Citizens Bank and Trust: Income and Expense
Data as of · Call Report Schedule RI How we update
The income statement as filed: what the bank earned in interest and fees, what it paid out, and what fell to the bottom line. Every dollar amount on this page is the quarter's own figure, not a year-to-date running total. The year-to-date view is on the profile page.
Return on equity fell 2.86 percentage points from Q1 2026 to Q2 2026, ending at 34.86% against 37.71%. It was the largest change among the key lines on this page. Citizens Bank and Trust ranks 21st of 79 Florida banks on return on assets, in the upper half at 1.35% (Q2 2026). Citizens Bank and Trust reported 1.35% on return on assets for Q2 2026, 0.07 points above the 1.28% median for banks in the $1B-10B asset tier.
Net income
| Line item | Q2 2026 |
|---|---|
| Net income | $5.2M |
| Return on assets | 1.35% |
| Return on equity | 34.86% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $12.9M |
| Total interest expense | $4.9M |
| Interest expense on deposits | $4.9M |
| Net interest margin | 3.18% |
Noninterest income and expense
| Line item | Q2 2026 |
|---|---|
| Total noninterest expense | $9.4M |
| Salaries and general administrative expense | $6.7M |
| Amortization of intangibles | $0 |
| Other noninterest expense | $2.8M |
| Efficiency ratio | 62.98% |
Productivity
| Line item | Q2 2026 |
|---|---|
| Assets per employee | $7.6M |
| Revenue per employee | $304K |
| Full-time equivalent employees | 196 |
Credit costs and securities results
| Line item | Q2 2026 |
|---|---|
| Provision for credit losses | $294K |
| Provision expense to average assets | 0.08% |
| Realized gain/(loss) on securities | $0 |
Income and Expense trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Each bar is that quarter alone, not a year-to-date total.
Lower is better: it is expense as a share of revenue.
Income and Expense by quarter
| Quarter | Net income | Return on assets | Return on equity | Efficiency ratio |
|---|---|---|---|---|
| Q3 2023 | $2.1M | 0.61% | -374.75% | 79.02% |
| Q4 2023 | $2.4M | 0.68% | 349.83% | 73.98% |
| Q1 2024 | $2.2M | 0.61% | 57.25% | 80.35% |
| Q2 2024 | $1.8M | 0.50% | 48.79% | 77.77% |
| Q3 2024 | $2.0M | 0.57% | 32.09% | 77.23% |
| Q4 2024 | $3.1M | 0.86% | 41.42% | 69.29% |
| Q1 2025 | $3.4M | 0.94% | 45.28% | 69.15% |
| Q2 2025 | $3.4M | 0.93% | 35.30% | 66.73% |
| Q3 2025 | $4.3M | 1.15% | 37.51% | 65.71% |
| Q4 2025 | $3.4M | 0.91% | 25.91% | 64.94% |
| Q1 2026 | $5.3M | 1.41% | 37.71% | 67.64% |
| Q2 2026 | $5.2M | 1.35% | 34.86% | 62.98% |
Citizens Bank and Trust income and expense, all the way back
Income and Expense back to 2001 · peer percentiles on every line item · Excel export
Unlock Citizens Bank and Trust, freeSource: Call Report Schedule RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Citizens Bank and Trust profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5673) · FFIEC NIC profile (RSSD 701839)