Bank call report · Plaquemine, LA
Citizens Bank and Trust Company Call Report
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Citizens Bank and Trust Company filed its latest call report for the quarter ended June 30, 2026 on the FFIEC 051. Below are its 336 reported line items, schedule by schedule (718 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 | 357937 |
| FDIC certificate number | 1376 |
| Total assets | $480.8M |
Official Q2 2026 call report PDF (FFIEC) →
Citizens Bank and Trust Company 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 (25 items)
About Schedule RC · Citizens Bank and Trust Company balance sheet trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Assets | RCON2170 | $480.8M |
| Total Liabilities, Limited-life Preferred Stock, and Equity Capital | RCON3300 | $480.8M |
| Total Liabilities and Minority Interest | RCON2948 | $425.2M |
| Total Deposits | RCON2200 | $405.4M |
| Loans and Leases, Net of Unearned Income - Totals | RCONB528 | $363.1M |
| Loans and Leases, Net of Unearned Income and Allowance | RCONB529 | $359.4M |
| Total Interest-bearing Deposits in Foreign and Domestic Offices | RCON6636 | $284.6M |
| Deposits: Noninterest-bearing | RCON6631 | $120.8M |
| Total Equity Capital | RCON3210 | $55.6M |
| Total Equity Capital Including Noncontrolling Minority Interests in Consolidated Subsidiaries | RCONG105 | $55.6M |
| Held-to-maturity Securities, Total | RCON1754 | $43.9M |
| Held to maturity securities (ASU 2016-13 adoption) | RCONJJ34 | $43.9M |
| Undivided Profits and Capital Reserves | RCON3632 | $41.5M |
| Available-for-sale debt securities (from Schedule RC-B, column D) | RCON1773 | $24.7M |
| Other Assets | RCON2160 | $20.5M |
| Interest-bearing Balances | RCON0071 | $19.3M |
| Surplus | RCON3839 | $14.3M |
| Other Borrowed Money | RCON3190 | $14.0M |
| Premises and Fixed Assets (Including Capitalized Leases) | RCON2145 | $8.2M |
| Other Liabilities, Total | RCON2930 | $5.8M |
| Noninterest-bearing Balances and Currency and Coin | RCON0081 | $4.4M |
| Allowance for Loan and Lease Losses | RCON3123 | $3.7M |
| Accumulated Other Comprehensive Income | RCONB530 | -$382K |
| Other Real Estate Owned | RCON2150 | $286K |
| Common Stock | RCON3230 | $200K |
Schedule RI: Income Statement (36 items)
About Schedule RI · Citizens Bank and Trust Company income statement trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Interest Income | RIAD4107 | $13.0M |
| Interest and Fee Income on Loans, Total | RIAD4010 | $11.5M |
| Net Interest Income | RIAD4074 | $9.5M |
| Interest and Fee Income on All Other Loans Secured by Real Estate | RIAD4436 | $6.8M |
| Total Noninterest Expense | RIAD4093 | $6.6M |
| Salaries and Employee Benefits | RIAD4135 | $3.9M |
| Total Interest Expense | RIAD4073 | $3.5M |
| Income (Loss) Before Applicable Income Taxes and Discontinued Operations | RIAD4301 | $3.4M |
| 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 | $3.4M |
| Interest and Fee Income on Loans Secured by 1-4 Family Residential Properties | RIAD4435 | $3.4M |
| Income (Loss) Before Discontinued Operations | RIAD4300 | $2.6M |
| Net Income (Loss) | RIAD4340 | $2.6M |
| Net Income (Loss) Attributable to Bank and Noncontrolling Minority Interests | RIADG104 | $2.6M |
| Savings Deposits (Including Mmdas) | RIAD0093 | $2.4M |
| Other Noninterest Expense | RIAD4092 | $2.0M |
| Interest and Fee Income on Commercial and Industrial Loans | RIAD4012 | $1.2M |
| Total Noninterest Income | RIAD4079 | $783K |
| Applicable Income Taxes | RIAD4302 | $758K |
| Expenses of Premises and Fixed Assets | RIAD4217 | $707K |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of 250000 or Less | RIADHK03 | $617K |
| Interest Income on Balances Due from Depository Institutions | RIAD4115 | $493K |
| Other Noninterest Income | RIADB497 | $465K |
| Interest and Dividend Income on Securities: Mortgage-backed Securities | RIADB489 | $453K |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of More Than 250000 | RIADHK04 | $421K |
| Interest on Other Securities | RIAD4060 | $404K |
| Service Charges on Deposit Accounts in Domestic Offices | RIAD4080 | $370K |
| Provisions for Credit Losses on Financial Assets | RIADJJ33 | $300K |
| Provision for Loan and Lease Losses | RIAD4230 | $294K |
| 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 | $141K |
| Interest and Dividend Income on Securities: U.S. Treasury Securities and U.S. Government Agency Obligations (Excluding Mortgage-backed Securities) | RIADB488 | $103K |
| Interest and Dividend Income on Tax-exempt Securities Issued by States and Political Subdivisions in the U.S. | RIAD4507 | $96K |
| Net Gains (Losses) on Other Real Estate Owned | RIAD5415 | -$82K |
| Interest on Transaction Accounts (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) | RIAD4508 | $66K |
| Noninterest income: Income from insurance activities | RIADHT74 | $30K |
| Other Interest Expense | RIADGW44 | $26K |
| Number of Full Time Equivalent Employees on Payroll at End of Current Period | RIAD4150 | 81 |
Schedule RC-B: Securities (33 items)
About Schedule RC-B · Citizens Bank and Trust Company 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 | $112K |
| 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 | $111K |
| Total Fair Value of Held-to-maturity Securities | RCON1771 | $43.1M |
| Total Amortized Cost of Available-for-sale Securities | RCON1772 | $25.1M |
| Fixed Rate and Floating Rate Debt Securities with a Remaining Maturity of One Year or Less | RCONA248 | $25.0M |
| 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 | $18.2M |
| Mortgage backed securities (MBS), Issued or guarnteed by FNMA, FHLMC, or GNMA, Available for sale, Amortized Cost | RCONHT56 | $17.4M |
| Mortgage backed securities (MBS), Issued or guarnteed by FNMA, FHLMC, or GNMA, Available for sale, Fair Value | RCONHT57 | $17.1M |
| Pledged Securities | RCON0416 | $15.1M |
| Amortized Cost of Held-to-maturity U.S. Treasury Securities | RCON0211 | $14.0M |
| Fair Value of Held-to-maturity U.S. Treasury Securities | RCON0213 | $14.0M |
| 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 Over One Year Through Three Years | RCONA551 | $13.7M |
| Amortized Cost of Held-to-maturity Securities Issued by States and Political Subdivisions in the U.S. | RCON8496 | $11.0M |
| Fair Value of Held-to-maturity Securities Issued by States and Political Subdivisions in the U.S. | RCON8497 | $10.5M |
| 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 Three Months Through 12 Months | RCONA550 | $10.1M |
| US government agency obligations (exclude mortgage-backed securities), Held-to-maturity, Amortized Cost | RCONHT50 | $9.9M |
| US government agency obligations (exclude mortgage-backed securities), Held-to-maturity, Fair Value | RCONHT51 | $9.7M |
| Amortized Cost of Other Held-to-maturity Domestic Debt Securities | RCON1737 | $9.0M |
| Fair Value of Other Held-to-maturity Domestic Debt Securities | RCON1738 | $8.9M |
| 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 | $6.0M |
| 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 | $5.6M |
| 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 | $5.6M |
| 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 Months Through 12 Months | RCONA556 | $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 Over Five Years Through 15 Years | RCONA559 | $4.7M |
| 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 | $3.9M |
| 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 | $3.5M |
| 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 | $3.3M |
| US government agency obligations (exclude mortgage-backed securities), Available for sale, Amortized Cost | RCONHT52 | $2.0M |
| US government agency obligations (exclude mortgage-backed securities), Available for sale, Fair Value | RCONHT53 | $1.9M |
| Amortized Cost of Structured Notes | RCON8782 | $1.0M |
| Fair Value of Structured Notes | RCON8783 | $999K |
| OTHER MORTGAGE-BACKED SECURITIES (INCLUDE CMOs, REMICs, AND STRIPPED MBS) WITH AN EXPECTED AVERAGE LIFE OF OVER THREE YEARS | RCONA562 | $111K |
| 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 | $41K |
Schedule RC-C, Part I: Loans and Leases (28 items)
About Schedule RC-C, Part I · Citizens Bank and Trust Company loans and leases trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Loans and Leases, Net of Unearned Income | RCON2122 | $363.1M |
| Pledged Loans and Leases | RCONG378 | $155.4M |
| Loans Secured by Other Nonfarm Nonresidential Properties. | RCONF161 | $100.3M |
| 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 | $94.6M |
| Fixed Rate and Floating Rate Loans and Leases with a Remaining Maturity of One Year or Less | RCONA247 | $92.2M |
| 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 | $80.3M |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by First Liens | RCON5367 | $74.3M |
| 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 | $61.5M |
| Loans Secured by Owner Occupied Nonfarm Nonresidential Properties | RCONF160 | $60.0M |
| Loans Secured by Other Construction Loans and All Land Development and Other Land Loans | RCONF159 | $42.5M |
| Commercial and Industrial Loans | RCON1766 | $34.6M |
| 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 | $32.6M |
| 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 | $31.9M |
| 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 | $29.9M |
| Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit | RCON1797 | $19.7M |
| 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 | $17.2M |
| Loans Secured by 1-4 Family Residential Construction | RCONF158 | $12.5M |
| Real Estate Loans Secured by Multi-family (5 or More) Residential Properties | RCON1460 | $7.9M |
| 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 Three Months Through 12 Months | RCONA565 | $7.5M |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by Junior Liens | RCON5368 | $5.1M |
| Other Consumer Loans to Individuals for Household, Family, and Other Personal Expenditures (Includes Single Payment, Installment, and All Student Loans) | RCONK207 | $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 Three Months or Less | RCONA564 | $2.6M |
| 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 15 Years | RCONA575 | $1.4M |
| 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 | $1.1M |
| Adjustable Rate Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties | RCON5370 | $800K |
| Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper): Other Revolving Credit Plans | RCONB539 | $652K |
| Automobile Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper) | RCONK137 | $530K |
| Other Loans | RCONJ464 | $92K |
Schedule RC-C, Part II: Loans to Small Businesses and Small Farms (12 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 | $58.2M |
| 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 | $15.8M |
| 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 | $8.9M |
| 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 | $7.0M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5571 | $6.6M |
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5565 | $912K |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5570 | 187 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5568 | 142 |
| 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 | 98 |
| 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 | 63 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5566 | 59 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5564 | 19 |
Schedule RC-E: Deposit Liabilities (24 items)
About Schedule RC-E · Citizens Bank and Trust Company deposit liabilities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Nontransaction Accounts (Including Mmda's) | RCON2385 | $245.1M |
| Total Nontransaction Accounts Deposits of Individuals, Partnerships, and Corporations | RCONB550 | $179.2M |
| Total Transaction Accounts | RCON2215 | $160.3M |
| Total Transaction Accounts - Deposits of Individuals, Partnerships, and Corporation | RCONB549 | $133.1M |
| Total Demand Deposits (See Note Below) | RCON2210 | $120.7M |
| Other Nontransaction Savings Deposits (Excludes Mmda's) | RCON0352 | $101.8M |
| Money Market Deposit Accounts (Mmda's) | RCON6810 | $82.2M |
| Total Nontransaction Accounts of States and Political Subdivisions in the U.S. | RCON2530 | $65.7M |
| Time Deposits of 250000 or Less with a Remaining Maturity of One Year or Less | RCONHK11 | $34.3M |
| Total Transaction Accounts - Deposits of States and Political Subdivisions in the U.S. | RCON2203 | $26.3M |
| Components of Total Nontransaction Accounts: Total Time Deposits of More Than $250,000 | RCONJ474 | $24.9M |
| Time Deposits of More Than $250,000 with a Remaining Maturity of One or Year Less | RCONK222 | $24.9M |
| Components of Total Nontransaction Accounts: Total Time Deposits of $100,000 Through $250,000 | RCONJ473 | $21.0M |
| 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 Months Through 12 Months | RCONHK08 | $19.2M |
| Total Time Deposits of Less Than $100,000 | RCON6648 | $15.2M |
| 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 Three Months or Less | RCONHK07 | $15.2M |
| 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 | $14.5M |
| 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 | $10.4M |
| All Time and Savings Deposits Held in IRA and Keogh Plan Accounts | RCON6835 | $4.4M |
| 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 | $1.9M |
| Individual Retirement Accounts (Iras) and Keogh Plan Accounts Included in Memorandum Item 2.C, 'Total Time Deposits of $100,000 or More,' Above | RCONF233 | $1.9M |
| Total Transaction Accounts - Deposits of Commercial Banks and Other Depository Institutions in the U.S. | RCONB551 | $913K |
| Total Nontransaction Accounts of Commercial Banks and Other Depository Institutions in the U.S. | RCONB552 | $189K |
| 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 | $8K |
Schedule RC-F: Other Assets (6 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Life Insurance Assets: General Account Life Insurance Assets | RCONK201 | $9.4M |
| Other Assets | RCON2168 | $6.9M |
| Prepaid Expenses | RCON2166 | $5.6M |
| Life Insurance Assets: Hybrid Account Life Insurance Assets | RCONK270 | $2.1M |
| Historical Cost of All Other Available-for-sale Equity Securities | RCON1752 | $1.6M |
| Accrued Interest Receivable | RCONB556 | $549K |
Schedule RC-G: Other Liabilities (6 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| All Other Liabilities | RCON2938 | $4.4M |
| Deferred Compensation Liabilities | RCONC011 | $3.2M |
| Other Expenses Accrued and Unpaid | RCON3646 | $621K |
| Interest Accrued and Unpaid on Deposits (in Domestic Offices) | RCON3645 | $464K |
| Allowance for Credit Losses on Off-balance Sheet Credit Exposures | RCONB557 | $224K |
| Net Deferred Tax Liabilities | RCON3049 | $145K |
Schedule RC-K: Quarterly Averages (14 items)
About Schedule RC-K · Citizens Bank and Trust Company quarterly averages trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Quarterly Average of Total Assets | RCON3368 | $469.6M |
| Quarterly Average of Total Loans | RCON3360 | $356.3M |
| Quarterly Average of All Other Loans Secured by Real Estate | RCON3466 | $271.6M |
| Nontransaction Accounts in Domestic Offices: Savings Deposits | RCONB563 | $181.5M |
| Quarterly Average of Loans Secured by 1-4 Family Residential Properties | RCON3465 | $99.6M |
| Transaction Accounts (in Domestic Offices) (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) - Quarterly Average | RCON3485 | $46.8M |
| Liabilities, Nontransaction Accounts, Time Deposits of 250000 or Less | RCONHK16 | $36.8M |
| Quarterly Average of Commercial and Industrial Loans | RCON3387 | $35.1M |
| Mortgage-backed Securities | RCONB559 | $26.5M |
| Quarterly Average of Interest-bearing Balances Due from Depository Institutions | RCON3381 | $25.0M |
| Liabilities, Nontransaction Accounts, Time Deposits of More Than 250000 | RCONHK17 | $23.3M |
| All Other Securities | RCONB560 | $19.9M |
| U.S. Treasury Securities and U.S. Government Agency Obligations (Excluding Mortgage-backed Securities) | RCONB558 | $9.9M |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Other | RCONB562 | $4.6M |
Schedule RC-L: Derivatives and Off-Balance-Sheet Items (9 items)
About Schedule RC-L · Citizens Bank and Trust Company derivatives and off-balance-sheet items trends
| Line item | Code | Q2 2026 |
|---|---|---|
| All Other Off-balance Sheet Liabilities | RCON3430 | $88.9M |
| Standby Letters of Credit Issued by a Federal Home Loan Bank on the Bank's Behalf | RCONC978 | $88.9M |
| Unused Commitments - Revolving, Open-end Lines Secured by 1-4 Family Residential Properties | RCON3814 | $19.5M |
| Commercial Real Estate, Other Construction Loan and Land Development Loan Commitments | RCONF165 | $15.4M |
| Other Unused Commitments: Commercial and Industrial Loans | RCONJ457 | $12.6M |
| Other Unused Commitments: All Other Unused Commitments | RCONJ459 | $6.0M |
| Total Gross Notional Amount of Interest Rate Derivative Contracts Held for Purposes Other Than Trading: Contracts Marked to Market | RCON8725 | $3.3M |
| 1-4 Family Residential Construction Loan Commitments | RCONF164 | $2.0M |
| Financial Standby Letters of Credit and Foreign Office Guarantees | RCON3819 | $587K |
Schedule RC-M: Memoranda (6 items)
About Schedule RC-M · Citizens Bank and Trust Company memoranda trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Other Borrowed Money: Other Borrowings with a Remaining Maturity or Next Repricing Date of One Year or Less | RCONF060 | $14.0M |
| Other Borrowings: with a Remaining Maturity of One Year or Less | RCONB571 | $14.0M |
| Aggregate Amount of All Extensions of Credit to All Executive Officers, Directors, Principal Shareholders, and Their Related Interests | RCON6164 | $2.5M |
| All Other Real Estate Owned: Construction and Land Development in Domestic Offices | RCON5508 | $157K |
| All Other Real Estate Owned: Nonfarm Nonresidential Properties in Domestic Offices | RCON5512 | $129K |
| 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 | 2 |
Schedule RC-N: Past Due and Nonaccrual Loans, Leases, and Other Assets (22 items)
About Schedule RC-N · Citizens Bank and Trust Company 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 | $9.4M |
| Loans Secured by Owner-occupied Nonfarm Nonresidential Properties, 30-89 Days Past Due | RCONF178 | $3.5M |
| Total Loans and Lease Finance Receivables: Nonaccrual | RCON1403 | $2.6M |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens-past Due 30 Thru 89 Days and Still Accruing | RCONC236 | $2.5M |
| Loans Secured by Other Nonfarm Nonresidential Properties, 30-89 Days Past Due | RCONF179 | $2.4M |
| Loans Secured by Owner-occupied Nonfarm Nonresidential Properties, Nonaccrual | RCONF182 | $1.2M |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens-nonaccural | RCONC229 | $638K |
| Commercial and Industrial Loans - Nonaccrual | RCON1608 | $536K |
| Commercial and Industrial Loans - Past Due 30-89 Days and Still Accruing | RCON1606 | $413K |
| Total Loans and Lease Financing Receivables: Past Due 90 Days or More and Still Accruing | RCON1407 | $411K |
| 1-4 Family Residential Construction Loans: Past Due 31 - 89 Days | RCONF172 | $300K |
| Loans Secured by Other Nonfarm Nonresidential Properties, 90 or More Days Past Due and Still Accruing | RCONF181 | $293K |
| Loans Secured by Real Estate (in Domestic Offices): Secured by Multifamily (5 or More) Residential Properties - Past Due 30 Through 89 Days and Still Accruing | RCON3499 | $252K |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by Junior Liens-nonaccural | RCONC230 | $183K |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by Junior Liens-past Due 30 Thru 89 Days and Still Accruing | RCONC238 | $85K |
| Loans Secured by Owner-occupied Nonfarm Nonresidential Properties, 90 or More Days Past Due and Still Accruing | RCONF180 | $50K |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Other - Past Due 30 Through 89 Days and Still Accruing | RCONK216 | $45K |
| Commercial and Industrial Loans - Past Due 90 Days or More and Still Accruing | RCON1607 | $40K |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens-past Due 90 Days or More and Still Accruing | RCONC237 | $28K |
| Other Construction Loans and All Land Development and Other Land Loans, Past Due 31 - 89 Days | RCONF173 | $23K |
| Loan Modifications to Borrowers Experiencing Financial Difficulty Loans Secured by Owner Occupied Nonfarm Nonresidential Properties: Nonaccrual | RCONK116 | $18K |
| 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 | $18K |
Schedule RC-O: Other Data for Deposit Insurance Assessments (13 items)
About Schedule RC-O · Citizens Bank and Trust Company other data for deposit insurance assessments trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Unsecured Other Borrowings with a Remaining Maturity of One Year or Less | RCONG465 | $14.0M |
| Average Consolidated Total Assets for the Calendar Quarter | RCONK652 | $469.6M |
| Total Deposit Liabilities as Defined in Section 3(1) of the Federal Deposit Insurance Act Before Exclusions | RCONF236 | $405.9M |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF051 | $226.1M |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of $250,000 or Less | RCONF049 | $175.3M |
| Average Tangible Equity for the Calendar Quarter | RCONK654 | $55.6M |
| Amount of Retirement Deposits Accounts of $250,000 or Less | RCONF045 | $3.6M |
| Amount of Retirement Deposit Accounts of More Than $250,000 | RCONF047 | $810K |
| Number of Deposit Accounts (Excluding Retirement Accounts)of $250,000 or Less | RCONF050 | 8,256 |
| Number of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF052 | 292 |
| Number of Retirement Deposit Accounts of $250,000 or Less | RCONF046 | 157 |
| Number of Retirement Deposit Accounts of More Than $250,000 | RCONF048 | 3 |
| Averaging Method Used | RCONK653 | 1 |
Schedule RC-R: Regulatory Capital (1 item)
About Schedule RC-R · Citizens Bank and Trust Company 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 | $401.2M |
Schedule RC-R, Part I: Regulatory Capital Components and Ratios (22 items)
About Schedule RC-R, Part I · Citizens Bank and Trust Company regulatory capital components and ratios trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average Total Assets (Net of Deductions) | RCOAA224 | $469.6M |
| Average total consolidated assets | RCOAKW03 | $469.6M |
| Risk-weighted Assets (Net of Allowances and Other Deductions) | RCOAA223 | $401.2M |
| Total Qualifying Capital Allowable Under the Risk-based Capital Guidelines | RCOA3792 | $59.9M |
| Common Equity Tier 1 Capital | RCOAP859 | $56.0M |
| Subtotal of Common Equity Tier 1 Capital: Adjustments and Deductions | RCOAP852 | $56.0M |
| Tier 1 Capital Allowable Under the Risk-based Capital Guidelines | RCOA8274 | $56.0M |
| Common Equity Tier 1 Capital Before Adjustments and Deductions | RCOAP840 | $55.6M |
| Retained Earnings | RCOAKW00 | $41.5M |
| Common Equity Tier 1 Capital: Common Stock Plus Related Surplus, Net of Treasury Stock and Unearned Employee Stock Ownership Plan (ESOP) Shares | RCOAP742 | $14.5M |
| General Loan and Lease Valuation Allowances | RCOA5310 | $3.9M |
| Tier 2 (Supplementary) Capital | RCOA5311 | $3.9M |
| Tier 2 Capital Before Deductions | RCOAP870 | $3.9M |
| Accumulated Other Comprehensive Income | RCOAB530 | -$382K |
| 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 | -$331K |
| 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 | -$51K |
| A. AOCI Opt-out Election (Enter '1' for Yes, Enter '0' for No.) | RCOAP838 | 1 |
| Total Risk-based Capital Ratio | RCOA7205 | 0.1494 |
| Common Equity Tier 1 Capital Ratio | RCOAP793 | 0.1397 |
| Tier 1 Risk-based Capital Ratio | RCOA7206 | 0.1397 |
| Tier 1 Leverage Capital Ratio | RCOA7204 | 0.1193 |
| Institution-specific Capital Buffer Necessary to Avoid Limitations on Distributions and Discretionary Bonus Payments: Capital Conservation Buffer | RCOAH311 | 0.0694 |
Schedule RC-R, Part II: Risk-Weighted Assets (55 items)
About Schedule RC-R, Part II · Citizens Bank and Trust Company 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 | $401.2M |
| Total Risk-weighted Assets | RCONG641 | $401.2M |
| Risk-weighted Assets by Risk-weighted Category - 100 Pct Risk Weight Category | RCONG637 | $298.2M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 100 Pct Risk Weight Category | RCONG633 | $298.2M |
| Total Balance Sheet Assets - 100 Pct Risk Weight Category | RCOND990 | $284.4M |
| Total Loans and Leases, Net of Unearned Income, All Other Exposures | RCONS457 | $226.6M |
| Loans and Leases, Net of Unearned Income, All Other Exposures - 100 Pct Risk Weight Category | RCONS462 | $224.7M |
| Total Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures | RCONS439 | $107.0M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 50 Pct Risk Weight Category | RCONG632 | $91.8M |
| Total Balance Sheet Assets - 50 Pct Risk Weight Category | RCOND989 | $91.8M |
| Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures - 50 Pct Risk Weight Category | RCONS442 | $81.6M |
| Risk-weighted Assets by Risk-weighted Category - 50 Pct Risk Weight Category | RCONG636 | $45.9M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 20 Pct Risk Weight Category | RCONG631 | $44.7M |
| Total Balance Sheet Assets - 20 Pct Risk Weight Category | RCOND988 | $44.7M |
| Risk-weighted Assets by Risk-weighted Category - 150 Pct Risk Weight Category | RCONS572 | $44.4M |
| Total Held-to-maturity Securities | RCOND961 | $43.9M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 0 Pct Risk Weight Category | RCONG630 | $31.9M |
| Total Balance Sheet Assets - 0 Pct Risk Weight Category | RCOND987 | $31.9M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 150 Pct Risk Weight Category | RCONS561 | $29.6M |
| Total Balance Sheet Assets - 150 Pct Risk Weight Category | RCONS503 | $29.6M |
| Total All Other Assets | RCOND981 | $29.0M |
| Loans and Leases, Net of Unearned Income, High Volatility Commercial Real Estate Exposures - 150 Pct Risk Weight Category | RCONS447 | $27.5M |
| Total Loans and Leases, Net of Unearned Income, High Volatility Commercial Real Estate Exposures | RCONS445 | $27.5M |
| Unused Commitments, Original Maturity Exceeding One Year - Face, Notional, or Other Amount | RCONG624 | $26.4M |
| Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures - 100 Pct Risk Weight Category | RCONS443 | $25.4M |
| All Other Assets - 100 Pct Risk Weight Category | RCOND985 | $25.3M |
| Available-for-sale Securities - 20 Pct Risk Weight Category | RCOND968 | $25.1M |
| Available-for-sale debt securities and equity securities with readily determinable fair values not held for trading purposes, Total Fair Value | RCONJA21 | $24.7M |
| Total Cash and Balances Due from Depository Institutions | RCOND957 | $23.8M |
| Cash and Balances Due from Depository Institutions - 0 Pct Risk Weight Category | RCOND958 | $17.9M |
| Held-to-maturity Securities - 0 Pct Risk Weight Category | RCOND962 | $14.0M |
| Unused Commitments, Original Maturity Exceeding One Year - 100 Pct Risk Weight Category | RCONG629 | $13.2M |
| Unused Commitments, Original Maturity Exceeding One Year - Credit Equivalent Amount | RCONG625 | $13.2M |
| Held-to-maturity Securities - 20 Pct Risk Weight Category | RCOND963 | $10.7M |
| Held-to-maturity Securities - 50 Pct Risk Weight Category | RCOND964 | $10.2M |
| Held-to-maturity Securities - 100 Pct Risk Weight Category | RCOND965 | $9.0M |
| Risk-weighted Assets by Risk-weighted Category - 20 Pct Risk Weight Category | RCONG635 | $8.9M |
| Cash and Balances Due from Depository Institutions - 20 Pct Risk Weight Category | RCOND959 | $5.8M |
| Total Balance Sheet Assets - Adjustments to Total Reported in Column a | RCONS500 | -$4.1M |
| Loans and Leases, Net of Unearned Income, Exposures Past Due 90 Days or More or on Nonaccrual - 150 Pct Risk Weight Category | RCONS455 | $2.1M |
| Total Loans and Leases, Net of Unearned Income, Exposures Past Due 90 Days or More or on Nonaccrual | RCONS449 | $2.1M |
| All Other Assets, Separate Account Bank-owned Life Insurance - Application of Other Risk Weighting Approaches Exposure Amount | RCONH296 | $2.1M |
| All Other Assets, Separate Account Bank-owned Life Insurance - Application of Other Risk Weighting Approaches Risk-weighted Asset Amount | RCONH297 | $2.1M |
| Total Balance Sheet Assets - Other Risk Weighting Approaches Exposure Amount | RCONH300 | $2.1M |
| Loans and Leases, Net of Unearned Income, All Other Exposures - 20 Pct Risk Weight Category | RCONS460 | $1.9M |
| Risk-weighted Assets by Risk-weighted Category - 400 Pct Risk Weight Category | RCONS575 | $1.7M |
| All Other Assets - 20 Pct Risk Weight Category | RCOND983 | $1.1M |
| Financial Standby Letters of Credit - 100 Pct Risk Weight Category | RCOND996 | $587K |
| Financial Standby Letters of Credit - Credit Equivalent Amount | RCOND992 | $587K |
| Financial Standby Letters of Credit - Face, Notional, or Other Amount | RCOND991 | $587K |
| Available-for-sale Securities - Adjustment to Totals Reported in Column a | RCONS402 | -$420K |
| All Other Assets - 400 Pct Risk Weight Category | RCONS470 | $415K |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 400 Pct Risk Weight Category | RCONS564 | $415K |
| Total Balance Sheet Assets - 400 Pct Risk Weight Category | RCONS506 | $415K |
| Held-to-maturity Securities - Adjustment to Totals Reported in Column a | RCONS399 | -$23K |
Schedule RI-A: Changes in Bank Equity Capital (5 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Equity Capital | RIAD3210 | $55.6M |
| Balance End of Previous Calendar Year as Restated | RIADB508 | $53.3M |
| Equity Capital, Most Recently Reported for the End of Previous Calendar Year (I.e., After Adjustments from Amended Reports of Income) | RIAD3217 | $53.3M |
| Cash Dividends Declared on Common Stock | RIAD4460 | $220K |
| Other Comprehensive Income | RIADB511 | -$54K |
Schedule RI-B, Part I: Charge-offs and Recoveries on Loans and Leases (12 items)
About Schedule RI-B, Part I · Citizens Bank and Trust Company charge-offs and recoveries on loans and leases trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Charge-offs on Allowance for Loan and Lease Losses | RIAD4635 | $347K |
| Charge-offs on Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit | RIAD5411 | $282K |
| Recoveries on Allowance for Loan and Lease Losses | RIAD4605 | $192K |
| Recoveries on Commercial and Industrial Loans | RIAD4608 | $137K |
| Charge-offs on Commercial and Industrial Loans | RIAD4638 | $36K |
| Recoveries on Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit | RIAD5412 | $31K |
| Charge-offs All Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADK205 | $25K |
| Recoveries All Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADK206 | $18K |
| Recoveries on Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens | RIADC217 | $5K |
| Charge-offs on Closed-end Loans by 1-4 Family Residential Properties:secured by First Liens | RIADC234 | $3K |
| Charge-offs on Loans Secured by Multifamily (5 or More) Residential Properties | RIAD3588 | $1K |
| Other Construction Loans and All Land Development and Other Land Loans, Recoveries | RIADC894 | $1K |
Schedule RI-B, Part II: Changes in Allowances for Credit Losses (7 items)
About Schedule RI-B, Part II · Citizens Bank and Trust Company changes in allowances for credit losses trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Allowance for Loan and Lease Losses | RIAD3123 | $3.7M |
| Balance Most Recently Reported for the December 31, 2000, Reports of Condition and Income(i.e., After Adjustments from Amended Report of Income) | RIADB522 | $3.5M |
| Charge-offs on Allowance for Loan and Lease Losses | RIADC079 | $347K |
| Balance end of current period, Held-to-maturity debt securities | RIADJH93 | $23K |
| Balance most recently reported for end of previous calendar year, Report of Condition and Income Held-to-maturity debt securities (i.e., after adjustments from amended Reports of Income) | RIADJH88 | $21K |
| Provisions for credit losses on off-balance-sheet exposures | RIADMG93 | $4K |
| Provisions for credit losses, Held-to-maturity debt securities | RIADJH90 | $2K |
Citizens Bank and Trust Company 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 Company call report?
The Citizens Bank and Trust Company 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 Company file?
Citizens Bank and Trust Company 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 Company 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 Company has Federal Reserve RSSD ID 357937 and FDIC certificate number 1376. Either one finds its filings on the FFIEC Central Data Repository.
How often does Citizens Bank and Trust Company 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 Company 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 1376) · FFIEC NIC profile (RSSD 357937)