Bank call report · Marks, MS
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 345 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 | 729945 |
| FDIC certificate number | 9777 |
| Total assets | $98.6M |
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 (24 items)
About Schedule RC · Citizens Bank and Trust Company balance sheet trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Assets | RCON2170 | $98.6M |
| Total Liabilities, Limited-life Preferred Stock, and Equity Capital | RCON3300 | $98.6M |
| Total Liabilities and Minority Interest | RCON2948 | $84.5M |
| Total Deposits | RCON2200 | $83.0M |
| Loans and Leases, Net of Unearned Income - Totals | RCONB528 | $71.0M |
| Loans and Leases, Net of Unearned Income and Allowance | RCONB529 | $69.1M |
| Total Interest-bearing Deposits in Foreign and Domestic Offices | RCON6636 | $58.5M |
| Deposits: Noninterest-bearing | RCON6631 | $24.5M |
| Total Equity Capital | RCON3210 | $14.0M |
| Total Equity Capital Including Noncontrolling Minority Interests in Consolidated Subsidiaries | RCONG105 | $14.0M |
| Surplus | RCON3839 | $13.1M |
| Held to maturity securities (ASU 2016-13 adoption) | RCONJJ34 | $12.6M |
| Held-to-maturity Securities, Total | RCON1754 | $12.6M |
| Other Assets | RCON2160 | $8.8M |
| Interest-bearing Balances | RCON0071 | $5.3M |
| Allowance for Loan and Lease Losses | RCON3123 | $1.9M |
| Noninterest-bearing Balances and Currency and Coin | RCON0081 | $1.8M |
| Other Liabilities, Total | RCON2930 | $1.3M |
| Common Stock | RCON3230 | $513K |
| Undivided Profits and Capital Reserves | RCON3632 | $438K |
| Federal Funds Sold | RCONB987 | $400K |
| Premises and Fixed Assets (Including Capitalized Leases) | RCON2145 | $363K |
| Other Borrowed Money | RCON3190 | $150K |
| Other Real Estate Owned | RCON2150 | $145K |
Schedule RI: Income Statement (41 items)
About Schedule RI · Citizens Bank and Trust Company income statement trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Interest Income | RIAD4107 | $3.2M |
| Interest and Fee Income on Loans, Total | RIAD4010 | $2.7M |
| Net Interest Income | RIAD4074 | $2.4M |
| Total Noninterest Expense | RIAD4093 | $2.1M |
| Salaries and Employee Benefits | RIAD4135 | $1.2M |
| Interest and Fee Income on All Other Loans in Domestic Offices | RIAD4058 | $1.0M |
| Interest and Fee Income on Loans to Finance Agricultural Production and Other Loans to Farmers in Domestic Offices | RIAD4024 | $1.0M |
| Other Noninterest Expense | RIAD4092 | $794K |
| Interest and Fee Income on All Other Loans Secured by Real Estate | RIAD4436 | $729K |
| Total Interest Expense | RIAD4073 | $708K |
| Income (Loss) Before Applicable Income Taxes and Discontinued Operations | RIAD4301 | $598K |
| 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 | $598K |
| Interest and Fee Income on Loans Secured by 1-4 Family Residential Properties | RIAD4435 | $505K |
| Income (Loss) Before Discontinued Operations | RIAD4300 | $468K |
| Net Income (Loss) | RIAD4340 | $468K |
| Net Income (Loss) Attributable to Bank and Noncontrolling Minority Interests | RIADG104 | $468K |
| Total Noninterest Income | RIAD4079 | $333K |
| Interest on Transaction Accounts (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) | RIAD4508 | $238K |
| Interest and Fee Income on Commercial and Industrial Loans | RIAD4012 | $224K |
| Interest Income on Balances Due from Depository Institutions | RIAD4115 | $212K |
| Savings Deposits (Including Mmdas) | RIAD0093 | $206K |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of 250000 or Less | RIADHK03 | $191K |
| Interest and Dividend Income on Securities: U.S. Treasury Securities and U.S. Government Agency Obligations (Excluding Mortgage-backed Securities) | RIADB488 | $184K |
| Service Charges on Deposit Accounts in Domestic Offices | RIAD4080 | $169K |
| Other Noninterest Income | RIADB497 | $160K |
| 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 | $159K |
| Expenses of Premises and Fixed Assets | RIAD4217 | $149K |
| Applicable Income Taxes | RIAD4302 | $130K |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of More Than 250000 | RIADHK04 | $69K |
| Interest and Dividend Income on Securities: Mortgage-backed Securities | RIADB489 | $67K |
| Provision for Loan and Lease Losses | RIAD4230 | $57K |
| Provisions for Credit Losses on Financial Assets | RIADJJ33 | $57K |
| Interest on Other Securities | RIAD4060 | $20K |
| Interest and Dividend Income on Tax-exempt Securities Issued by States and Political Subdivisions in the U.S. | RIAD4507 | $15K |
| Estimated Income on Tax-exempt Loans and Leases to States and Political Subdivisions in the U.S. | RIAD4313 | $7K |
| Interest Income on Federal Funds Sold and Securities Purchased Under Agreements to Resell | RIAD4020 | $4K |
| Other Interest Expense | RIADGW44 | $4K |
| Noninterest income: Income from insurance activities | RIADHT74 | $3K |
| Net Gains (Losses) on Sales of Other Assets (Excluding Securities) | RIADB496 | $1K |
| Other Interest Income | RIAD4518 | $1K |
| Number of Full Time Equivalent Employees on Payroll at End of Current Period | RIAD4150 | 30 |
Schedule RC-B: Securities (30 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 - Held-to-maturity Amortized Cost | RCONG312 | $470K |
| Mortgage-backed Securities (MBS): Other Residential MBS (Include Cmos, REMICS, and Stripped MBS): Issued or Guaranteed by FNMA, FHLMC, or GNMA - Held-to-maturity Fair Value | RCONG313 | $460K |
| Mortgage-backed Securities (MBS): Other Residential MBS (Include Cmos, REMICS, and Stripped MBS): All Other Residential MBS - Held-to-maturity Amortized Cost | RCONG320 | $40K |
| Mortgage-backed Securities (MBS): Other Residential MBS (Include Cmos, REMICS, and Stripped MBS): All Other Residential MBS - Held-to-maturity Fair Value | RCONG321 | $39K |
| Total Fair Value of Held-to-maturity Securities | RCON1771 | $12.3M |
| Pledged Securities | RCON0416 | $10.6M |
| Fixed Rate and Floating Rate Debt Securities with a Remaining Maturity of One Year or Less | RCONA248 | $5.7M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Three Months of Less | RCONA549 | $5.5M |
| Amortized Cost of Held-to-maturity U.S. Treasury Securities | RCON0211 | $5.0M |
| Fair Value of Held-to-maturity U.S. Treasury Securities | RCON0213 | $5.0M |
| Mortgage backed securities (MBS), Issued or guarnteed by FNMA, FHLMC, or GNMA, Held-to-maturity, Amortized Cost | RCONHT54 | $2.9M |
| Mortgage backed securities (MBS), Issued or guarnteed by FNMA, FHLMC, or GNMA, Held-to-maturity, Fair Value | RCONHT55 | $2.7M |
| 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 Five Years Through 15 Years | RCONA559 | $2.2M |
| US government agency obligations (exclude mortgage-backed securities), Held-to-maturity, Amortized Cost | RCONHT50 | $2.0M |
| US government agency obligations (exclude mortgage-backed securities), Held-to-maturity, Fair Value | RCONHT51 | $2.0M |
| Amortized Cost of Held-to-maturity Securities Issued by States and Political Subdivisions in the U.S. | RCON8496 | $1.4M |
| Fair Value of Held-to-maturity Securities Issued by States and Political Subdivisions in the U.S. | RCON8497 | $1.4M |
| 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 | $1.0M |
| 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 Five Years Through Fifteen Years | RCONA553 | $1.0M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Years Through Five Years | RCONA558 | $720K |
| Asset-backed securities and structured financial products, Structured financial products, Held-to-maturity, Amortized Cost | RCONHT58 | $715K |
| Asset-backed securities and structured financial products, Structured financial products, Held-to-maturity, Fair Value | RCONHT59 | $688K |
| OTHER MORTGAGE-BACKED SECURITIES (INCLUDE CMOs, REMICs, AND STRIPPED MBS) WITH AN EXPECTED AVERAGE LIFE OF OVER THREE YEARS | RCONA562 | $493K |
| 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 | $477K |
| 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 | $438K |
| OTHER MORTGAGE-BACKED SECURITIES (INCLUDE CMOs, REMICs, AND STRIPPED MBS) WITH AN EXPECTED AVERAGE LIFE OF THREE YEARS OR LESS | RCONA561 | $77K |
| Mortgage-backed Securities (Mbs):commercial MBS: Other Commercial MBS :Issued or Guaranteed by Fnma,fhlmc or GNMA: Held-to-maturity Amortized Cost | RCONK150 | $60K |
| Mortgage-backed Securities (Mbs):commercial MBS: Other Commercial MBS :Issued or Guaranteed by Fnma,fhlmc or GNMA: Held-to-maturity Fair Value | RCONK151 | $60K |
| 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 | $23K |
| 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 | $3K |
Schedule RC-C, Part I: Loans and Leases (33 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 | $71.0M |
| Fixed Rate and Floating Rate Loans and Leases with a Remaining Maturity of One Year or Less | RCONA247 | $31.1M |
| Loans to Finance Agricultural Production and Other Loans to Farmers | RCON1590 | $27.7M |
| 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 Three Months Through 12 Months | RCONA571 | $24.2M |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by First Liens | RCON5367 | $14.1M |
| Adjustable Rate Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties | RCON5370 | $11.4M |
| 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 | $10.9M |
| Real Estate Loans Secured by Farmland | RCON1420 | $10.8M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Three Months or Less | RCONA570 | $9.4M |
| 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 | $8.0M |
| Pledged Loans and Leases | RCONG378 | $7.4M |
| 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 Three Months Through 12 Months | RCONA565 | $5.8M |
| Commercial and Industrial Loans | RCON1766 | $5.5M |
| Loans Secured by Owner Occupied Nonfarm Nonresidential Properties | RCONF160 | $5.2M |
| 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 One Year Through Three Years | RCONA566 | $2.8M |
| 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 | $2.4M |
| Loans Secured by Other Nonfarm Nonresidential Properties. | RCONF161 | $2.1M |
| Other Consumer Loans to Individuals for Household, Family, and Other Personal Expenditures (Includes Single Payment, Installment, and All Student Loans) | RCONK207 | $1.7M |
| 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 15 Years | RCONA575 | $1.6M |
| 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 | $1.6M |
| 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 Five Years Through 15 Years | RCONA574 | $1.6M |
| Loans Secured by 1-4 Family Residential Construction | RCONF158 | $1.6M |
| Real Estate Loans Secured by Multi-family (5 or More) Residential Properties | RCON1460 | $894K |
| Automobile Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper) | RCONK137 | $741K |
| 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 | $730K |
| 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 | $514K |
| Loan Modifications to Borrowers Experiencing Financial Difficulty and in Compliance with Modified Terms: Loans Secured by 1-4 Family Residential Properties in Domestic Offices | RCONF576 | $263K |
| Total Loan Modifications to Borrowers Experiencing Financial Difficulty That Are in Compliance with Their Modified Terms | RCONHK25 | $263K |
| Other Loans | RCONJ464 | $171K |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by Junior Liens | RCON5368 | $170K |
| Loans Secured by Other Construction Loans and All Land Development and Other Land Loans | RCONF159 | $161K |
| Obligations (Other Than Securities and Leases) of States and Political Subdivisions in the U.S. | RCON2107 | $109K |
| Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper): Other Revolving Credit Plans | RCONB539 | $15K |
Schedule RC-C, Part II: Loans to Small Businesses and Small Farms (24 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| 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 | $1.8M |
| 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 | $1.7M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5571 | $1.2M |
| 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 | $1.1M |
| 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 | $1.0M |
| Amount Currently Outstanding of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5585 | $958K |
| 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 | $761K |
| 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 | $728K |
| Amount Currently Outstanding of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of More Than $250,000 Through $500,000 | RCON5589 | $315K |
| Amount Currently Outstanding of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5579 | $284K |
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5565 | $162K |
| 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 | $102K |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5570 | 59 |
| Number of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5584 | 31 |
| 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 | 15 |
| 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 | 10 |
| 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 | 8 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5564 | 8 |
| 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 | 6 |
| Number of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5578 | 5 |
| Number of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $250,000 Through $500,000 | RCON5582 | 5 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5568 | 4 |
| Number of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of More Than $250,000 Through $500,000 | RCON5588 | 4 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5566 | 2 |
Schedule RC-E: Deposit Liabilities (26 items)
About Schedule RC-E · Citizens Bank and Trust Company deposit liabilities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Transaction Accounts | RCON2215 | $42.0M |
| Total Nontransaction Accounts (Including Mmda's) | RCON2385 | $41.0M |
| Total Nontransaction Accounts Deposits of Individuals, Partnerships, and Corporations | RCONB550 | $38.7M |
| Total Transaction Accounts - Deposits of Individuals, Partnerships, and Corporation | RCONB549 | $30.5M |
| Total Demand Deposits (See Note Below) | RCON2210 | $24.5M |
| Time Deposits of 250000 or Less with a Remaining Maturity of One Year or Less | RCONHK11 | $13.0M |
| Money Market Deposit Accounts (Mmda's) | RCON6810 | $12.0M |
| Total Transaction Accounts - Deposits of States and Political Subdivisions in the U.S. | RCON2203 | $11.5M |
| 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 Over Three Months Through 12 Months | RCONHK08 | $8.7M |
| Other Nontransaction Savings Deposits (Excludes Mmda's) | RCON0352 | $8.6M |
| Components of Total Nontransaction Accounts: Total Time Deposits of $100,000 Through $250,000 | RCONJ473 | $7.4M |
| Total Time Deposits of Less Than $100,000 | RCON6648 | $7.2M |
| Components of Total Nontransaction Accounts: Total Time Deposits of More Than $250,000 | RCONJ474 | $5.8M |
| Time Deposits of More Than $250,000 with a Remaining Maturity of One or Year Less | RCONK222 | $5.8M |
| 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 Three Months or Less | RCONHK07 | $4.4M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONHK13 | $4.3M |
| All Time and Savings Deposits Held in IRA and Keogh Plan Accounts | RCON6835 | $3.0M |
| Brokered Deposits of More Than $250,000 with a Remaining Maturity of One Year or Less | RCONK220 | $2.7M |
| Total Brokered Deposits | RCON2365 | $2.7M |
| Total Nontransaction Accounts of States and Political Subdivisions in the U.S. | RCON2530 | $1.5M |
| 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 Three Months or Less | RCONHK12 | $1.5M |
| Individual Retirement Accounts (Iras) and Keogh Plan Accounts Included in Memorandum Item 2.C, 'Total Time Deposits of $100,000 or More,' Above | RCONF233 | $1.1M |
| 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 | $1.1M |
| Estimated Amount of Deposits Obtained Through the Use of Deposit Listing Services That Are Not Brokered Deposits | RCONK223 | $747K |
| Total Nontransaction Accounts of Commercial Banks and Other Depository Institutions in the U.S. | RCONB552 | $747K |
| 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 | $361K |
Schedule RC-F: Other Assets (8 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Life Insurance Assets: Hybrid Account Life Insurance Assets | RCONK270 | $3.2M |
| Life Insurance Assets: General Account Life Insurance Assets | RCONK201 | $2.4M |
| Accrued Interest Receivable | RCONB556 | $1.4M |
| Net Deferred Tax Assets | RCON2148 | $844K |
| Historical Cost of All Other Available-for-sale Equity Securities | RCON1752 | $501K |
| Other Assets | RCON2168 | $500K |
| Prepaid Expenses | RCON2166 | $237K |
| Computer Software | RCONFT33 | $75K |
Schedule RC-G: Other Liabilities (5 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| All Other Liabilities | RCON2938 | $835K |
| First Itemized Amount That Exceeds 25% of All Other Liabilities (2938) or (2942) | RCON3552 | $535K |
| Other Expenses Accrued and Unpaid | RCON3646 | $256K |
| Second Itemized Amount That Exceeds 25% of All Other Liabilities (2938) or (2942) | RCON3553 | $246K |
| Interest Accrued and Unpaid on Deposits (in Domestic Offices) | RCON3645 | $219K |
Schedule RC-K: Quarterly Averages (17 items)
About Schedule RC-K · Citizens Bank and Trust Company quarterly averages trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Quarterly Average of Total Assets | RCON3368 | $100.3M |
| Quarterly Average of Total Loans | RCON3360 | $68.1M |
| Quarterly Average of Loans to Finance Agricultural Production and Other Loans to Farmers | RCON3386 | $25.4M |
| Nontransaction Accounts in Domestic Offices: Savings Deposits | RCONB563 | $20.4M |
| Quarterly Average of All Other Loans Secured by Real Estate | RCON3466 | $19.7M |
| Transaction Accounts (in Domestic Offices) (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) - Quarterly Average | RCON3485 | $19.3M |
| Liabilities, Nontransaction Accounts, Time Deposits of 250000 or Less | RCONHK16 | $14.7M |
| Quarterly Average of Loans Secured by 1-4 Family Residential Properties | RCON3465 | $13.4M |
| U.S. Treasury Securities and U.S. Government Agency Obligations (Excluding Mortgage-backed Securities) | RCONB558 | $9.7M |
| Quarterly Average of Commercial and Industrial Loans | RCON3387 | $5.9M |
| Mortgage-backed Securities | RCONB559 | $5.1M |
| Quarterly Average of Interest-bearing Balances Due from Depository Institutions | RCON3381 | $4.6M |
| Liabilities, Nontransaction Accounts, Time Deposits of More Than 250000 | RCONHK17 | $3.7M |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Other | RCONB562 | $2.6M |
| All Other Securities | RCONB560 | $2.2M |
| Quarterly Average of Federal Funds Sold and Securities Purchased Under Agreements to Resell | RCON3365 | $400K |
| Quarterly Average of Other Borrowed Money | RCON3355 | $235K |
Schedule RC-L: Derivatives and Off-Balance-Sheet Items (6 items)
About Schedule RC-L · Citizens Bank and Trust Company derivatives and off-balance-sheet items trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Other Unused Commitments: All Other Unused Commitments | RCONJ459 | $16.5M |
| All Other Off-balance Sheet Liabilities | RCON3430 | $3.2M |
| Financial Standby Letters of Credit and Foreign Office Guarantees | RCON3819 | $3.2M |
| Other Unused Commitments: Commercial and Industrial Loans | RCONJ457 | $569K |
| 1-4 Family Residential Construction Loan Commitments | RCONF164 | $508K |
| Commercial Real Estate, Other Construction Loan and Land Development Loan Commitments | RCONF165 | $200K |
Schedule RC-M: Memoranda (5 items)
About Schedule RC-M · Citizens Bank and Trust Company 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 | $4.4M |
| All Other Real Estate Owned: Farmland in Domestic Offices | RCON5509 | $145K |
| FHLB Advances: Advances with a Remaining Maturity or Next Repricing Date of Over Five Years | RCONF058 | $93K |
| FHLB Advances: Advances with a Remaining Maturity or Next Repricing Date of Over Three Through Five Years | RCONF057 | $57K |
| 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 | 4 |
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 90 Days or More and Still Accruing | RCON1407 | $2.6M |
| Total Loans and Lease Finance Receivables: Nonaccrual | RCON1403 | $1.3M |
| Loans Secured by Real Estate (in Domestic Offices): Secured by Farmland - Past Due 90 Days or More and Still Accruing | RCON3494 | $1.2M |
| Additions to Nonaccrual Assets | RCONC410 | $1.1M |
| All Other Loans - Nonaccrual | RCON5461 | $1.1M |
| Total Loans and Lease Financing Receivables: Past Due 30-89 Days and Still Accruing | RCON1406 | $952K |
| Debt Securities and Other Assets - Nonaccrual | RCON3507 | $695K |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens-past Due 30 Thru 89 Days and Still Accruing | RCONC236 | $657K |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens-past Due 90 Days or More and Still Accruing | RCONC237 | $604K |
| Loans Secured by Other Nonfarm Nonresidential Properties, 90 or More Days Past Due and Still Accruing | RCONF181 | $405K |
| Commercial and Industrial Loans - Past Due 90 Days or More and Still Accruing | RCON1607 | $259K |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens-nonaccural | RCONC229 | $168K |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by Junior Liens-past Due 30 Thru 89 Days and Still Accruing | RCONC238 | $72K |
| All Other Loans - Past Due 90 Days or More and Still Accruing | RCON5460 | $67K |
| Loans Secured by Other Nonfarm Nonresidential Properties, 30-89 Days Past Due | RCONF179 | $62K |
| Commercial and Industrial Loans - Past Due 30-89 Days and Still Accruing | RCON1606 | $59K |
| All Other Loans - Past Due 30 Through 89 Days and Still Accruing | RCON5459 | $45K |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Other - Past Due 30 Through 89 Days and Still Accruing | RCONK216 | $42K |
| Loans Secured by Other Nonfarm Nonresidential Properties, Nonaccrual | RCONF183 | $30K |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Automobile Loans - Past Due 90 Days or More and Still Accruing | RCONK214 | $17K |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Automobile Loans - Past Due 30 Through 89 Days and Still Accruing | RCONK213 | $15K |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Other - Past Due 90 Days or More and Still Accruing | RCONK217 | $6K |
Schedule RC-O: Other Data for Deposit Insurance Assessments (12 items)
About Schedule RC-O · Citizens Bank and Trust Company other data for deposit insurance assessments trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average Consolidated Total Assets for the Calendar Quarter | RCONK652 | $100.3M |
| Total Deposit Liabilities as Defined in Section 3(1) of the Federal Deposit Insurance Act Before Exclusions | RCONF236 | $83.3M |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of $250,000 or Less | RCONF049 | $48.6M |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF051 | $31.6M |
| Average Tangible Equity for the Calendar Quarter | RCONK654 | $13.9M |
| Amount of Retirement Deposits Accounts of $250,000 or Less | RCONF045 | $2.5M |
| Amount of Retirement Deposit Accounts of More Than $250,000 | RCONF047 | $556K |
| Number of Deposit Accounts (Excluding Retirement Accounts)of $250,000 or Less | RCONF050 | 3,154 |
| Number of Retirement Deposit Accounts of $250,000 or Less | RCONF046 | 96 |
| Number of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF052 | 42 |
| Averaging Method Used | RCONK653 | 1 |
| Number of Retirement Deposit Accounts of More Than $250,000 | RCONF048 | 1 |
Schedule RC-R: Regulatory Capital (2 items)
About Schedule RC-R · Citizens Bank and Trust Company regulatory capital trends
Schedule RC-R, Part I: Regulatory Capital Components and Ratios (19 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 | $100.3M |
| Average total consolidated assets | RCOAKW03 | $100.3M |
| Risk-weighted Assets (Net of Allowances and Other Deductions) | RCOAA223 | $82.9M |
| Total Qualifying Capital Allowable Under the Risk-based Capital Guidelines | RCOA3792 | $15.1M |
| Common Equity Tier 1 Capital | RCOAP859 | $14.0M |
| Common Equity Tier 1 Capital Before Adjustments and Deductions | RCOAP840 | $14.0M |
| Subtotal of Common Equity Tier 1 Capital: Adjustments and Deductions | RCOAP852 | $14.0M |
| Tier 1 Capital Allowable Under the Risk-based Capital Guidelines | RCOA8274 | $14.0M |
| Common Equity Tier 1 Capital: Common Stock Plus Related Surplus, Net of Treasury Stock and Unearned Employee Stock Ownership Plan (ESOP) Shares | RCOAP742 | $13.6M |
| General Loan and Lease Valuation Allowances | RCOA5310 | $1.0M |
| Tier 2 (Supplementary) Capital | RCOA5311 | $1.0M |
| Tier 2 Capital Before Deductions | RCOAP870 | $1.0M |
| Retained Earnings | RCOAKW00 | $438K |
| A. AOCI Opt-out Election (Enter '1' for Yes, Enter '0' for No.) | RCOAP838 | 1 |
| Total Risk-based Capital Ratio | RCOA7205 | 0.1821 |
| Common Equity Tier 1 Capital Ratio | RCOAP793 | 0.1695 |
| Tier 1 Risk-based Capital Ratio | RCOA7206 | 0.1695 |
| Tier 1 Leverage Capital Ratio | RCOA7204 | 0.14 |
| Institution-specific Capital Buffer Necessary to Avoid Limitations on Distributions and Discretionary Bonus Payments: Capital Conservation Buffer | RCOAH311 | 0.1021 |
Schedule RC-R, Part II: Risk-Weighted Assets (54 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 | $83.7M |
| Total Risk-weighted Assets | RCONG641 | $82.9M |
| Risk-weighted Assets by Risk-weighted Category - 100 Pct Risk Weight Category | RCONG637 | $62.6M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 100 Pct Risk Weight Category | RCONG633 | $62.6M |
| Total Balance Sheet Assets - 100 Pct Risk Weight Category | RCOND990 | $59.8M |
| Loans and Leases, Net of Unearned Income, All Other Exposures - 100 Pct Risk Weight Category | RCONS462 | $52.8M |
| Total Loans and Leases, Net of Unearned Income, All Other Exposures | RCONS457 | $52.8M |
| Total Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures | RCONS439 | $14.3M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 50 Pct Risk Weight Category | RCONG632 | $13.8M |
| Total Balance Sheet Assets - 50 Pct Risk Weight Category | RCOND989 | $13.8M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 0 Pct Risk Weight Category | RCONG630 | $13.6M |
| Total Balance Sheet Assets - 0 Pct Risk Weight Category | RCOND987 | $13.6M |
| Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures - 50 Pct Risk Weight Category | RCONS442 | $13.1M |
| Total Held-to-maturity Securities | RCOND961 | $11.9M |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, Face, Notional or Other Amount | RCONS525 | $11.0M |
| Total All Other Assets | RCOND981 | $9.3M |
| Total Cash and Balances Due from Depository Institutions | RCOND957 | $7.2M |
| Held-to-maturity Securities - 0 Pct Risk Weight Category | RCOND962 | $7.0M |
| Risk-weighted Assets by Risk-weighted Category - 50 Pct Risk Weight Category | RCONG636 | $6.9M |
| Cash and Balances Due from Depository Institutions - 0 Pct Risk Weight Category | RCOND958 | $6.6M |
| Risk-weighted Assets by Risk-weighted Category - 150 Pct Risk Weight Category | RCONS572 | $5.9M |
| All Other Assets - 100 Pct Risk Weight Category | RCOND985 | $5.8M |
| Unconditionally Cancellable Commitments | RCONS540 | $5.5M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 20 Pct Risk Weight Category | RCONG631 | $5.5M |
| Total Balance Sheet Assets - 20 Pct Risk Weight Category | RCOND988 | $5.5M |
| Held-to-maturity Securities - 20 Pct Risk Weight Category | RCOND963 | $4.4M |
| On-balance Sheet Securitization Exposures, Held-to-maturity Securities - Gross-up Risk Weight Exposure, by Calculation Methodology | RCONS479 | $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 | $3.9M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 150 Pct Risk Weight Category | RCONS561 | $3.9M |
| Total Balance Sheet Assets - 150 Pct Risk Weight Category | RCONS503 | $3.9M |
| Total Loans and Leases, Net of Unearned Income, Exposures Past Due 90 Days or More or on Nonaccrual | RCONS449 | $3.9M |
| All Other Assets, Separate Account Bank-owned Life Insurance - Application of Other Risk Weighting Approaches Exposure Amount | RCONH296 | $3.2M |
| All Other Assets, Separate Account Bank-owned Life Insurance - Application of Other Risk Weighting Approaches Risk-weighted Asset Amount | RCONH297 | $3.2M |
| Total Balance Sheet Assets - Other Risk Weighting Approaches Exposure Amount | RCONH300 | $3.2M |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, 100% | RCONS530 | $2.2M |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, Credit Equivalent Amount | RCONS526 | $2.2M |
| Unused Commitments, Original Maturity Exceeding One Year - Face, Notional, or Other Amount | RCONG624 | $1.3M |
| Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures - 100 Pct Risk Weight Category | RCONS443 | $1.2M |
| Total Balance Sheet Assets - Adjustments to Total Reported in Column a | RCONS500 | -$1.1M |
| Risk-weighted Assets by Risk-weighted Category - 20 Pct Risk Weight Category | RCONG635 | $1.1M |
| On-balance Sheet Securitization Exposures, Held-to-maturity Securities - Adjustments to Total Reported in Column a | RCONS476 | $755K |
| Total On-balance Sheet Securitization Exposures, Held-to-maturity Securities | RCONS475 | $755K |
| Unused Commitments, Original Maturity Exceeding One Year - 100 Pct Risk Weight Category | RCONG629 | $637K |
| Unused Commitments, Original Maturity Exceeding One Year - Credit Equivalent Amount | RCONG625 | $637K |
| Cash and Balances Due from Depository Institutions - 20 Pct Risk Weight Category | RCOND959 | $587K |
| Held-to-maturity Securities - 50 Pct Risk Weight Category | RCOND964 | $540K |
| Federal Funds Sold in Domestic Offices | RCOND971 | $400K |
| Federal Funds Sold in Domestic Offices - 20 Pct Risk Weight Category | RCOND973 | $400K |
| All Other Assets - 50 Pct Risk Weight Category | RCOND984 | $153K |
| All Other Assets - 20 Pct Risk Weight Category | RCOND983 | $132K |
| All Other Assets - 0 Pct Risk Weight Category | RCOND982 | $45K |
| Financial Standby Letters of Credit - 100 Pct Risk Weight Category | RCOND996 | $6K |
| Financial Standby Letters of Credit - Credit Equivalent Amount | RCOND992 | $6K |
| Financial Standby Letters of Credit - Face, Notional, or Other Amount | RCOND991 | $6K |
Schedule RI-A: Changes in Bank Equity Capital (4 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Equity Capital | RIAD3210 | $14.0M |
| Balance End of Previous Calendar Year as Restated | RIADB508 | $13.8M |
| Equity Capital, Most Recently Reported for the End of Previous Calendar Year (I.e., After Adjustments from Amended Reports of Income) | RIAD3217 | $13.8M |
| Cash Dividends Declared on Common Stock | RIAD4460 | $200K |
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 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 | $265K |
| Charge-offs on All Other Loans | RIAD4644 | $227K |
| Charge-offs on Loans to Finance Agricultural Production and Other Loans to Farmers | RIAD4655 | $227K |
| Recoveries on Allowance for Loan and Lease Losses | RIAD4605 | $24K |
| Charge-offs All Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADK205 | $19K |
| Charge-offs on Automobile Loans | RIADK129 | $19K |
| Recoveries All Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADK206 | $18K |
| Loans Secured by Owner-occupied Nonfarm Nonresidential Properties: Recoveries | RIADC896 | $5K |
| Recoveries on All Other Loans | RIAD4628 | $1K |
| Recoveries on Loans to Finance Agricultural Production and Other Loans to Farmers | RIAD4665 | $1K |
Schedule RI-B, Part II: Changes in Allowances for Credit Losses (3 items)
About Schedule RI-B, Part II · Citizens Bank and Trust Company 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 | $2.1M |
| Allowance for Loan and Lease Losses | RIAD3123 | $1.9M |
| Charge-offs on Allowance for Loan and Lease Losses | RIADC079 | $265K |
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 729945 and FDIC certificate number 9777. 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 9777) · FFIEC NIC profile (RSSD 729945)