Bank call report · Greensboro, AL
The Citizens Bank Call Report
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The Citizens Bank filed its latest call report for the quarter ended June 30, 2026 on the FFIEC 041. Below are its 313 reported line items, schedule by schedule (904 items filed as zero are left out). The official PDF is on the FFIEC Central Data Repository.
| Call report form | FFIEC 041 |
|---|---|
| Latest quarter filed | Q2 2026 (June 30, 2026) |
| Federal Reserve RSSD ID | 571135 |
| FDIC certificate number | 22358 |
| Total assets | $129.2M |
Official Q2 2026 call report PDF (FFIEC) →
The Citizens Bank call report by schedule, Q2 2026
Dollar amounts are as filed, in the units the form uses. Each line item links to its definition; each schedule links to the full schedule reference for the FFIEC 041.
Schedule RC: Balance Sheet (22 items)
About Schedule RC · The Citizens Bank balance sheet trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Assets | RCON2170 | $129.2M |
| Total Liabilities, Limited-life Preferred Stock, and Equity Capital | RCON3300 | $129.2M |
| Total Liabilities and Minority Interest | RCON2948 | $116.8M |
| Total Deposits | RCON2200 | $116.2M |
| Total Interest-bearing Deposits in Foreign and Domestic Offices | RCON6636 | $83.3M |
| Available-for-sale debt securities (from Schedule RC-B, column D) | RCON1773 | $67.2M |
| Loans and Leases, Net of Unearned Income - Totals | RCONB528 | $37.7M |
| Loans and Leases, Net of Unearned Income and Allowance | RCONB529 | $37.2M |
| Deposits: Noninterest-bearing | RCON6631 | $32.8M |
| Undivided Profits and Capital Reserves | RCON3632 | $15.3M |
| Total Equity Capital | RCON3210 | $12.4M |
| Total Equity Capital Including Noncontrolling Minority Interests in Consolidated Subsidiaries | RCONG105 | $12.4M |
| Interest-bearing Balances | RCON0071 | $12.0M |
| Federal Funds Sold | RCONB987 | $6.5M |
| Other Assets | RCON2160 | $4.0M |
| Accumulated Other Comprehensive Income | RCONB530 | -$3.5M |
| Noninterest-bearing Balances and Currency and Coin | RCON0081 | $2.1M |
| Other Liabilities, Total | RCON2930 | $626K |
| Surplus | RCON3839 | $515K |
| Allowance for Loan and Lease Losses | RCON3123 | $497K |
| Premises and Fixed Assets (Including Capitalized Leases) | RCON2145 | $250K |
| Common Stock | RCON3230 | $35K |
Schedule RI: Income Statement (37 items)
About Schedule RI · The Citizens Bank income statement trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Interest Income | RIAD4107 | $2.7M |
| Net Interest Income | RIAD4074 | $1.9M |
| Interest and Fee Income on Loans, Total | RIAD4010 | $1.3M |
| Total Noninterest Expense | RIAD4093 | $1.0M |
| Income (Loss) Before Applicable Income Taxes and Discontinued Operations | RIAD4301 | $894K |
| 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 | $894K |
| Interest and Dividend Income on Securities: Mortgage-backed Securities | RIADB489 | $873K |
| Total Interest Expense | RIAD4073 | $864K |
| Income (Loss) Before Discontinued Operations | RIAD4300 | $710K |
| Net Income (Loss) | RIAD4340 | $710K |
| Net Income (Loss) Attributable to Bank and Noncontrolling Minority Interests | RIADG104 | $710K |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of 250000 or Less | RIADHK03 | $556K |
| Salaries and Employee Benefits | RIAD4135 | $527K |
| Other Noninterest Expense | RIAD4092 | $421K |
| Interest and Fee Income on All Other Loans in Domestic Offices | RIAD4058 | $359K |
| Interest and Fee Income on All Other Loans Secured by Real Estate | RIAD4436 | $332K |
| Interest and Fee Income on Loans to Finance Agricultural Production and Other Loans to Farmers in Domestic Offices | RIAD4024 | $332K |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of More Than 250000 | RIADHK04 | $262K |
| Interest and Dividend Income on Tax-exempt Securities Issued by States and Political Subdivisions in the U.S. | RIAD4507 | $254K |
| Interest on Other Securities | RIAD4060 | $254K |
| Interest and Fee Income on Commercial and Industrial Loans | RIAD4012 | $239K |
| Interest and Fee Income on Loans Secured by 1-4 Family Residential Properties | RIAD4435 | $213K |
| 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 | $187K |
| Applicable Income Taxes | RIAD4302 | $184K |
| Interest Income on Balances Due from Depository Institutions | RIAD4115 | $154K |
| Total Noninterest Income | RIAD4079 | $103K |
| Interest Income on Federal Funds Sold and Securities Purchased Under Agreements to Resell | RIAD4020 | $100K |
| Expenses of Premises and Fixed Assets | RIAD4217 | $96K |
| Other Noninterest Income | RIADB497 | $58K |
| Service Charges on Deposit Accounts in Domestic Offices | RIAD4080 | $45K |
| Savings Deposits (Including Mmdas) | RIAD0093 | $26K |
| Interest on Transaction Accounts (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) | RIAD4508 | $20K |
| Provision for Loan and Lease Losses | RIAD4230 | $15K |
| Provisions for Credit Losses on Financial Assets | RIADJJ33 | $15K |
| Estimated Income on Tax-exempt Loans and Leases to States and Political Subdivisions in the U.S. | RIAD4313 | $10K |
| Other Interest Income | RIAD4518 | $3K |
| Number of Full Time Equivalent Employees on Payroll at End of Current Period | RIAD4150 | 13 |
Schedule RC-B: Securities (25 items)
About Schedule RC-B · The Citizens Bank securities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Mortgage-backed Securities (MBS): Residential Pass-through Securities: Guaranteed by GNMA: Available-for-sale Amortized Cost | RCONG302 | $12K |
| Mortgage-backed Securities (MBS): Residential Pass-through Securities: Guaranteed by GNMA: Available-for-sale Fair Value | RCONG303 | $12K |
| Mortgage-backed Securities (MBS): Residential Pass-through Securities: Issued by FNMA and FHLMC: Available-for-sale Amortized Cost | RCONG306 | $54.7M |
| Mortgage-backed Securities (MBS): Residential Pass-through Securities: Issued by FNMA and FHLMC: Available-for-sale Fair Value | RCONG307 | $50.7M |
| 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 | $74K |
| 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 | $69K |
| Total Amortized Cost of Available-for-sale Securities | RCON1772 | $71.9M |
| 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 | $27.3M |
| Pledged Securities | RCON0416 | $25.2M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over 15 Years | RCONA560 | $22.9M |
| Amortized Cost of Available-for-sale Securities Issued by States and Political Subdivisions in the U.S. | RCON8498 | $17.1M |
| Fair Value of Available-for-sale Securities Issued by States and Political Subdivisions in the U.S. | RCON8499 | $16.4M |
| 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 Five Years Through Fifteen Years | RCONA553 | $11.0M |
| 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 of Over Ffteen Years | RCONA554 | $3.0M |
| 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 Three Years Through Five Years | RCONA552 | $979K |
| 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 | $729K |
| Fixed Rate and Floating Rate Debt Securities with a Remaining Maturity of One Year or Less | RCONA248 | $686K |
| 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 | $369K |
| 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 | $305K |
| 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 | $248K |
| 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 | $187K |
| OTHER MORTGAGE-BACKED SECURITIES (INCLUDE CMOs, REMICs, AND STRIPPED MBS) WITH AN EXPECTED AVERAGE LIFE OF OVER THREE YEARS | RCONA562 | $64K |
| 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 | $8K |
| OTHER MORTGAGE-BACKED SECURITIES (INCLUDE CMOs, REMICs, AND STRIPPED MBS) WITH AN EXPECTED AVERAGE LIFE OF THREE YEARS OR LESS | RCONA561 | $5K |
Schedule RC-C, Part I: Loans and Leases (24 items)
About Schedule RC-C, Part I · The Citizens Bank loans and leases trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Loans and Leases, Net of Unearned Income | RCON2122 | $37.7M |
| Fixed Rate and Floating Rate Loans and Leases with a Remaining Maturity of One Year or Less | RCONA247 | $24.8M |
| 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 | $15.3M |
| Loans to Finance Agricultural Production and Other Loans to Farmers | RCON1590 | $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 Three Months Through 12 Months | RCONA571 | $7.6M |
| Real Estate Loans Secured by Farmland | RCON1420 | $7.3M |
| Commercial and Industrial Loans | RCON1766 | $6.9M |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by First Liens | RCON5367 | $5.9M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Years Through Five Years | RCONA573 | $4.2M |
| 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 One Year Through Three Years | RCONA572 | $4.2M |
| Other Consumer Loans to Individuals for Household, Family, and Other Personal Expenditures (Includes Single Payment, Installment, and All Student Loans) | RCONK207 | $3.6M |
| 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 | $2.3M |
| Loans Secured by Owner Occupied Nonfarm Nonresidential Properties | RCONF160 | $2.2M |
| Automobile Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper) | RCONK137 | $1.5M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Months Through 12 Months | RCONA565 | $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 One Year Through Three Years | RCONA566 | $1.3M |
| Obligations (Other Than Securities and Leases) of States and Political Subdivisions in the U.S. | RCON2107 | $679K |
| 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 | $512K |
| 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 | $306K |
| 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 | $291K |
| Loans Secured by 1-4 Family Residential Construction | RCONF158 | $180K |
| Loans Secured by Other Nonfarm Nonresidential Properties. | RCONF161 | $100K |
| Other Loans | RCONJ464 | $16K |
| Loans Secured by Other Construction Loans and All Land Development and Other Land Loans | RCONF159 | $6K |
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 $100,000 Through $250,000 | RCON5573 | $3.0M |
| 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 | $3.0M |
| 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 | $3.0M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5571 | $2.7M |
| 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 | $2.2M |
| 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 | $1.9M |
| 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 | $1.3M |
| 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 | $1.1M |
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5565 | $1.1M |
| 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 | $869K |
| 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 | $697K |
| 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 | $355K |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5570 | 144 |
| Number of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5584 | 103 |
| Number of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5578 | 53 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5564 | 40 |
| 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 | 19 |
| 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 | 18 |
| 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 | 11 |
| 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 | 7 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5566 | 6 |
| 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 | 3 |
| Number of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $250,000 Through $500,000 | RCON5582 | 2 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5568 | 1 |
Schedule RC-E: Deposit Liabilities (22 items)
About Schedule RC-E · The Citizens Bank deposit liabilities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Nontransaction Accounts (Including Mmda's) | RCON2385 | $69.6M |
| Total Nontransaction Accounts Deposits of Individuals, Partnerships, and Corporations | RCONB550 | $61.5M |
| Total Transaction Accounts | RCON2215 | $46.5M |
| Total Demand Deposits (See Note Below) | RCON2210 | $32.6M |
| Total Transaction Accounts - Deposits of Individuals, Partnerships, and Corporation | RCONB549 | $31.4M |
| Time Deposits of 250000 or Less with a Remaining Maturity of One Year or Less | RCONHK11 | $25.7M |
| Total Time Deposits of Less Than $100,000 | RCON6648 | $19.0M |
| 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 | $18.7M |
| Components of Total Nontransaction Accounts: Total Time Deposits of More Than $250,000 | RCONJ474 | $16.2M |
| Time Deposits of More Than $250,000 with a Remaining Maturity of One or Year Less | RCONK222 | $15.6M |
| Total Transaction Accounts - Deposits of States and Political Subdivisions in the U.S. | RCON2203 | $15.1M |
| Components of Total Nontransaction Accounts: Total Time Deposits of $100,000 Through $250,000 | RCONJ473 | $14.2M |
| Other Nontransaction Savings Deposits (Excludes Mmda's) | RCON0352 | $12.1M |
| 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 | $9.0M |
| Total Nontransaction Accounts of States and Political Subdivisions in the U.S. | RCON2530 | $8.1M |
| Money Market Deposit Accounts (Mmda's) | RCON6810 | $8.0M |
| 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 One Year Through Three Years | RCONHK09 | $7.5M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONHK07 | $7.1M |
| 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 | $6.5M |
| All Time and Savings Deposits Held in IRA and Keogh Plan Accounts | RCON6835 | $5.6M |
| Individual Retirement Accounts (Iras) and Keogh Plan Accounts Included in Memorandum Item 2.C, 'Total Time Deposits of $100,000 or More,' Above | RCONF233 | $2.3M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONHK14 | $685K |
Schedule RC-F: Other Assets (7 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Net Deferred Tax Assets | RCON2148 | $1.4M |
| Accrued Interest Receivable | RCONB556 | $1.2M |
| Life Insurance Assets: General Account Life Insurance Assets | RCONK201 | $1.1M |
| Other Assets | RCON2168 | $176K |
| Prepaid Expenses | RCON2166 | $171K |
| Historical Cost of All Other Available-for-sale Equity Securities | RCON1752 | $92K |
| Computer Software | RCONFT33 | $5K |
Schedule RC-G: Other Liabilities (4 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| All Other Liabilities | RCON2938 | $303K |
| Deferred Compensation Liabilities | RCONC011 | $303K |
| Interest Accrued and Unpaid on Deposits (in Domestic Offices) | RCON3645 | $188K |
| Allowance for Credit Losses on Off-balance Sheet Credit Exposures | RCONB557 | $135K |
Schedule RC-K: Quarterly Averages (15 items)
About Schedule RC-K · The Citizens Bank quarterly averages trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Quarterly Average of Total Assets | RCON3368 | $130.0M |
| Mortgage-backed Securities | RCONB559 | $55.3M |
| Quarterly Average of Total Loans | RCON3360 | $38.9M |
| Liabilities, Nontransaction Accounts, Time Deposits of 250000 or Less | RCONHK16 | $33.1M |
| Nontransaction Accounts in Domestic Offices: Savings Deposits | RCONB563 | $19.7M |
| All Other Securities | RCONB560 | $17.0M |
| Liabilities, Nontransaction Accounts, Time Deposits of More Than 250000 | RCONHK17 | $15.2M |
| Transaction Accounts (in Domestic Offices) (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) - Quarterly Average | RCON3485 | $14.8M |
| Quarterly Average of All Other Loans Secured by Real Estate | RCON3466 | $9.7M |
| Quarterly Average of Loans to Finance Agricultural Production and Other Loans to Farmers | RCON3386 | $9.7M |
| Quarterly Average of Interest-bearing Balances Due from Depository Institutions | RCON3381 | $8.5M |
| Quarterly Average of Commercial and Industrial Loans | RCON3387 | $7.0M |
| Quarterly Average of Loans Secured by 1-4 Family Residential Properties | RCON3465 | $6.2M |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Other | RCONB562 | $5.5M |
| Quarterly Average of Federal Funds Sold and Securities Purchased Under Agreements to Resell | RCON3365 | $5.4M |
Schedule RC-L: Derivatives and Off-Balance-Sheet Items (4 items)
About Schedule RC-L · The Citizens Bank derivatives and off-balance-sheet items trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Other Unused Commitments: All Other Unused Commitments | RCONJ459 | $8.5M |
| 1-4 Family Residential Construction Loan Commitments | RCONF164 | $468K |
| Financial Standby Letters of Credit and Foreign Office Guarantees | RCON3819 | $363K |
| Other Unused Commitments: Commercial and Industrial Loans | RCONJ457 | $54K |
Schedule RC-M: Memoranda (2 items)
About Schedule RC-M · The Citizens Bank 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 | $2.4M |
| 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 | 1 |
Schedule RC-N: Past Due and Nonaccrual Loans, Leases, and Other Assets (20 items)
About Schedule RC-N · The Citizens Bank past due and nonaccrual loans, leases, and other assets trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Loans and Lease Financing Receivables: Past Due 30-89 Days and Still Accruing | RCON1406 | $1.5M |
| Commercial and Industrial Loans - Past Due 30-89 Days and Still Accruing | RCON1606 | $850K |
| Total Loans and Lease Financing Receivables: Past Due 90 Days or More and Still Accruing | RCON1407 | $437K |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens-past Due 30 Thru 89 Days and Still Accruing | RCONC236 | $377K |
| Total Loans and Lease Finance Receivables: Nonaccrual | RCON1403 | $270K |
| Loans Secured by Owner-occupied Nonfarm Nonresidential Properties, Nonaccrual | RCONF182 | $154K |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Automobile Loans - Past Due 90 Days or More and Still Accruing | RCONK214 | $141K |
| All Other Loans - Past Due 90 Days or More and Still Accruing | RCON5460 | $140K |
| All Other Loans - Past Due 30 Through 89 Days and Still Accruing | RCON5459 | $105K |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Automobile Loans - Past Due 30 Through 89 Days and Still Accruing | RCONK213 | $91K |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens-past Due 90 Days or More and Still Accruing | RCONC237 | $79K |
| Loans Secured by Other Nonfarm Nonresidential Properties, 90 or More Days Past Due and Still Accruing | RCONF181 | $74K |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Other - Past Due 30 Through 89 Days and Still Accruing | RCONK216 | $58K |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens-nonaccural | RCONC229 | $57K |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Automobile Loans - Nonaccrual | RCONK215 | $42K |
| Additions to Nonaccrual Assets | RCONC410 | $41K |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Other - Nonaccrual | RCONK218 | $15K |
| Loans Secured by Other Nonfarm Nonresidential Properties, 30-89 Days Past Due | RCONF179 | $11K |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Other - Past Due 90 Days or More and Still Accruing | RCONK217 | $3K |
| All Other Loans - Nonaccrual | RCON5461 | $2K |
Schedule RC-O: Other Data for Deposit Insurance Assessments (12 items)
About Schedule RC-O · The Citizens Bank other data for deposit insurance assessments trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average Consolidated Total Assets for the Calendar Quarter | RCONK652 | $130.0M |
| Total Deposit Liabilities as Defined in Section 3(1) of the Federal Deposit Insurance Act Before Exclusions | RCONF236 | $116.3M |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of $250,000 or Less | RCONF049 | $66.7M |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF051 | $43.9M |
| Average Tangible Equity for the Calendar Quarter | RCONK654 | $15.7M |
| Amount of Retirement Deposits Accounts of $250,000 or Less | RCONF045 | $5.3M |
| Amount of Retirement Deposit Accounts of More Than $250,000 | RCONF047 | $415K |
| Number of Deposit Accounts (Excluding Retirement Accounts)of $250,000 or Less | RCONF050 | 5,070 |
| Number of Retirement Deposit Accounts of $250,000 or Less | RCONF046 | 229 |
| Number of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF052 | 77 |
| Averaging Method Used | RCONK653 | 1 |
| Number of Retirement Deposit Accounts of More Than $250,000 | RCONF048 | 1 |
Schedule RC-R: Regulatory Capital (1 item)
About Schedule RC-R · The Citizens Bank 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 | $60.1M |
Schedule RC-R, Part I: Regulatory Capital Components and Ratios (21 items)
About Schedule RC-R, Part I · The Citizens Bank regulatory capital components and ratios trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average Total Assets (Net of Deductions) | RCOAA224 | $130.0M |
| Average total consolidated assets | RCOAKW03 | $130.0M |
| Risk-weighted Assets (Net of Allowances and Other Deductions) | RCOAA223 | $60.1M |
| Total Qualifying Capital Allowable Under the Risk-based Capital Guidelines | RCOA3792 | $16.5M |
| Common Equity Tier 1 Capital | RCOAP859 | $15.9M |
| Subtotal of Common Equity Tier 1 Capital: Adjustments and Deductions | RCOAP852 | $15.9M |
| Tier 1 Capital Allowable Under the Risk-based Capital Guidelines | RCOA8274 | $15.9M |
| Retained Earnings | RCOAKW00 | $15.3M |
| Common Equity Tier 1 Capital Before Adjustments and Deductions | RCOAP840 | $12.4M |
| Accumulated Other Comprehensive Income | RCOAB530 | -$3.5M |
| 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 | -$3.5M |
| General Loan and Lease Valuation Allowances | RCOA5310 | $632K |
| Tier 2 (Supplementary) Capital | RCOA5311 | $632K |
| Tier 2 Capital Before Deductions | RCOAP870 | $632K |
| Common Equity Tier 1 Capital: Common Stock Plus Related Surplus, Net of Treasury Stock and Unearned Employee Stock Ownership Plan (ESOP) Shares | RCOAP742 | $550K |
| A. AOCI Opt-out Election (Enter '1' for Yes, Enter '0' for No.) | RCOAP838 | 1 |
| Total Risk-based Capital Ratio | RCOA7205 | 0.2751 |
| Common Equity Tier 1 Capital Ratio | RCOAP793 | 0.2646 |
| Tier 1 Risk-based Capital Ratio | RCOA7206 | 0.2646 |
| Institution-specific Capital Buffer Necessary to Avoid Limitations on Distributions and Discretionary Bonus Payments: Capital Conservation Buffer | RCOAH311 | 0.1951 |
| Tier 1 Leverage Capital Ratio | RCOA7204 | 0.1222 |
Schedule RC-R, Part II: Risk-Weighted Assets (43 items)
About Schedule RC-R, Part II · The Citizens Bank risk-weighted assets trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 20 Pct Risk Weight Category | RCONG631 | $73.8M |
| Total Balance Sheet Assets - 20 Pct Risk Weight Category | RCOND988 | $73.8M |
| Available-for-sale debt securities and equity securities with readily determinable fair values not held for trading purposes, Total Fair Value | RCONJA21 | $67.2M |
| Available-for-sale Securities - 20 Pct Risk Weight Category | RCOND968 | $63.3M |
| Risk-weighted Assets for Purposes of Calculating the Allowance for Loan and Lease Losses 1.25 Percent Threshold | RCONS580 | $60.1M |
| Total Risk-weighted Assets | RCONG641 | $60.1M |
| Risk-weighted Assets by Risk-weighted Category - 100 Pct Risk Weight Category | RCONG637 | $37.3M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 100 Pct Risk Weight Category | RCONG633 | $37.3M |
| Total Balance Sheet Assets - 100 Pct Risk Weight Category | RCOND990 | $35.5M |
| Loans and Leases, Net of Unearned Income, All Other Exposures - 100 Pct Risk Weight Category | RCONS462 | $31.3M |
| Total Loans and Leases, Net of Unearned Income, All Other Exposures | RCONS457 | $31.3M |
| Risk-weighted Assets by Risk-weighted Category - 20 Pct Risk Weight Category | RCONG635 | $14.8M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 50 Pct Risk Weight Category | RCONG632 | $14.3M |
| Total Cash and Balances Due from Depository Institutions | RCOND957 | $14.1M |
| Total Balance Sheet Assets - 50 Pct Risk Weight Category | RCOND989 | $13.9M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 0 Pct Risk Weight Category | RCONG630 | $10.6M |
| Total Balance Sheet Assets - 0 Pct Risk Weight Category | RCOND987 | $10.6M |
| Cash and Balances Due from Depository Institutions - 0 Pct Risk Weight Category | RCOND958 | $10.2M |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, Face, Notional or Other Amount | RCONS525 | $9.0M |
| Available-for-sale Securities - 50 Pct Risk Weight Category | RCOND969 | $8.1M |
| Risk-weighted Assets by Risk-weighted Category - 50 Pct Risk Weight Category | RCONG636 | $7.1M |
| Federal Funds Sold in Domestic Offices | RCOND971 | $6.5M |
| Federal Funds Sold in Domestic Offices - 20 Pct Risk Weight Category | RCOND973 | $6.5M |
| Total Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures | RCONS439 | $5.9M |
| Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures - 50 Pct Risk Weight Category | RCONS442 | $5.8M |
| Total Balance Sheet Assets - Adjustments to Total Reported in Column a | RCONS500 | -$5.2M |
| Available-for-sale Securities - Adjustment to Totals Reported in Column a | RCONS402 | -$4.7M |
| Total All Other Assets | RCOND981 | $4.2M |
| All Other Assets - 100 Pct Risk Weight Category | RCOND985 | $4.1M |
| Cash and Balances Due from Depository Institutions - 20 Pct Risk Weight Category | RCOND959 | $4.0M |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, 100% | RCONS530 | $1.8M |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, Credit Equivalent Amount | RCONS526 | $1.8M |
| Risk-weighted Assets by Risk-weighted Category - 150 Pct Risk Weight Category | RCONS572 | $857K |
| Loans and Leases, Net of Unearned Income, Exposures Past Due 90 Days or More or on Nonaccrual - 150 Pct Risk Weight Category | RCONS455 | $571K |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 150 Pct Risk Weight Category | RCONS561 | $571K |
| Total Balance Sheet Assets - 150 Pct Risk Weight Category | RCONS503 | $571K |
| Total Loans and Leases, Net of Unearned Income, Exposures Past Due 90 Days or More or on Nonaccrual | RCONS449 | $571K |
| Available-for-sale Securities - 0 Pct Risk Weight Category | RCOND967 | $420K |
| Financial Standby Letters of Credit - 50 Pct Risk Weight Category | RCOND995 | $363K |
| Financial Standby Letters of Credit - Credit Equivalent Amount | RCOND992 | $363K |
| Financial Standby Letters of Credit - Face, Notional, or Other Amount | RCOND991 | $363K |
| Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures - 100 Pct Risk Weight Category | RCONS443 | $136K |
| All Other Assets - 20 Pct Risk Weight Category | RCOND983 | $92K |
Schedule RI-A: Changes in Bank Equity Capital (4 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Equity Capital | RIAD3210 | $12.4M |
| Balance End of Previous Calendar Year as Restated | RIADB508 | $12.3M |
| Equity Capital, Most Recently Reported for the End of Previous Calendar Year (I.e., After Adjustments from Amended Reports of Income) | RIAD3217 | $12.3M |
| Other Comprehensive Income | RIADB511 | -$553K |
Schedule RI-B, Part I: Charge-offs and Recoveries on Loans and Leases (6 items)
About Schedule RI-B, Part I · The Citizens Bank charge-offs and recoveries on loans and leases trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Charge-offs on Allowance for Loan and Lease Losses | RIAD4635 | $18K |
| Charge-offs All Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADK205 | $16K |
| Recoveries on Allowance for Loan and Lease Losses | RIAD4605 | $7K |
| Recoveries All Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADK206 | $5K |
| Charge-offs on Automobile Loans | RIADK129 | $2K |
| Recoveries on Automobile Loans | RIADK133 | $2K |
Schedule RI-B, Part II: Changes in Allowances for Credit Losses (3 items)
About Schedule RI-B, Part II · The Citizens Bank changes in allowances for credit losses trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Allowance for Loan and Lease Losses | RIAD3123 | $497K |
| Balance Most Recently Reported for the December 31, 2000, Reports of Condition and Income(i.e., After Adjustments from Amended Report of Income) | RIADB522 | $493K |
| Charge-offs on Allowance for Loan and Lease Losses | RIADC079 | $18K |
Schedule RI-E: Explanations (17 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Data Processing Expenses | RIADC017 | $127K |
| Accounting and Auditing Expenses | RIADF556 | $51K |
| Automated Teller Machine (ATM) and Interchange Expense | RIADF558 | $32K |
| Consulting and Advisory Expense | RIADF557 | $22K |
| Directors' Fees | RIAD4136 | $22K |
| Income and Fees from Automated Teller Machines (Atms) | RIADC016 | $22K |
| Third Itemized Amount That Exceeds 10% of Other Noninterest Expense (4092) | RIAD4468 | $22K |
| First Itemized Amount That Exceeds 10% of Other Noninterest Expense (4092) | RIAD4464 | $21K |
| Printing, Stationery, and Supplies | RIADC018 | $21K |
| Earnings On/increase in Value of Cash Surrender Value of Life Insurance | RIADC014 | $14K |
| First Itemized Amount That Exceeds 10% of All Other Noninterest Income (5408) | RIAD4461 | $14K |
| Second Itemized Amount That Exceeds 10% of Other Noninterest Expense (4092) | RIAD4467 | $14K |
| Telecommunications Expense | RIADF559 | $8K |
| Marketing and Other Professional Services | RIAD0497 | $7K |
| Operating Expenses Communications - Postage, Monthly | RIAD8403 | $7K |
| Safe Deposit Box Rent | RIADC015 | $4K |
| Income and Fees from Wire Transfers | RIADT047 | $3K |
The Citizens Bank call reports on file
Each link opens the bank's filed report on the FFIEC Central Data Repository.
- Q2 2026 call report (quarter ended June 30, 2026)
- Q1 2026 call report (quarter ended March 31, 2026)
- Q4 2025 call report (quarter ended December 31, 2025)
- Q3 2025 call report (quarter ended September 30, 2025)
- Q2 2025 call report (quarter ended June 30, 2025)
- Q1 2025 call report (quarter ended March 31, 2025)
Where can I find the The Citizens Bank call report?
The The Citizens Bank call report for the quarter ended June 30, 2026 is on this page, schedule by schedule. The official PDF is on the FFIEC Central Data Repository, linked here for every quarter on file. Call reports are public: anyone can read or download them without an account.
Which call report form does The Citizens Bank file?
The Citizens Bank files the FFIEC 041. 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 The Citizens Bank call report number?
A call report has no number of its own. It is filed and looked up by the bank's identifiers: The Citizens Bank has Federal Reserve RSSD ID 571135 and FDIC certificate number 22358. Either one finds its filings on the FFIEC Central Data Repository.
How often does The Citizens Bank file a call report?
Every quarter, as of March 31, June 30, September 30 and December 31. The report is due 30 calendar days after the quarter ends, or 35 days for a bank with more than one foreign office.
The Citizens Bank financial reports and ratios →
New to call reports? What a call report is, every call report code explained, and how the UBPR turns it into ratios.
Regulator records: FDIC BankFind (cert 22358) · FFIEC NIC profile (RSSD 571135)