Bank call report · Frostproof, FL
Citizens Bank and Trust Call Report
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Citizens Bank and Trust filed its latest call report for the quarter ended June 30, 2026 on the FFIEC 051. Below are its 376 reported line items, schedule by schedule (765 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 | 701839 |
| FDIC certificate number | 5673 |
| Total assets | $1.48B |
Official Q2 2026 call report PDF (FFIEC) →
Citizens Bank and Trust 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 (24 items)
About Schedule RC · Citizens Bank and Trust balance sheet trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Assets | RCON2170 | $1.48B |
| Total Liabilities, Limited-life Preferred Stock, and Equity Capital | RCON3300 | $1.48B |
| Total Liabilities and Minority Interest | RCON2948 | $1.42B |
| Total Deposits | RCON2200 | $1.40B |
| Total Interest-bearing Deposits in Foreign and Domestic Offices | RCON6636 | $986.2M |
| Loans and Leases, Net of Unearned Income - Totals | RCONB528 | $884.1M |
| Loans and Leases, Net of Unearned Income and Allowance | RCONB529 | $874.4M |
| Available-for-sale debt securities (from Schedule RC-B, column D) | RCON1773 | $496.3M |
| Deposits: Noninterest-bearing | RCON6631 | $411.6M |
| Surplus | RCON3839 | $62.9M |
| Accumulated Other Comprehensive Income | RCONB530 | -$62.3M |
| Total Equity Capital | RCON3210 | $60.8M |
| Total Equity Capital Including Noncontrolling Minority Interests in Consolidated Subsidiaries | RCONG105 | $60.8M |
| Undivided Profits and Capital Reserves | RCON3632 | $59.1M |
| Interest-bearing Balances | RCON0071 | $52.9M |
| Other Assets | RCON2160 | $32.9M |
| Premises and Fixed Assets (Including Capitalized Leases) | RCON2145 | $17.6M |
| Other Liabilities, Total | RCON2930 | $15.1M |
| Allowance for Loan and Lease Losses | RCON3123 | $9.7M |
| Securities Sold Under Agreements to Repurchase | RCONB995 | $6.4M |
| Noninterest-bearing Balances and Currency and Coin | RCON0081 | $5.8M |
| Common Stock | RCON3230 | $1.1M |
| Intangible Assets | RCON2143 | $119K |
| Other Real Estate Owned | RCON2150 | $58K |
Schedule RI: Income Statement (40 items)
About Schedule RI · Citizens Bank and Trust income statement trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Interest Income | RIAD4107 | $32.8M |
| Interest and Fee Income on Loans, Total | RIAD4010 | $25.3M |
| Net Interest Income | RIAD4074 | $23.0M |
| Total Noninterest Expense | RIAD4093 | $19.1M |
| Interest and Fee Income on All Other Loans Secured by Real Estate | RIAD4436 | $11.8M |
| Salaries and Employee Benefits | RIAD4135 | $11.2M |
| Income (Loss) Before Applicable Income Taxes and Discontinued Operations | RIAD4301 | $10.5M |
| Income (Loss) Before Discontinued Operations | RIAD4300 | $10.5M |
| 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 | $10.5M |
| Net Income (Loss) | RIAD4340 | $10.5M |
| Net Income (Loss) Attributable to Bank and Noncontrolling Minority Interests | RIADG104 | $10.5M |
| Total Interest Expense | RIAD4073 | $9.8M |
| Interest and Fee Income on Loans Secured by 1-4 Family Residential Properties | RIAD4435 | $6.7M |
| Total Noninterest Income | RIAD4079 | $6.1M |
| Other Noninterest Expense | RIAD4092 | $5.8M |
| Interest and Dividend Income on Securities: Mortgage-backed Securities | RIADB489 | $4.3M |
| Savings Deposits (Including Mmdas) | RIAD0093 | $4.3M |
| Interest on Transaction Accounts (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) | RIAD4508 | $3.6M |
| Interest and Fee Income on Commercial and Industrial Loans | RIAD4012 | $3.3M |
| 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 | $3.1M |
| Other Noninterest Income | RIADB497 | $2.6M |
| Expenses of Premises and Fixed Assets | RIAD4217 | $2.2M |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of 250000 or Less | RIADHK03 | $1.2M |
| Service Charges on Deposit Accounts in Domestic Offices | RIAD4080 | $1.2M |
| Interest and Dividend Income on Securities: U.S. Treasury Securities and U.S. Government Agency Obligations (Excluding Mortgage-backed Securities) | RIADB488 | $1.1M |
| Interest on Other Securities | RIAD4060 | $1.0M |
| Interest Income on Balances Due from Depository Institutions | RIAD4115 | $995K |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of More Than 250000 | RIADHK04 | $802K |
| Interest and Fee Income on All Other Loans in Domestic Offices | RIAD4058 | $516K |
| Noninterest income: Fees and commissions from securities brokerage, investment banking, advisory, and underwriting activities | RIADHT73 | $499K |
| Provisions for Credit Losses on Financial Assets | RIADJJ33 | -$497K |
| Provision for Loan and Lease Losses | RIAD4230 | -$489K |
| Estimated Income on Tax-exempt Loans and Leases to States and Political Subdivisions in the U.S. | RIAD4313 | $455K |
| Interest and Dividend Income on Tax-exempt Securities Issued by States and Political Subdivisions in the U.S. | RIAD4507 | $167K |
| Interest and Fee Income on Loans to Finance Agricultural Production and Other Loans to Farmers in Domestic Offices | RIAD4024 | $61K |
| Other Interest Income | RIAD4518 | $33K |
| Net Gains (Losses) on Sales of Other Assets (Excluding Securities) | RIADB496 | $25K |
| Noninterest income: Income from insurance activities | RIADHT74 | $13K |
| Expense of Federal Funds Purchased and Securities Sold Under Agreements to Repurchase | RIAD4180 | $4K |
| Number of Full Time Equivalent Employees on Payroll at End of Current Period | RIAD4150 | 196 |
Schedule RC-B: Securities (34 items)
About Schedule RC-B · Citizens Bank and Trust 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 | $94.8M |
| 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 | $80.3M |
| Total Amortized Cost of Available-for-sale Securities | RCON1772 | $558.6M |
| Pledged Securities | RCON0416 | $359.5M |
| Mortgage backed securities (MBS), Issued or guarnteed by FNMA, FHLMC, or GNMA, Available for sale, Amortized Cost | RCONHT56 | $146.3M |
| Mortgage backed securities (MBS), Issued or guarnteed by FNMA, FHLMC, or GNMA, Available for sale, Fair Value | RCONHT57 | $129.5M |
| OTHER MORTGAGE-BACKED SECURITIES (INCLUDE CMOs, REMICs, AND STRIPPED MBS) WITH AN EXPECTED AVERAGE LIFE OF OVER THREE YEARS | RCONA562 | $116.8M |
| 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 | $84.9M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over 15 Years | RCONA560 | $83.0M |
| US government agency obligations (exclude mortgage-backed securities), Available for sale, Amortized Cost | RCONHT52 | $71.7M |
| US government agency obligations (exclude mortgage-backed securities), Available for sale, Fair Value | RCONHT53 | $65.8M |
| Mortgage-backed Securities (Mbs):commercial MBS: Commercial Mortgage Pass-through Securities:issued or Guaranteed by Fnma,fhlmc or GNMA: Available-for-sale Amortized Cost | RCONK144 | $65.6M |
| Mortgage-backed Securities (Mbs):commercial MBS: Commercial Mortgage Pass-through Securities:issued or Guaranteed by Fnma,fhlmc or GNMA: Available-for-sale Fair Value | RCONK145 | $61.3M |
| 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 | $59.1M |
| Mortgage-backed Securities (Mbs):commercial MBS: Other Commercial MBS :Issued or Guaranteed by Fnma,fhlmc or GNMA: Available-for-sale Amortized Cost | RCONK152 | $54.6M |
| Amortized Cost of Available-for-sale U.S. Treasury Securities | RCON1286 | $48.1M |
| 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 | $48.1M |
| Fair Value of Available-for-sale U.S. Treasury Securities | RCON1287 | $46.2M |
| 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 Months Through 12 Months | RCONA550 | $45.6M |
| Mortgage-backed Securities (Mbs):commercial MBS: Other Commercial MBS :Issued or Guaranteed by Fnma,fhlmc or GNMA: Available-for-sale Fair Value | RCONK153 | $42.6M |
| Amortized Cost of Available-for-sale Securities Issued by States and Political Subdivisions in the U.S. | RCON8498 | $37.9M |
| Fair Value of Available-for-sale Securities Issued by States and Political Subdivisions in the U.S. | RCON8499 | $33.7M |
| Amortized Cost of Other Available-for-sale Domestic Debt Securities | RCON1739 | $32.9M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Five Years Through 15 Years | RCONA559 | $32.1M |
| Fair Value of Other Available-for-sale Domestic Debt Securities | RCON1741 | $30.4M |
| Fixed Rate and Floating Rate Debt Securities with a Remaining Maturity of One Year or Less | RCONA248 | $22.2M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONA555 | $14.4M |
| Asset-backed securities and structured financial products, Structured financial products, Available for sale, Amortized Cost | RCONHT60 | $6.7M |
| Structured financial products guaranteed by U.S. Government agencies or sponsored agencies included in Schedule HC-B, item 5.b -- Available-for-sale: Amortized Cost | RCONPV00 | $6.7M |
| Asset-backed securities and structured financial products, Structured financial products, Available for sale, Fair Value | RCONHT61 | $6.5M |
| Guaranteed by U.S. Government Agencies or Sponsored Agencies Included in Schedule Rc-b, Item 5.B - Available-for-sale, Fair Value | RCONPV01 | $6.5M |
| OTHER MORTGAGE-BACKED SECURITIES (INCLUDE CMOs, REMICs, AND STRIPPED MBS) WITH AN EXPECTED AVERAGE LIFE OF THREE YEARS OR LESS | RCONA561 | $6.0M |
| 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 | $4.7M |
| 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 of Over Ffteen Years | RCONA554 | $1.5M |
Schedule RC-C, Part I: Loans and Leases (35 items)
About Schedule RC-C, Part I · Citizens Bank and Trust loans and leases trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Loans and Leases, Net of Unearned Income | RCON2122 | $884.1M |
| 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 | $273.0M |
| Pledged Loans and Leases | RCONG378 | $272.2M |
| Loans Secured by Owner Occupied Nonfarm Nonresidential Properties | RCONF160 | $198.6M |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by First Liens | RCON5367 | $187.6M |
| Adjustable Rate Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties | RCON5370 | $156.0M |
| Loans Secured by Other Nonfarm Nonresidential Properties. | RCONF161 | $155.5M |
| 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 | $147.1M |
| 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 15 Years | RCONA569 | $146.5M |
| 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 | $111.5M |
| 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 | $108.5M |
| Commercial and Industrial Loans | RCON1766 | $98.1M |
| Fixed Rate and Floating Rate Loans and Leases with a Remaining Maturity of One Year or Less | RCONA247 | $58.7M |
| Automobile Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper) | RCONK137 | $50.3M |
| Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit | RCON1797 | $47.2M |
| Loans Secured by Other Construction Loans and All Land Development and Other Land Loans | RCONF159 | $44.8M |
| Other Consumer Loans to Individuals for Household, Family, and Other Personal Expenditures (Includes Single Payment, Installment, and All Student Loans) | RCONK207 | $40.0M |
| 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 | $27.6M |
| 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 | $25.7M |
| 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 Five Years Through 15 Years | RCONA568 | $19.0M |
| Obligations (Other Than Securities and Leases) of States and Political Subdivisions in the U.S. | RCON2107 | $18.2M |
| 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 | $17.6M |
| Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper): Other Revolving Credit Plans | RCONB539 | $14.2M |
| 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 | $10.0M |
| Loans Secured by 1-4 Family Residential Construction | RCONF158 | $9.4M |
| Real Estate Loans Secured by Multi-family (5 or More) Residential Properties | RCON1460 | $8.5M |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by Junior Liens | RCON5368 | $7.2M |
| 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 | $4.9M |
| 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 | $4.1M |
| 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 | $4.1M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Three Months or Less | RCONA564 | $3.0M |
| Real Estate Loans Secured by Farmland | RCON1420 | $2.9M |
| Loans to Finance Agricultural Production and Other Loans to Farmers | RCON1590 | $1.6M |
| Loan Modifications to Borrowers Experiencing Financial Difficulty - Construction, Land Development, and Other Land Loans: Secured by Nonfarm Nonresidential Properties: Loans Secured by Owner-occupied Nonfarm Nonresidential Properties | RCONK161 | $1.3M |
| Total Loan Modifications to Borrowers Experiencing Financial Difficulty That Are in Compliance with Their Modified Terms | RCONHK25 | $1.3M |
Schedule RC-C, Part II: Loans to Small Businesses and Small Farms (19 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 | $58.1M |
| 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 | $17.2M |
| 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 | $12.0M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5571 | $10.8M |
| 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 | $6.5M |
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5565 | $1.0M |
| 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 | $342K |
| Amount Currently Outstanding of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5587 | $243K |
| 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 | $73K |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5570 | 336 |
| 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 | 141 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5568 | 135 |
| 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 | 78 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5566 | 53 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5564 | 20 |
| 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 | 2 |
| Number of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5586 | 2 |
| Number of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5578 | 1 |
| 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 | 1 |
Schedule RC-E: Deposit Liabilities (30 items)
About Schedule RC-E · Citizens Bank and Trust deposit liabilities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Transaction Accounts | RCON2215 | $764.4M |
| Total Demand Deposits (See Note Below) | RCON2210 | $657.2M |
| Total Nontransaction Accounts (Including Mmda's) | RCON2385 | $633.5M |
| Total Transaction Accounts - Deposits of Individuals, Partnerships, and Corporation | RCONB549 | $612.6M |
| Total Nontransaction Accounts Deposits of Individuals, Partnerships, and Corporations | RCONB550 | $543.5M |
| Money Market Deposit Accounts (Mmda's) | RCON6810 | $384.2M |
| Total reciprocal deposits | RCONJH83 | $296.4M |
| Sweep deposits: Fully insured, non-affiliate sweep deposits | RCONMT91 | $192.2M |
| Total sweep deposits that are not brokered deposits | RCONMT95 | $192.2M |
| Total Transaction Accounts - Deposits of States and Political Subdivisions in the U.S. | RCON2203 | $146.3M |
| Other Nontransaction Savings Deposits (Excludes Mmda's) | RCON0352 | $118.1M |
| Total Nontransaction Accounts of States and Political Subdivisions in the U.S. | RCON2530 | $86.2M |
| Time Deposits of 250000 or Less with a Remaining Maturity of One Year or Less | RCONHK11 | $72.0M |
| Components of Total Nontransaction Accounts: Total Time Deposits of More Than $250,000 | RCONJ474 | $55.6M |
| Time Deposits of More Than $250,000 with a Remaining Maturity of One or Year Less | RCONK222 | $53.6M |
| 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 | $44.4M |
| Components of Total Nontransaction Accounts: Total Time Deposits of $100,000 Through $250,000 | RCONJ473 | $42.0M |
| 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 | $34.3M |
| Total Time Deposits of Less Than $100,000 | RCON6648 | $33.5M |
| 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 | $27.6M |
| 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 | $19.3M |
| Selected Components of Total Deposits, Brokered Deposits of 250000 or Less (Fully Insured Brokered Deposits) | RCONHK05 | $12.5M |
| Total Brokered Deposits | RCON2365 | $12.5M |
| All Time and Savings Deposits Held in IRA and Keogh Plan Accounts | RCON6835 | $5.7M |
| Total Transaction Accounts - Deposits of Commercial Banks and Other Depository Institutions in the U.S. | RCONB551 | $5.5M |
| Total Nontransaction Accounts of Commercial Banks and Other Depository Institutions in the U.S. | RCONB552 | $3.7M |
| Individual Retirement Accounts (Iras) and Keogh Plan Accounts Included in Memorandum Item 2.C, 'Total Time Deposits of $100,000 or More,' Above | RCONF233 | $2.8M |
| 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 | $2.7M |
| 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 Over One Year Through Three Years | RCONHK14 | $2.0M |
| 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 Over Three Years | RCONHK10 | $859K |
Schedule RC-F: Other Assets (6 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Life Insurance Assets: General Account Life Insurance Assets | RCONK201 | $19.6M |
| Life Insurance Assets: Hybrid Account Life Insurance Assets | RCONK270 | $5.6M |
| Accrued Interest Receivable | RCONB556 | $5.3M |
| Other Assets | RCON2168 | $1.4M |
| Prepaid Expenses | RCON2166 | $1.3M |
| Historical Cost of All Other Available-for-sale Equity Securities | RCON1752 | $1.1M |
Schedule RC-G: Other Liabilities (6 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| All Other Liabilities | RCON2938 | $12.3M |
| Deferred Compensation Liabilities | RCONC011 | $5.6M |
| Operating lease liabilities | RCONLB56 | $5.2M |
| Other Expenses Accrued and Unpaid | RCON3646 | $2.1M |
| Allowance for Credit Losses on Off-balance Sheet Credit Exposures | RCONB557 | $523K |
| Interest Accrued and Unpaid on Deposits (in Domestic Offices) | RCON3645 | $198K |
Schedule RC-K: Quarterly Averages (16 items)
About Schedule RC-K · Citizens Bank and Trust quarterly averages trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Quarterly Average of Total Assets | RCON3368 | $1.53B |
| Quarterly Average of Total Loans | RCON3360 | $861.8M |
| Nontransaction Accounts in Domestic Offices: Savings Deposits | RCONB563 | $491.2M |
| Quarterly Average of All Other Loans Secured by Real Estate | RCON3466 | $410.5M |
| Mortgage-backed Securities | RCONB559 | $363.0M |
| Transaction Accounts (in Domestic Offices) (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) - Quarterly Average | RCON3485 | $356.9M |
| Quarterly Average of Loans Secured by 1-4 Family Residential Properties | RCON3465 | $235.8M |
| U.S. Treasury Securities and U.S. Government Agency Obligations (Excluding Mortgage-backed Securities) | RCONB558 | $121.1M |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Other | RCONB562 | $104.9M |
| Quarterly Average of Commercial and Industrial Loans | RCON3387 | $99.1M |
| All Other Securities | RCONB560 | $78.1M |
| Liabilities, Nontransaction Accounts, Time Deposits of 250000 or Less | RCONHK16 | $75.9M |
| Liabilities, Nontransaction Accounts, Time Deposits of More Than 250000 | RCONHK17 | $51.8M |
| Quarterly Average of Interest-bearing Balances Due from Depository Institutions | RCON3381 | $49.6M |
| Quarterly Average of Federal Funds Purchased and Securities Sold Under Agreements to Repurchase | RCON3353 | $6.3M |
| Quarterly Average of Loans to Finance Agricultural Production and Other Loans to Farmers | RCON3386 | $1.6M |
Schedule RC-L: Derivatives and Off-Balance-Sheet Items (7 items)
About Schedule RC-L · Citizens Bank and Trust derivatives and off-balance-sheet items trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Unused Commitments - Revolving, Open-end Lines Secured by 1-4 Family Residential Properties | RCON3814 | $62.0M |
| Other Unused Commitments: All Other Unused Commitments | RCONJ459 | $49.4M |
| Other Unused Commitments: Commercial and Industrial Loans | RCONJ457 | $43.9M |
| Commercial Real Estate, Other Construction Loan and Land Development Loan Commitments | RCONF165 | $16.7M |
| Financial Standby Letters of Credit and Foreign Office Guarantees | RCON3819 | $2.2M |
| Total Gross Notional Amount of Interest Rate Derivative Contracts Held for Purposes Other Than Trading: Contracts Marked to Market | RCON8725 | $489K |
| 1-4 Family Residential Construction Loan Commitments | RCONF164 | $359K |
Schedule RC-M: Memoranda (4 items)
About Schedule RC-M · Citizens Bank and Trust memoranda trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Aggregate Amount of All Extensions of Credit to All Executive Officers, Directors, Principal Shareholders, and Their Related Interests | RCON6164 | $11.5M |
| All other intangible assets | RCONJF76 | $119K |
| All Other Real Estate Owned: 1-4 Family Residential Properties in Domestic Offices | RCON5510 | $58K |
| Number of Executive Officers, Directors, and Principal Shareholders to Whom the Amount of All Extensions of Credit by the Reporting Bank (Including Extensions of Credit to Related Interests) Equals or Exceeds the Lesser of $500,000 or 5 Percent of Total Capital as Defined for This Purpose in Agency Regulations | RCON6165 | 5 |
Schedule RC-N: Past Due and Nonaccrual Loans, Leases, and Other Assets (15 items)
About Schedule RC-N · Citizens Bank and Trust past due and nonaccrual loans, leases, and other assets trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Loans and Lease Finance Receivables: Nonaccrual | RCON1403 | $3.1M |
| Loan Modifications to Borrowers Experiencing Financial Difficulty -Loans Secured by Other Nonfarm Nonresidential Properties :Nonaccrual | RCONK119 | $2.0M |
| Loans Secured by Other Nonfarm Nonresidential Properties, Nonaccrual | RCONF183 | $2.0M |
| Total Loan Modifications to Borrowers Experiencing Financial Difficulty Included in Schedule Rc-n Items 1 Through 7 Above and Not Reported in Schedule Rc-c, Part I, Memo Item 1, Nonaccrual | RCONHK28 | $2.0M |
| Loans Secured by Owner-occupied Nonfarm Nonresidential Properties, Nonaccrual | RCONF182 | $958K |
| Total Loans and Lease Financing Receivables: Past Due 30-89 Days and Still Accruing | RCON1406 | $225K |
| Additions to Nonaccrual Assets | RCONC410 | $114K |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens-past Due 30 Thru 89 Days and Still Accruing | RCONC236 | $96K |
| 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 - Nonaccrual | RCON5400 | $64K |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens-nonaccural | RCONC229 | $58K |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Automobile Loans - Past Due 30 Through 89 Days and Still Accruing | RCONK213 | $51K |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by Junior Liens-past Due 30 Thru 89 Days and Still Accruing | RCONC238 | $43K |
| Commercial and Industrial Loans - Past Due 30-89 Days and Still Accruing | RCON1606 | $35K |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Other - Nonaccrual | RCONK218 | $23K |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Automobile Loans - Nonaccrual | RCONK215 | $16K |
Schedule RC-O: Other Data for Deposit Insurance Assessments (13 items)
About Schedule RC-O · Citizens Bank and Trust other data for deposit insurance assessments trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average Consolidated Total Assets for the Calendar Quarter | RCONK652 | $1.53B |
| Total Deposit Liabilities as Defined in Section 3(1) of the Federal Deposit Insurance Act Before Exclusions | RCONF236 | $1.40B |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of $250,000 or Less | RCONF049 | $804.5M |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF051 | $587.9M |
| 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 | $440.4M |
| Average Tangible Equity for the Calendar Quarter | RCONK654 | $121.9M |
| Amount of Retirement Deposits Accounts of $250,000 or Less | RCONF045 | $3.9M |
| Amount of Retirement Deposit Accounts of More Than $250,000 | RCONF047 | $1.8M |
| Number of Deposit Accounts (Excluding Retirement Accounts)of $250,000 or Less | RCONF050 | 32,551 |
| Number of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF052 | 749 |
| Number of Retirement Deposit Accounts of $250,000 or Less | RCONF046 | 172 |
| Number of Retirement Deposit Accounts of More Than $250,000 | RCONF048 | 4 |
| Averaging Method Used | RCONK653 | 1 |
Schedule RC-R: Regulatory Capital (1 item)
About Schedule RC-R · Citizens Bank and Trust regulatory capital trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Risk-weighted Assets Before Deductions for Excess Allowance for Loan and Lease Losses and Allocated Transfer Risk Reserve - 100% | RCONB704 | $971.6M |
Schedule RC-R, Part I: Regulatory Capital Components and Ratios (23 items)
About Schedule RC-R, Part I · Citizens Bank and Trust regulatory capital components and ratios trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average total consolidated assets | RCOAKW03 | $1.53B |
| Average Total Assets (Net of Deductions) | RCOAA224 | $1.53B |
| Risk-weighted Assets (Net of Allowances and Other Deductions) | RCOAA223 | $971.6M |
| Total Qualifying Capital Allowable Under the Risk-based Capital Guidelines | RCOA3792 | $133.2M |
| Common Equity Tier 1 Capital | RCOAP859 | $122.9M |
| Subtotal of Common Equity Tier 1 Capital: Adjustments and Deductions | RCOAP852 | $122.9M |
| Tier 1 Capital Allowable Under the Risk-based Capital Guidelines | RCOA8274 | $122.9M |
| Common Equity Tier 1 Capital: Common Stock Plus Related Surplus, Net of Treasury Stock and Unearned Employee Stock Ownership Plan (ESOP) Shares | RCOAP742 | $64.0M |
| Accumulated Other Comprehensive Income | RCOAB530 | -$62.3M |
| 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 | -$62.3M |
| Common Equity Tier 1 Capital Before Adjustments and Deductions | RCOAP840 | $60.8M |
| Retained Earnings | RCOAKW00 | $59.1M |
| General Loan and Lease Valuation Allowances | RCOA5310 | $10.2M |
| Tier 2 (Supplementary) Capital | RCOA5311 | $10.2M |
| Tier 2 Capital Before Deductions | RCOAP870 | $10.2M |
| Intangible Assets (Other Than Goodwill and Mortgage Servicing Assets (Msas)), Net of Associated Dtls | RCOAP842 | $119K |
| 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 | $119K |
| A. AOCI Opt-out Election (Enter '1' for Yes, Enter '0' for No.) | RCOAP838 | 1 |
| Total Risk-based Capital Ratio | RCOA7205 | 0.1371 |
| Common Equity Tier 1 Capital Ratio | RCOAP793 | 0.1265 |
| Tier 1 Risk-based Capital Ratio | RCOA7206 | 0.1265 |
| Tier 1 Leverage Capital Ratio | RCOA7204 | 0.0804 |
| Institution-specific Capital Buffer Necessary to Avoid Limitations on Distributions and Discretionary Bonus Payments: Capital Conservation Buffer | RCOAH311 | 0.0571 |
Schedule RC-R, Part II: Risk-Weighted Assets (49 items)
About Schedule RC-R, Part II · Citizens Bank and Trust 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 | $971.6M |
| Total Risk-weighted Assets | RCONG641 | $971.6M |
| Risk-weighted Assets by Risk-weighted Category - 100 Pct Risk Weight Category | RCONG637 | $770.6M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 100 Pct Risk Weight Category | RCONG633 | $770.6M |
| Total Balance Sheet Assets - 100 Pct Risk Weight Category | RCOND990 | $768.5M |
| Loans and Leases, Net of Unearned Income, All Other Exposures - 100 Pct Risk Weight Category | RCONS462 | $593.0M |
| Total Loans and Leases, Net of Unearned Income, All Other Exposures | RCONS457 | $593.0M |
| Available-for-sale debt securities and equity securities with readily determinable fair values not held for trading purposes, Total Fair Value | RCONJA21 | $496.3M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 20 Pct Risk Weight Category | RCONG631 | $334.0M |
| Total Balance Sheet Assets - 20 Pct Risk Weight Category | RCOND988 | $334.0M |
| Available-for-sale Securities - 20 Pct Risk Weight Category | RCOND968 | $331.7M |
| Total Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures | RCONS439 | $288.1M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 50 Pct Risk Weight Category | RCONG632 | $257.3M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 0 Pct Risk Weight Category | RCONG630 | $227.7M |
| Total Balance Sheet Assets - 0 Pct Risk Weight Category | RCOND987 | $227.1M |
| Total Balance Sheet Assets - 50 Pct Risk Weight Category | RCOND989 | $216.9M |
| Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures - 50 Pct Risk Weight Category | RCONS442 | $191.0M |
| Available-for-sale Securities - 0 Pct Risk Weight Category | RCOND967 | $168.3M |
| Risk-weighted Assets by Risk-weighted Category - 50 Pct Risk Weight Category | RCONG636 | $128.6M |
| Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures - 100 Pct Risk Weight Category | RCONS443 | $97.1M |
| Unconditionally Cancellable Commitments | RCONS540 | $88.5M |
| Unused Commitments, Original Maturity Exceeding One Year - Face, Notional, or Other Amount | RCONG624 | $80.9M |
| Total Balance Sheet Assets - Adjustments to Total Reported in Column a | RCONS500 | -$71.9M |
| Risk-weighted Assets by Risk-weighted Category - 20 Pct Risk Weight Category | RCONG635 | $66.8M |
| Available-for-sale Securities - Adjustment to Totals Reported in Column a | RCONS402 | -$62.3M |
| Total Cash and Balances Due from Depository Institutions | RCOND957 | $58.6M |
| Cash and Balances Due from Depository Institutions - 0 Pct Risk Weight Category | RCOND958 | $58.5M |
| Total All Other Assets | RCOND981 | $50.8M |
| All Other Assets - 100 Pct Risk Weight Category | RCOND985 | $42.4M |
| Unused Commitments, Original Maturity Exceeding One Year - 50 Pct Risk Weight Category | RCONG628 | $40.4M |
| Unused Commitments, Original Maturity Exceeding One Year - Credit Equivalent Amount | RCONG625 | $40.4M |
| Available-for-sale Securities - 100 Pct Risk Weight Category | RCOND970 | $32.9M |
| Available-for-sale Securities - 50 Pct Risk Weight Category | RCOND969 | $25.7M |
| All Other Assets, Separate Account Bank-owned Life Insurance - Application of Other Risk Weighting Approaches Exposure Amount | RCONH296 | $5.6M |
| All Other Assets, Separate Account Bank-owned Life Insurance - Application of Other Risk Weighting Approaches Risk-weighted Asset Amount | RCONH297 | $5.6M |
| Total Balance Sheet Assets - Other Risk Weighting Approaches Exposure Amount | RCONH300 | $5.6M |
| Loans and Leases, Net of Unearned Income, Exposures Past Due 90 Days or More or on Nonaccrual - 100 Pct Risk Weight Category | RCONS454 | $3.0M |
| Total Loans and Leases, Net of Unearned Income, Exposures Past Due 90 Days or More or on Nonaccrual | RCONS449 | $3.0M |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, Face, Notional or Other Amount | RCONS525 | $3.0M |
| Financial Standby Letters of Credit - 100 Pct Risk Weight Category | RCOND996 | $2.2M |
| Financial Standby Letters of Credit - Credit Equivalent Amount | RCOND992 | $2.2M |
| Financial Standby Letters of Credit - Face, Notional, or Other Amount | RCOND991 | $2.2M |
| All Other Assets - 20 Pct Risk Weight Category | RCOND983 | $2.1M |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, 0% | RCONS527 | $596K |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, Credit Equivalent Amount | RCONS526 | $596K |
| All Other Assets - 0 Pct Risk Weight Category | RCOND982 | $357K |
| All Other Assets - 50 Pct Risk Weight Category | RCOND984 | $197K |
| Cash and Balances Due from Depository Institutions - 20 Pct Risk Weight Category | RCOND959 | $131K |
| All Other Assets - Adjustments to Totals Reported in Column a | RCONS469 | $119K |
Schedule RC-T: Fiduciary and Related Services (22 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Fiduciary Accounts - Managed Assets | RCONB894 | $604.8M |
| Investment Management Agency Accounts - Managed Assets | RCONB886 | $276.5M |
| Personal Trust and Agency Accounts - Managed Assets | RCONB868 | $248.1M |
| Other Retirement Accounts - Managed Assets | RCONB880 | $80.2M |
| Custody and Safekeeping Accounts - Non-managed Assets | RCONB898 | $33.4M |
| Income from Fiduciary Activities | RIAD4070 | $1.8M |
| Total Fiduciary Accounts - Non-managed Assets | RCONB895 | $1.7M |
| Personal Trust and Agency Accounts - Non-managed | RCONB869 | $1.5M |
| Fiduciary and Related Services Income-investment Management and Investment Advisory Agency Accounts | RIADJ315 | $884K |
| Personal Trust and Agency Accounts | RIADB904 | $657K |
| Other Retirement Accounts | RIADB907 | $202K |
| Other Retirement Accounts - Non-managed Assets | RCONB881 | $191K |
| Other Fiduciary and Related Services Income | RIADB910 | $44K |
| Custody and Safekeeping Accounts | RIADB909 | $33K |
| Total Fiduciary Accounts - Number of Managed Accounts | RCONB896 | 420 |
| Investment Management Agency Accounts - Number of Managed Accounts | RCONB888 | 180 |
| Personal Trust and Agency Accounts - Number of Managed Accounts | RCONB870 | 122 |
| Other Retirement Accounts - Number of Managed Accounts | RCONB882 | 118 |
| Custody and Safekeeping Accounts - Number of Non-managed Accounts | RCONB899 | 16 |
| Total Fiduciary Accounts - Non-managed Accounts | RCONB897 | 3 |
| Other Retirement Accounts - Number of Non-managed Accounts | RCONB883 | 2 |
| Personal Trust and Agency Accounts - Number of Non-managed Accounts | RCONB871 | 1 |
Schedule RI-A: Changes in Bank Equity Capital (5 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Equity Capital | RIAD3210 | $60.8M |
| Balance End of Previous Calendar Year as Restated | RIADB508 | $55.4M |
| Equity Capital, Most Recently Reported for the End of Previous Calendar Year (I.e., After Adjustments from Amended Reports of Income) | RIAD3217 | $55.4M |
| Cash Dividends Declared on Common Stock | RIAD4460 | $3.5M |
| Other Comprehensive Income | RIADB511 | -$1.7M |
Schedule RI-B, Part I: Charge-offs and Recoveries on Loans and Leases (10 items)
About Schedule RI-B, Part I · Citizens Bank and Trust charge-offs and recoveries on loans and leases trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Charge-offs on Allowance for Loan and Lease Losses | RIAD4635 | $335K |
| Charge-offs on Commercial and Industrial Loans | RIAD4638 | $152K |
| Charge-offs on All Other Loans | RIAD4644 | $106K |
| Charge-offs on Automobile Loans | RIADK129 | $74K |
| Recoveries on Allowance for Loan and Lease Losses | RIAD4605 | $63K |
| Recoveries on All Other Loans | RIAD4628 | $39K |
| Recoveries on Automobile Loans | RIADK133 | $19K |
| Charge-offs All Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADK205 | $3K |
| Recoveries All Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADK206 | $3K |
| Recoveries on Commercial and Industrial Loans | RIAD4608 | $2K |
Schedule RI-B, Part II: Changes in Allowances for Credit Losses (4 items)
About Schedule RI-B, Part II · Citizens Bank and Trust 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 | $10.5M |
| Allowance for Loan and Lease Losses | RIAD3123 | $9.7M |
| Charge-offs on Allowance for Loan and Lease Losses | RIADC079 | $335K |
| Provisions for credit losses on off-balance-sheet exposures | RIADMG93 | -$8K |
Schedule RI-C: Disaggregated Data on the Allowance for Credit Losses (13 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Loans and Leases, Held for Investment, Total, Amortized Cost | RCONJJ11 | $884.1M |
| Loans and Leases, Held for Investment, Real estate loans, Commercial real estate loans, Amortized Cost | RCONJJ05 | $365.5M |
| Loans and Leases, Held for Investment, Real estate loans, Residential real estate loans, Amortized Cost | RCONJJ06 | $242.0M |
| Loans and Leases, Held for Investment, Commerical loans, Amortized Cost | RCONJJ07 | $117.9M |
| Loans and Leases, Held for Investment, Other consumer loans, Amortized Cost | RCONJJ09 | $104.5M |
| Loans and Leases, Held for Investment, Real estate loans, Construction loans, Amortized Cost | RCONJJ04 | $54.2M |
| Loans and Leases, Held for Investment, Total, Allowance Balance | RCONJJ19 | $9.7M |
| Loans and Leases, Held for Investment, Real estate loans, Residential real estate loans, Allowance Balance | RCONJJ14 | $3.8M |
| Loans and Leases, Held for Investment, Real estate loans, Commercial real estate loans, Allowance Balance | RCONJJ13 | $3.0M |
| Loans and Leases, Held for Investment, Commerical loans, Allowance Balance | RCONJJ15 | $1.1M |
| Loans and Leases, Held for Investment, Other consumer loans, Allowance Balance | RCONJJ17 | $937K |
| Loans and Leases, Held for Investment, Real estate loans, Construction loans, Allowance Balance | RCONJJ12 | $603K |
| Loans and Leases, Held for Investment, Unallocated, Allowance Balance | RCONJJ18 | $250K |
Citizens Bank and Trust 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 Bank and Trust call report?
The Citizens Bank and Trust 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 Bank and Trust file?
Citizens Bank and Trust 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 Bank and Trust call report number?
A call report has no number of its own. It is filed and looked up by the bank's identifiers: Citizens Bank and Trust has Federal Reserve RSSD ID 701839 and FDIC certificate number 5673. Either one finds its filings on the FFIEC Central Data Repository.
How often does Citizens Bank and Trust 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 Bank and Trust 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 5673) · FFIEC NIC profile (RSSD 701839)