 391,000 |
| Net interest income | 384,000 | 779,000 |
| Noninterest income | 39,000 | 59,000 |
| Noninterest expense | 234,000 | 493,000 |
| Provision for loan losses | 12,000 | 21,000 |
| Pretax income | 177,000 | 324,000 |
| Income tax | 43,000 | 63,000 |
| Net income | 134,000 | 261,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Tier 1 capital | 3,850,000 | 3,977,000 |