Bank call report · West Point, VA
Citizens and Farmers Bank Call Report
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Citizens and Farmers Bank filed its latest call report for the quarter ended June 30, 2026 on the FFIEC 051. Below are its 412 reported line items, schedule by schedule (682 items filed as zero are left out). The official PDF is on the FFIEC Central Data Repository.
| Call report form | FFIEC 051 |
|---|---|
| Latest quarter filed | Q2 2026 (June 30, 2026) |
| Federal Reserve RSSD ID | 928421 |
| FDIC certificate number | 10363 |
| Total assets | $2.79B |
Official Q2 2026 call report PDF (FFIEC) →
Citizens and Farmers Bank call report by schedule, Q2 2026
Dollar amounts are as filed, in the units the form uses. Each line item links to its definition; each schedule links to the full schedule reference for the FFIEC 051.
Schedule RC: Balance Sheet (28 items)
About Schedule RC · Citizens and Farmers Bank balance sheet trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Assets | RCON2170 | $2.79B |
| Total Liabilities, Limited-life Preferred Stock, and Equity Capital | RCON3300 | $2.79B |
| Total Liabilities and Minority Interest | RCON2948 | $2.46B |
| Total Deposits | RCON2200 | $2.38B |
| Loans and Leases, Net of Unearned Income - Totals | RCONB528 | $2.12B |
| Loans and Leases, Net of Unearned Income and Allowance | RCONB529 | $2.08B |
| Total Interest-bearing Deposits in Foreign and Domestic Offices | RCON6636 | $1.80B |
| Deposits: Noninterest-bearing | RCON6631 | $576.6M |
| Available-for-sale debt securities (from Schedule RC-B, column D) | RCON1773 | $458.3M |
| Total Equity Capital Including Noncontrolling Minority Interests in Consolidated Subsidiaries | RCONG105 | $326.1M |
| Total Equity Capital | RCON3210 | $325.5M |
| Undivided Profits and Capital Reserves | RCON3632 | $232.2M |
| Surplus | RCON3839 | $98.4M |
| Other Assets | RCON2160 | $69.3M |
| Other Borrowed Money | RCON3190 | $52.7M |
| Premises and Fixed Assets (Including Capitalized Leases) | RCON2145 | $49.2M |
| Loans and Leases Held for Sale | RCON5369 | $42.9M |
| Allowance for Loan and Lease Losses | RCON3123 | $39.7M |
| Interest-bearing Balances | RCON0071 | $33.8M |
| Noninterest-bearing Balances and Currency and Coin | RCON0081 | $30.1M |
| Other Liabilities, Total | RCON2930 | $28.4M |
| Intangible Assets | RCON2143 | $26.1M |
| Goodwill | RCON3163 | $25.2M |
| Accumulated Other Comprehensive Income | RCONB530 | -$7.9M |
| Common Stock | RCON3230 | $2.8M |
| Equity securities with readily determinable fair values not held for trading | RCONJA22 | $1.7M |
| Minority Interest in Consolidated Subsidiaries and Similar Items | RCON3000 | $607K |
| Federal Funds Sold | RCONB987 | $19K |
Schedule RI: Income Statement (49 items)
About Schedule RI · Citizens and Farmers Bank income statement trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Interest Income | RIAD4107 | $79.7M |
| Interest and Fee Income on Loans, Total | RIAD4010 | $70.6M |
| Net Interest Income | RIAD4074 | $59.2M |
| Total Noninterest Expense | RIAD4093 | $49.5M |
| Salaries and Employee Benefits | RIAD4135 | $28.5M |
| Interest and Fee Income on All Other Loans Secured by Real Estate | RIAD4436 | $27.9M |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADB486 | $25.0M |
| Income (Loss) Before Applicable Income Taxes and Discontinued Operations | RIAD4301 | $22.2M |
| Total Interest Expense | RIAD4073 | $20.5M |
| Income (Loss) Before Discontinued Operations | RIAD4300 | $17.7M |
| Net Income (Loss) Attributable to Bank and Noncontrolling Minority Interests | RIADG104 | $17.7M |
| Net Income (Loss) | RIAD4340 | $17.6M |
| Total Noninterest Income | RIAD4079 | $17.2M |
| Other Noninterest Expense | RIAD4092 | $16.4M |
| Interest and Fee Income on Loans Secured by 1-4 Family Residential Properties | RIAD4435 | $15.9M |
| Income (loss) before change in net unrealized holding gains (losses) on equity securities not held for trading, applicable income taxes, and discontinued operations operations (item 3 plus or minus items 4, 5.m, 6.a, 6.b, and 7.e) | RIADHT69 | $13.5M |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of 250000 or Less | RIADHK03 | $9.8M |
| Unrealized holding gains (losses) on equity securities not held for trading | RIADHT70 | $8.7M |
| Other Noninterest Income | RIADB497 | $8.3M |
| Realized Gains (Losses) on Available-for-sale Debt Securities | RIAD3196 | -$7.1M |
| Provisions for Credit Losses on Financial Assets | RIADJJ33 | $6.2M |
| Provision for Loan and Lease Losses | RIAD4230 | $6.1M |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of More Than 250000 | RIADHK04 | $5.3M |
| Net Gains (Losses) on Sales of Loans | RIAD5416 | $5.0M |
| Expenses of Premises and Fixed Assets | RIAD4217 | $4.6M |
| Applicable Income Taxes | RIAD4302 | $4.5M |
| Interest and Dividend Income on Securities: Mortgage-backed Securities | RIADB489 | $3.8M |
| Interest on Other Securities | RIAD4060 | $3.7M |
| Savings Deposits (Including Mmdas) | RIAD0093 | $3.3M |
| Interest and Dividend Income on Tax-exempt Securities Issued by States and Political Subdivisions in the U.S. | RIAD4507 | $2.2M |
| Service Charges on Deposit Accounts in Domestic Offices | RIAD4080 | $2.1M |
| Noninterest income: Fees and commissions from securities brokerage, investment banking, advisory, and underwriting activities | RIADHT73 | $1.7M |
| Interest and Fee Income on Commercial and Industrial Loans | RIAD4012 | $1.5M |
| Interest on Transaction Accounts (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) | RIAD4508 | $1.2M |
| Interest Income on Balances Due from Depository Institutions | RIAD4115 | $1.1M |
| Other Interest Expense | RIADGW44 | $870K |
| Interest and Dividend Income on Securities: U.S. Treasury Securities and U.S. Government Agency Obligations (Excluding Mortgage-backed Securities) | RIADB488 | $440K |
| Interest and Fee Income on All Other Loans in Domestic Offices | RIAD4058 | $358K |
| Estimated Income on Tax-exempt Loans and Leases to States and Political Subdivisions in the U.S. | RIAD4313 | $357K |
| Other Interest Income | RIAD4518 | $113K |
| Less: Net Income (Loss) Attributable to Noncontrolling (Minority) Interests | RIADG103 | $110K |
| Noninterest income: Income from insurance activities | RIADHT74 | $100K |
| Net Gains (Losses) Recognized in Earnings on Assets That Are Reported at Fair Value Option | RIADF551 | $68K |
| Amortization Expense and Impairment Losses Intangible Assets | RIADC232 | $50K |
| Net Gains (Losses) on Sales of Other Assets (Excluding Securities) | RIADB496 | $18K |
| Interest Income on Federal Funds Sold and Securities Purchased Under Agreements to Resell | RIAD4020 | $8K |
| Expense of Federal Funds Purchased and Securities Sold Under Agreements to Repurchase | RIAD4180 | $1K |
| Interest and Fee Income on Loans to Finance Agricultural Production and Other Loans to Farmers in Domestic Offices | RIAD4024 | $1K |
| Number of Full Time Equivalent Employees on Payroll at End of Current Period | RIAD4150 | 582 |
Schedule RC-B: Securities (28 items)
About Schedule RC-B · Citizens and Farmers Bank securities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Mortgage-backed Securities (MBS): Other Residential MBS (Include Cmos, REMICS, and Stripped MBS): Issued or Guaranteed by FNMA, FHLMC, or GNMA - Available-for-sale Amortized Cost | RCONG314 | $247K |
| Mortgage-backed Securities (MBS): Other Residential MBS (Include Cmos, REMICS, and Stripped MBS): Issued or Guaranteed by FNMA, FHLMC, or GNMA - Available-for-sale Fair Value | RCONG315 | $229K |
| Total Amortized Cost of Available-for-sale Securities | RCON1772 | $466.7M |
| Mortgage backed securities (MBS), Issued or guarnteed by FNMA, FHLMC, or GNMA, Available for sale, Amortized Cost | RCONHT56 | $248.3M |
| Mortgage backed securities (MBS), Issued or guarnteed by FNMA, FHLMC, or GNMA, Available for sale, Fair Value | RCONHT57 | $242.6M |
| Amortized Cost of Available-for-sale Securities Issued by States and Political Subdivisions in the U.S. | RCON8498 | $153.5M |
| Fair Value of Available-for-sale Securities Issued by States and Political Subdivisions in the U.S. | RCON8499 | $153.2M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Five Years Through 15 Years | RCONA559 | $136.6M |
| Pledged Securities | RCON0416 | $118.5M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Five Years Through Fifteen Years | RCONA553 | $97.0M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over 15 Years | RCONA560 | $96.2M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Years Through Five Years | RCONA552 | $36.2M |
| Amortized Cost of Other Available-for-sale Domestic Debt Securities | RCON1739 | $33.4M |
| Fair Value of Other Available-for-sale Domestic Debt Securities | RCON1741 | $32.5M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing of Over Ffteen Years | RCONA554 | $29.9M |
| US government agency obligations (exclude mortgage-backed securities), Available for sale, Amortized Cost | RCONHT52 | $26.3M |
| US government agency obligations (exclude mortgage-backed securities), Available for sale, Fair Value | RCONHT53 | $24.8M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONA551 | $23.7M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONA550 | $20.9M |
| Fixed Rate and Floating Rate Debt Securities with a Remaining Maturity of One Year or Less | RCONA248 | $14.8M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Three Months of Less | RCONA549 | $7.8M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Years Through Five Years | RCONA558 | $7.3M |
| Amortized Cost of Available-for-sale U.S. Treasury Securities | RCON1286 | $5.0M |
| Fair Value of Available-for-sale U.S. Treasury Securities | RCON1287 | $4.9M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONA555 | $2.2M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONA557 | $329K |
| OTHER MORTGAGE-BACKED SECURITIES (INCLUDE CMOs, REMICs, AND STRIPPED MBS) WITH AN EXPECTED AVERAGE LIFE OF OVER THREE YEARS | RCONA562 | $127K |
| OTHER MORTGAGE-BACKED SECURITIES (INCLUDE CMOs, REMICs, AND STRIPPED MBS) WITH AN EXPECTED AVERAGE LIFE OF THREE YEARS OR LESS | RCONA561 | $102K |
Schedule RC-C, Part I: Loans and Leases (37 items)
About Schedule RC-C, Part I · Citizens and Farmers Bank loans and leases trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Loans and Leases, Net of Unearned Income | RCON2122 | $2.16B |
| Pledged Loans and Leases | RCONG378 | $898.0M |
| Fixed Rate and Floating Rate Loans and Leases with a Remaining Maturity of One Year or Less | RCONA247 | $567.8M |
| Loans Secured by Other Nonfarm Nonresidential Properties. | RCONF161 | $553.2M |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by First Liens | RCON5367 | $454.9M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Years Through Five Years | RCONA573 | $437.7M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Five Years Through 15 Years | RCONA574 | $430.7M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Three Months or Less | RCONA570 | $421.3M |
| Automobile Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper) | RCONK137 | $408.9M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over One Year Through Three Years | RCONA572 | $282.5M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Five Years Through 15 Years | RCONA568 | $160.6M |
| Real Estate Loans Secured by Multi-family (5 or More) Residential Properties | RCON1460 | $153.1M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Years Through Five Years | RCONA567 | $130.9M |
| Loans Secured by Owner Occupied Nonfarm Nonresidential Properties | RCONF160 | $127.6M |
| Loans Secured by Other Construction Loans and All Land Development and Other Land Loans | RCONF159 | $126.9M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Months Through 12 Months | RCONA571 | $116.8M |
| Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit | RCON1797 | $82.5M |
| Loans Secured by 1-4 Family Residential Construction | RCONF158 | $72.2M |
| Commercial and Industrial Loans | RCON1766 | $67.7M |
| Other Consumer Loans to Individuals for Household, Family, and Other Personal Expenditures (Includes Single Payment, Installment, and All Student Loans) | RCONK207 | $62.5M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Three Months or Less | RCONA564 | $56.7M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over One Year Through Three Years | RCONA566 | $48.3M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over 15 Years | RCONA569 | $41.7M |
| Obligations (Other Than Securities and Leases) of States and Political Subdivisions in the U.S. | RCON2107 | $30.2M |
| Adjustable Rate Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties | RCON5370 | $25.8M |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by Junior Liens | RCON5368 | $17.1M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Months Through 12 Months | RCONA565 | $15.8M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over 15 Years | RCONA575 | $14.3M |
| Loans to Finance Commercial Real Estate, Construction, and Land Development Activities Included in Items 1766, 1563 for (Fr Y-9C), in Items 1766, 1563 for (FFIEC 031), in Items 1766, 1564 for (FFIEC 032 and 033), and in Items 1766, 2080 for (FFIEC 034) | RCON2746 | $6.1M |
| Other Loans | RCONJ464 | $1.6M |
| Revolving, open-end lines of credit secured by 1-4 family residential properties that have converted to non-revolving closed-end status that are included in item 1.c(1) above | RCONLE75 | $1.3M |
| Real Estate Loans Secured by Farmland | RCON1420 | $664K |
| Total Loan Modifications to Borrowers Experiencing Financial Difficulty That Are in Compliance with Their Modified Terms | RCONHK25 | $278K |
| Loan Modifications to Borrowers Experiencing Financial Difficulty and in Compliance with Modified Terms: Loans Secured by 1-4 Family Residential Properties in Domestic Offices | RCONF576 | $209K |
| Loan Modifications to Borrowers Experiencing Financial Difficulty - Construction, Land Development, and Other Land Loans: 1 - 4 Family Residential Construction Loans | RCONK158 | $69K |
| Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper): Other Revolving Credit Plans | RCONB539 | $42K |
| Loans to Finance Agricultural Production and Other Loans to Farmers | RCON1590 | $23K |
Schedule RC-C, Part II: Loans to Small Businesses and Small Farms (20 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5569 | $76.4M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5575 | $14.6M |
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5567 | $12.2M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5573 | $8.1M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5571 | $6.6M |
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5565 | $954K |
| Amount Currently Outstanding of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5581 | $324K |
| Amount Currently Outstanding of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $250,000 Through $500,000 | RCON5583 | $303K |
| Amount Currently Outstanding of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5579 | $36K |
| Amount Currently Outstanding of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5585 | $23K |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5570 | 269 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5568 | 185 |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5572 | 91 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5566 | 91 |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5574 | 66 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5564 | 21 |
| Number of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5578 | 5 |
| Number of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5580 | 3 |
| Number of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $250,000 Through $500,000 | RCON5582 | 2 |
| Number of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5584 | 1 |
Schedule RC-E: Deposit Liabilities (31 items)
About Schedule RC-E · Citizens and Farmers Bank deposit liabilities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Nontransaction Accounts (Including Mmda's) | RCON2385 | $1.47B |
| Total Nontransaction Accounts Deposits of Individuals, Partnerships, and Corporations | RCONB550 | $1.41B |
| Total Transaction Accounts | RCON2215 | $911.5M |
| Total Transaction Accounts - Deposits of Individuals, Partnerships, and Corporation | RCONB549 | $813.6M |
| Total Demand Deposits (See Note Below) | RCON2210 | $583.8M |
| Time Deposits of 250000 or Less with a Remaining Maturity of One Year or Less | RCONHK11 | $559.2M |
| Money Market Deposit Accounts (Mmda's) | RCON6810 | $376.7M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONHK08 | $320.5M |
| Total Time Deposits of Less Than $100,000 | RCON6648 | $316.7M |
| Components of Total Nontransaction Accounts: Total Time Deposits of More Than $250,000 | RCONJ474 | $307.0M |
| Components of Total Nontransaction Accounts: Total Time Deposits of $100,000 Through $250,000 | RCONJ473 | $289.4M |
| Time Deposits of More Than $250,000 with a Remaining Maturity of One or Year Less | RCONK222 | $285.0M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONHK07 | $238.7M |
| Other Nontransaction Savings Deposits (Excludes Mmda's) | RCON0352 | $179.7M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONHK12 | $147.0M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONHK13 | $138.0M |
| Total Transaction Accounts - Deposits of States and Political Subdivisions in the U.S. | RCON2203 | $97.9M |
| Total Nontransaction Accounts of States and Political Subdivisions in the U.S. | RCON2530 | $59.5M |
| All Time and Savings Deposits Held in IRA and Keogh Plan Accounts | RCON6835 | $50.1M |
| Total reciprocal deposits | RCONJH83 | $44.7M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONHK09 | $43.3M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONHK14 | $21.6M |
| Selected Components of Total Deposits, Brokered Deposits of 250000 or Less (Fully Insured Brokered Deposits) | RCONHK05 | $18.0M |
| Total Brokered Deposits | RCON2365 | $18.0M |
| Individual Retirement Accounts (Iras) and Keogh Plan Accounts Included in Memorandum Item 2.C, 'Total Time Deposits of $100,000 or More,' Above | RCONF233 | $17.9M |
| Selected Components of Total Deposits, Brokered Deposits of 250000 or Less with a Remaining Maturity of One Year or Less | RCONHK06 | $15.0M |
| Sweep deposits: Fully insured, non-affiliate sweep deposits | RCONMT91 | $14.2M |
| Total sweep deposits that are not brokered deposits | RCONMT95 | $14.2M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over Three Years | RCONHK10 | $3.6M |
| Total Nontransaction Accounts of Commercial Banks and Other Depository Institutions in the U.S. | RCONB552 | $2.4M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over Three Years | RCONHK15 | $377K |
Schedule RC-F: Other Assets (7 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Other Assets | RCON2168 | $22.4M |
| Life Insurance Assets: General Account Life Insurance Assets | RCONK201 | $16.1M |
| Accrued Interest Receivable | RCONB556 | $11.8M |
| Prepaid Expenses | RCON2166 | $9.9M |
| Net Deferred Tax Assets | RCON2148 | $8.9M |
| Life Insurance Assets: Hybrid Account Life Insurance Assets | RCONK270 | $6.0M |
| Historical Cost of All Other Available-for-sale Equity Securities | RCON1752 | $4.3M |
Schedule RC-G: Other Liabilities (4 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| All Other Liabilities | RCON2938 | $15.7M |
| Other Expenses Accrued and Unpaid | RCON3646 | $7.1M |
| Interest Accrued and Unpaid on Deposits (in Domestic Offices) | RCON3645 | $3.8M |
| Allowance for Credit Losses on Off-balance Sheet Credit Exposures | RCONB557 | $1.8M |
Schedule RC-K: Quarterly Averages (18 items)
About Schedule RC-K · Citizens and Farmers Bank quarterly averages trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Quarterly Average of Total Assets | RCON3368 | $2.79B |
| Quarterly Average of Total Loans | RCON3360 | $2.14B |
| Quarterly Average of All Other Loans Secured by Real Estate | RCON3466 | $1.02B |
| Liabilities, Nontransaction Accounts, Time Deposits of 250000 or Less | RCONHK16 | $609.2M |
| Quarterly Average of Loans Secured by 1-4 Family Residential Properties | RCON3465 | $556.2M |
| Nontransaction Accounts in Domestic Offices: Savings Deposits | RCONB563 | $553.9M |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Other | RCONB562 | $503.6M |
| Transaction Accounts (in Domestic Offices) (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) - Quarterly Average | RCON3485 | $341.3M |
| Liabilities, Nontransaction Accounts, Time Deposits of More Than 250000 | RCONHK17 | $311.6M |
| Mortgage-backed Securities | RCONB559 | $237.2M |
| All Other Securities | RCONB560 | $192.8M |
| Quarterly Average of Commercial and Industrial Loans | RCON3387 | $62.0M |
| Quarterly Average of Interest-bearing Balances Due from Depository Institutions | RCON3381 | $61.3M |
| U.S. Treasury Securities and U.S. Government Agency Obligations (Excluding Mortgage-backed Securities) | RCONB558 | $45.0M |
| Quarterly Average of Other Borrowed Money | RCON3355 | $37.9M |
| Quarterly Average of Federal Funds Sold and Securities Purchased Under Agreements to Resell | RCON3365 | $237K |
| Quarterly Average of Federal Funds Purchased and Securities Sold Under Agreements to Repurchase | RCON3353 | $67K |
| Quarterly Average of Loans to Finance Agricultural Production and Other Loans to Farmers | RCON3386 | $25K |
Schedule RC-L: Derivatives and Off-Balance-Sheet Items (9 items)
About Schedule RC-L · Citizens and Farmers Bank derivatives and off-balance-sheet items trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Commercial Real Estate, Other Construction Loan and Land Development Loan Commitments | RCONF165 | $210.3M |
| Total Gross Notional Amount of Interest Rate Derivative Contracts Held for Trading | RCONA126 | $200.5M |
| Unused Commitments - Revolving, Open-end Lines Secured by 1-4 Family Residential Properties | RCON3814 | $171.0M |
| Other Unused Commitments: All Other Unused Commitments | RCONJ459 | $46.7M |
| 1-4 Family Residential Construction Loan Commitments | RCONF164 | $42.0M |
| Other Unused Commitments: Commercial and Industrial Loans | RCONJ457 | $32.9M |
| Performance Standby Letters of Credit | RCON3821 | $17.3M |
| Commercial Real Estate, Construction, and Land Development: Commitments to Fund Loans Not Secured by Real Estate | RCON6550 | $5.5M |
| Other unused commitments: Loans to nondepository financial institutions | RCONPV11 | $1.5M |
Schedule RC-M: Memoranda (6 items)
About Schedule RC-M · Citizens and Farmers Bank memoranda trends
| Line item | Code | Q2 2026 |
|---|---|---|
| FHLB Advances (Loans) Due in One Year or Less | RCON2651 | $45.0M |
| FHLB Advances: Advances with a Remaining Maturity or Next Repricing Date of One Year or Less | RCONF055 | $45.0M |
| FHLB Advances: Structured Advances | RCONF059 | $25.0M |
| Other Borrowed Money: Other Borrowings with a Remaining Maturity or Next Repricing Date of Over Five Years | RCONF063 | $7.7M |
| All other intangible assets | RCONJF76 | $859K |
| Aggregate Amount of All Extensions of Credit to All Executive Officers, Directors, Principal Shareholders, and Their Related Interests | RCON6164 | $700K |
Schedule RC-N: Past Due and Nonaccrual Loans, Leases, and Other Assets (16 items)
About Schedule RC-N · Citizens and Farmers Bank past due and nonaccrual loans, leases, and other assets trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Loans and Lease Financing Receivables: Past Due 30-89 Days and Still Accruing | RCON1406 | $16.6M |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Automobile Loans - Past Due 30 Through 89 Days and Still Accruing | RCONK213 | $15.3M |
| Additions to Nonaccrual Assets | RCONC410 | $1.9M |
| Total Loans and Lease Finance Receivables: Nonaccrual | RCON1403 | $1.8M |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens-nonaccural | RCONC229 | $950K |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Automobile Loans - Nonaccrual | RCONK215 | $676K |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens-past Due 30 Thru 89 Days and Still Accruing | RCONC236 | $655K |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Other - Past Due 30 Through 89 Days and Still Accruing | RCONK216 | $362K |
| Total Loans and Lease Financing Receivables: Past Due 90 Days or More and Still Accruing | RCON1407 | $217K |
| Loans Secured by 1-4 Family Residential Properties: Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit - Past Due 30 Through 89 Days and Still Accruing | RCON5398 | $165K |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by Junior Liens-nonaccural | RCONC230 | $161K |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens-past Due 90 Days or More and Still Accruing | RCONC237 | $142K |
| Loans Secured by 1-4 Family Residential Properties: Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit - Past Due 90 Days or More and Still Accruing | RCON5399 | $75K |
| Commercial and Industrial Loans - Past Due 30-89 Days and Still Accruing | RCON1606 | $57K |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by Junior Liens-past Due 30 Thru 89 Days and Still Accruing | RCONC238 | $47K |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Other - Nonaccrual | RCONK218 | $31K |
Schedule RC-O: Other Data for Deposit Insurance Assessments (14 items)
About Schedule RC-O · Citizens and Farmers Bank other data for deposit insurance assessments trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Unsecured Other Borrowings with a Remaining Maturity of Over Five Years | RCONG468 | $7.7M |
| Average Consolidated Total Assets for the Calendar Quarter | RCONK652 | $2.79B |
| Total Deposit Liabilities as Defined in Section 3(1) of the Federal Deposit Insurance Act Before Exclusions | RCONF236 | $2.39B |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of $250,000 or Less | RCONF049 | $1.41B |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF051 | $934.8M |
| Estimated Amount of Uninsured Assessable Deposits in Domestic Offices of the Bank and in Insured Branches in Puerto Rico and U.S. Territories and Possessions, Including Related Interest Accrued and Unpaid | RCON5597 | $726.4M |
| Average Tangible Equity for the Calendar Quarter | RCONK654 | $309.1M |
| Amount of Retirement Deposits Accounts of $250,000 or Less | RCONF045 | $47.2M |
| Amount of Retirement Deposit Accounts of More Than $250,000 | RCONF047 | $3.1M |
| Number of Deposit Accounts (Excluding Retirement Accounts)of $250,000 or Less | RCONF050 | 82,894 |
| Number of Retirement Deposit Accounts of $250,000 or Less | RCONF046 | 2,216 |
| Number of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF052 | 1,373 |
| Number of Retirement Deposit Accounts of More Than $250,000 | RCONF048 | 10 |
| Averaging Method Used | RCONK653 | 1 |
Schedule RC-P: 1-4 Family Residential Mortgage Banking Activities (2 items)
Schedule RC-R: Regulatory Capital (2 items)
About Schedule RC-R · Citizens and Farmers Bank regulatory capital trends
Schedule RC-R, Part I: Regulatory Capital Components and Ratios (26 items)
About Schedule RC-R, Part I · Citizens and Farmers Bank regulatory capital components and ratios trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average total consolidated assets | RCOAKW03 | $2.79B |
| Average Total Assets (Net of Deductions) | RCOAA224 | $2.77B |
| Risk-weighted Assets (Net of Allowances and Other Deductions) | RCOAA223 | $2.29B |
| Total Qualifying Capital Allowable Under the Risk-based Capital Guidelines | RCOA3792 | $339.3M |
| Common Equity Tier 1 Capital Before Adjustments and Deductions | RCOAP840 | $325.5M |
| Common Equity Tier 1 Capital | RCOAP859 | $310.5M |
| Subtotal of Common Equity Tier 1 Capital: Adjustments and Deductions | RCOAP852 | $310.5M |
| Tier 1 Capital Allowable Under the Risk-based Capital Guidelines | RCOA8274 | $310.5M |
| Retained Earnings | RCOAKW00 | $232.2M |
| Common Equity Tier 1 Capital: Common Stock Plus Related Surplus, Net of Treasury Stock and Unearned Employee Stock Ownership Plan (ESOP) Shares | RCOAP742 | $101.2M |
| General Loan and Lease Valuation Allowances | RCOA5310 | $28.8M |
| Tier 2 (Supplementary) Capital | RCOA5311 | $28.8M |
| Tier 2 Capital Before Deductions | RCOAP870 | $28.8M |
| Less: Deductions from Common Equity Tier 1 Capital and Additional Tier 1 Capital (Sum of Items 6, 7, 8, 10.B, 11, 13 Through 17 and Certain Elements of Item 24 - See Instructions) | RCOAP875 | $22.9M |
| Goodwill Net of Associated Deferred Tax Liabilities (Dtls) | RCOAP841 | $22.3M |
| Accumulated Other Comprehensive Income | RCOAB530 | -$7.9M |
| Less: Net Unrealized Gains (Losses) on Available-for-sale Debt Securities (If a Gain, Report as a Positive Value, If a Loss, Report as a Negative Value) | RCOAP844 | -$6.7M |
| Less:other Deductions from Assets for Leverage Capital Purposes | RCOAB596 | -$1.6M |
| Less: Amounts Recorded in AOCI Attributed to Defined Benefit Postretirement Plans Resulting from the Initial and Subsequent Application of the Relevant GAAP Standards That Pertain to Such Plans (If a Gain, Report as a Positive Value, If a Loss, Report as a Negative Value) | RCOAP847 | -$1.3M |
| Intangible Assets (Other Than Goodwill and Mortgage Servicing Assets (Msas)), Net of Associated Dtls | RCOAP842 | $668K |
| A. AOCI Opt-out Election (Enter '1' for Yes, Enter '0' for No.) | RCOAP838 | 1 |
| Total Risk-based Capital Ratio | RCOA7205 | 0.1479 |
| Common Equity Tier 1 Capital Ratio | RCOAP793 | 0.1354 |
| Tier 1 Risk-based Capital Ratio | RCOA7206 | 0.1354 |
| Tier 1 Leverage Capital Ratio | RCOA7204 | 0.112 |
| Institution-specific Capital Buffer Necessary to Avoid Limitations on Distributions and Discretionary Bonus Payments: Capital Conservation Buffer | RCOAH311 | 0.0679 |
Schedule RC-R, Part II: Risk-Weighted Assets (81 items)
About Schedule RC-R, Part II · Citizens and Farmers Bank risk-weighted assets trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Risk-weighted Assets for Purposes of Calculating the Allowance for Loan and Lease Losses 1.25 Percent Threshold | RCONS580 | $2.31B |
| Total Risk-weighted Assets | RCONG641 | $2.29B |
| Risk-weighted Assets by Risk-weighted Category - 100 Pct Risk Weight Category | RCONG637 | $1.86B |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 100 Pct Risk Weight Category | RCONG633 | $1.86B |
| Total Balance Sheet Assets - 100 Pct Risk Weight Category | RCOND990 | $1.71B |
| Total Loans and Leases, Net of Unearned Income, All Other Exposures | RCONS457 | $1.54B |
| Loans and Leases, Net of Unearned Income, All Other Exposures - 100 Pct Risk Weight Category | RCONS462 | $1.50B |
| Total Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures | RCONS439 | $534.5M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 50 Pct Risk Weight Category | RCONG632 | $531.7M |
| Total Balance Sheet Assets - 50 Pct Risk Weight Category | RCOND989 | $531.5M |
| Available-for-sale debt securities and equity securities with readily determinable fair values not held for trading purposes, Total Fair Value | RCONJA21 | $459.9M |
| Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures - 50 Pct Risk Weight Category | RCONS442 | $452.3M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 20 Pct Risk Weight Category | RCONG631 | $446.2M |
| Total Balance Sheet Assets - 20 Pct Risk Weight Category | RCOND988 | $445.2M |
| Available-for-sale Securities - 20 Pct Risk Weight Category | RCOND968 | $398.8M |
| Risk-weighted Assets by Risk-weighted Category - 50 Pct Risk Weight Category | RCONG636 | $265.9M |
| Unused Commitments, Original Maturity Exceeding One Year - Face, Notional, or Other Amount | RCONG624 | $263.4M |
| Unconditionally Cancellable Commitments | RCONS540 | $204.3M |
| Total All Other Assets | RCOND981 | $144.5M |
| Unused Commitments, Original Maturity Exceeding One Year - Credit Equivalent Amount | RCONG625 | $131.7M |
| Unused Commitments, Original Maturity Exceeding One Year - 100 Pct Risk Weight Category | RCONG629 | $130.9M |
| Notional Principal Amounts of Over-the-counter Derivate Contracts, Interest Rate - One Year or Less | RCONS582 | $98.6M |
| All Other Assets - 100 Pct Risk Weight Category | RCOND985 | $95.1M |
| Risk-weighted Assets by Risk-weighted Category - 20 Pct Risk Weight Category | RCONG635 | $89.2M |
| Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures - 100 Pct Risk Weight Category | RCONS443 | $82.1M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 0 Pct Risk Weight Category | RCONG630 | $67.6M |
| Total Balance Sheet Assets - 0 Pct Risk Weight Category | RCOND987 | $65.0M |
| Total Cash and Balances Due from Depository Institutions | RCOND957 | $63.9M |
| Risk-weighted Assets by Risk-weighted Category - 150 Pct Risk Weight Category | RCONS572 | $55.7M |
| Notional Principal Amounts of Over-the-counter Derivate Contracts, Interest Rate - Over Five Years | RCONS584 | $49.7M |
| Notional Principal Amounts of Over-the-counter Derivate Contracts, Interest Rate - Over One Year Through Five Years | RCONS583 | $44.8M |
| Total Loans and Leases Held for Sale, Residential Mortgage Exposures | RCONS413 | $42.9M |
| Loans and Leases Held for Sale, Residential Mortgage Exposures - 50 Pct Risk Weight Category | RCONS416 | $42.8M |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, Face, Notional or Other Amount | RCONS525 | $42.2M |
| Cash and Balances Due from Depository Institutions - 0 Pct Risk Weight Category | RCOND958 | $38.2M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 150 Pct Risk Weight Category | RCONS561 | $37.1M |
| Total Balance Sheet Assets - 150 Pct Risk Weight Category | RCONS503 | $37.1M |
| Loans and Leases, Net of Unearned Income, High Volatility Commercial Real Estate Exposures - 150 Pct Risk Weight Category | RCONS447 | $37.0M |
| Total Loans and Leases, Net of Unearned Income, High Volatility Commercial Real Estate Exposures | RCONS445 | $37.0M |
| Available-for-sale Securities - 100 Pct Risk Weight Category | RCOND970 | $35.1M |
| All Other Assets - Adjustments to Totals Reported in Column a | RCONS469 | $26.9M |
| Cash and Balances Due from Depository Institutions - 20 Pct Risk Weight Category | RCOND959 | $25.7M |
| Risk-weighted Assets by Risk-weighted Category - 250 Pct Risk Weight Category | RCONS573 | $24.7M |
| Total Balance Sheet Assets - Adjustments to Total Reported in Column a | RCONS500 | -$21.2M |
| Loans and Leases, Net of Unearned Income, All Other Exposures - 50 Pct Risk Weight Category | RCONS461 | $21.0M |
| Available-for-sale Securities - 0 Pct Risk Weight Category | RCOND967 | $19.3M |
| Performance Standby Letters of Credit and Transaction-related Contingent Items - Face, Notional, or Other Amount | RCOND997 | $17.3M |
| Available-for-sale Securities - 50 Pct Risk Weight Category | RCOND969 | $15.2M |
| Loans and Leases, Net of Unearned Income, All Other Exposures - 20 Pct Risk Weight Category | RCONS460 | $14.6M |
| All Other Assets - 250 Pct Risk Weight Category | RCONH293 | $9.9M |
| The total of all components in the 250% balance sheet asset category on Call Report Schedule RC-R is multiplied by 250% | RCONS504 | $9.9M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 250 Pct Risk Weight Category | RCONS562 | $9.9M |
| Performance Standby Letters of Credit and Transaction-related Contingent Items - 100 Pct Risk Weight Category | RCONG605 | $8.7M |
| Performance Standby Letters of Credit and Transaction-related Contingent Items - Credit Equivalent Amount | RCOND998 | $8.7M |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, Credit Equivalent Amount | RCONS526 | $8.4M |
| Available-for-sale Securities - Adjustment to Totals Reported in Column a | RCONS402 | -$8.4M |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, 100% | RCONS530 | $8.2M |
| Loans and Leases, Net of Unearned Income, All Other Exposures - 0 Pct Risk Weight Category | RCONS459 | $7.5M |
| All Other Assets - 20 Pct Risk Weight Category | RCOND983 | $6.1M |
| All Other Assets, Separate Account Bank-owned Life Insurance - Application of Other Risk Weighting Approaches Exposure Amount | RCONH296 | $6.0M |
| All Other Assets, Separate Account Bank-owned Life Insurance - Application of Other Risk Weighting Approaches Risk-weighted Asset Amount | RCONH297 | $6.0M |
| Total Balance Sheet Assets - Other Risk Weighting Approaches Exposure Amount | RCONH300 | $6.0M |
| Over-the-counter Derivatives - Credit Equivalent Amount | RCONS542 | $4.4M |
| Current Credit Exposure Across All Derivative Contracts Covered by the Regulatory Capital Rules | RCONG642 | $3.5M |
| Over-the-counter Derivatives - 0 Pct Risk Weight Category | RCONS543 | $2.6M |
| Loans and Leases, Net of Unearned Income, Exposures Past Due 90 Days or More or on Nonaccrual - 100 Pct Risk Weight Category | RCONS454 | $2.0M |
| Total Loans and Leases, Net of Unearned Income, Exposures Past Due 90 Days or More or on Nonaccrual | RCONS449 | $2.0M |
| Over-the-counter Derivatives - 100 Pct Risk Weight Category | RCONS547 | $1.6M |
| Risk-weighted Assets by Risk-weighted Category - 400 Pct Risk Weight Category | RCONS575 | $840K |
| Unused Commitments, Original Maturity Exceeding One Year - 20 Pct Risk Weight Category | RCONG627 | $750K |
| Over-the-counter Derivatives - 20 Pct Risk Weight Category | RCONS545 | $237K |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, 50% | RCONS529 | $235K |
| All Other Assets - 400 Pct Risk Weight Category | RCONS470 | $210K |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 400 Pct Risk Weight Category | RCONS564 | $210K |
| Total Balance Sheet Assets - 400 Pct Risk Weight Category | RCONS506 | $210K |
| All Other Assets - 50 Pct Risk Weight Category | RCOND984 | $170K |
| Allocation by Risk Weight Category 150%, All Other Assets | RCONH185 | $149K |
| Loans and Leases Held for Sale, Residential Mortgage Exposures - 100 Pct Risk Weight Category | RCONS417 | $68K |
| All Other Assets - 0 Pct Risk Weight Category | RCOND982 | $46K |
| Federal Funds Sold in Domestic Offices | RCOND971 | $19K |
| Federal Funds Sold in Domestic Offices - 20 Pct Risk Weight Category | RCOND973 | $19K |
Schedule RI-A: Changes in Bank Equity Capital (5 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Equity Capital | RIAD3210 | $325.5M |
| Balance End of Previous Calendar Year as Restated | RIADB508 | $314.3M |
| Equity Capital, Most Recently Reported for the End of Previous Calendar Year (I.e., After Adjustments from Amended Reports of Income) | RIAD3217 | $314.3M |
| Cash Dividends Declared on Common Stock | RIAD4460 | $10.0M |
| Other Comprehensive Income | RIADB511 | $3.5M |
Schedule RI-B, Part I: Charge-offs and Recoveries on Loans and Leases (11 items)
About Schedule RI-B, Part I · Citizens and Farmers Bank charge-offs and recoveries on loans and leases trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Charge-offs on Allowance for Loan and Lease Losses | RIAD4635 | $8.7M |
| Charge-offs on Automobile Loans | RIADK129 | $8.2M |
| Recoveries on Allowance for Loan and Lease Losses | RIAD4605 | $2.6M |
| Recoveries on Automobile Loans | RIADK133 | $2.5M |
| Charge-offs All Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADK205 | $343K |
| Charge-offs on Commercial and Industrial Loans | RIAD4638 | $100K |
| Recoveries All Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADK206 | $63K |
| Recoveries on Closed-end Loans Secured by 1-4 Family Residential Properties:secured by Junior Liens | RIADC218 | $16K |
| Recoveries on Commercial and Industrial Loans | RIAD4608 | $16K |
| Charge-offs on Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit | RIAD5411 | $11K |
| Recoveries on Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens | RIADC217 | $6K |
Schedule RI-B, Part II: Changes in Allowances for Credit Losses (4 items)
About Schedule RI-B, Part II · Citizens and Farmers Bank changes in allowances for credit losses trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Balance Most Recently Reported for the December 31, 2000, Reports of Condition and Income(i.e., After Adjustments from Amended Report of Income) | RIADB522 | $39.7M |
| Allowance for Loan and Lease Losses | RIAD3123 | $39.7M |
| Charge-offs on Allowance for Loan and Lease Losses | RIADC079 | $8.7M |
| Provisions for credit losses on off-balance-sheet exposures | RIADMG93 | $150K |
Schedule RI-C: Disaggregated Data on the Allowance for Credit Losses (12 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Loans and Leases, Held for Investment, Total, Amortized Cost | RCONJJ11 | $2.12B |
| Loans and Leases, Held for Investment, Real estate loans, Commercial real estate loans, Amortized Cost | RCONJJ05 | $919.5M |
| Loans and Leases, Held for Investment, Other consumer loans, Amortized Cost | RCONJJ09 | $502.8M |
| Loans and Leases, Held for Investment, Real estate loans, Residential real estate loans, Amortized Cost | RCONJJ06 | $408.3M |
| Loans and Leases, Held for Investment, Real estate loans, Construction loans, Amortized Cost | RCONJJ04 | $160.5M |
| Loans and Leases, Held for Investment, Commerical loans, Amortized Cost | RCONJJ07 | $125.2M |
| Loans and Leases, Held for Investment, Total, Allowance Balance | RCONJJ19 | $39.7M |
| Loans and Leases, Held for Investment, Other consumer loans, Allowance Balance | RCONJJ17 | $22.3M |
| Loans and Leases, Held for Investment, Real estate loans, Commercial real estate loans, Allowance Balance | RCONJJ13 | $10.3M |
| Loans and Leases, Held for Investment, Real estate loans, Residential real estate loans, Allowance Balance | RCONJJ14 | $4.0M |
| Loans and Leases, Held for Investment, Real estate loans, Construction loans, Allowance Balance | RCONJJ12 | $1.7M |
| Loans and Leases, Held for Investment, Commerical loans, Allowance Balance | RCONJJ15 | $1.4M |
Schedule SU: Supplemental Information (2 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Aggregate Amount of Fair Value Option Assets | RCONHK18 | $42.9M |
| Total Outstanding Principal Balance of Closed End 1-4 Family Residential Mortgage Loans Serviced for Others Plus the Total Outstanding Principal Balance of Other Financial Assets Serviced for Others If More Than $10 Million | RCONFT12 | $23.6M |
Citizens and Farmers Bank call reports on file
Each link opens the bank's filed report on the FFIEC Central Data Repository.
- Q2 2026 call report (quarter ended June 30, 2026)
- Q1 2026 call report (quarter ended March 31, 2026)
- Q4 2025 call report (quarter ended December 31, 2025)
- Q3 2025 call report (quarter ended September 30, 2025)
- Q2 2025 call report (quarter ended June 30, 2025)
- Q1 2025 call report (quarter ended March 31, 2025)
Where can I find the Citizens and Farmers Bank call report?
The Citizens and Farmers Bank call report for the quarter ended June 30, 2026 is on this page, schedule by schedule. The official PDF is on the FFIEC Central Data Repository, linked here for every quarter on file. Call reports are public: anyone can read or download them without an account.
Which call report form does Citizens and Farmers Bank file?
Citizens and Farmers Bank files the FFIEC 051. The FFIEC 031 is for banks with foreign offices, the FFIEC 041 for banks with domestic offices only, and the FFIEC 051 is the streamlined form most domestic banks under $5 billion in total assets may file.
What is the Citizens and Farmers Bank call report number?
A call report has no number of its own. It is filed and looked up by the bank's identifiers: Citizens and Farmers Bank has Federal Reserve RSSD ID 928421 and FDIC certificate number 10363. Either one finds its filings on the FFIEC Central Data Repository.
How often does Citizens and Farmers Bank file a call report?
Every quarter, as of March 31, June 30, September 30 and December 31. The report is due 30 calendar days after the quarter ends, or 35 days for a bank with more than one foreign office.
Citizens and Farmers Bank financial reports and ratios →
New to call reports? What a call report is, every call report code explained, and how the UBPR turns it into ratios.
Regulator records: FDIC BankFind (cert 10363) · FFIEC NIC profile (RSSD 928421)