Bank call report · Jackson, KY
Citizens Bank & Trust Co. of Jackson Call Report
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Citizens Bank & Trust Co. of Jackson filed its latest call report for the quarter ended June 30, 2026 on the FFIEC 051. Below are its 322 reported line items, schedule by schedule (730 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 | 765318 |
| FDIC certificate number | 18620 |
| Total assets | $217.3M |
Official Q2 2026 call report PDF (FFIEC) →
Citizens Bank & Trust Co. of Jackson 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 (26 items)
About Schedule RC · Citizens Bank & Trust Co. of Jackson balance sheet trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Assets | RCON2170 | $217.3M |
| Total Liabilities, Limited-life Preferred Stock, and Equity Capital | RCON3300 | $217.3M |
| Total Liabilities and Minority Interest | RCON2948 | $194.4M |
| Total Deposits | RCON2200 | $190.9M |
| Loans and Leases, Net of Unearned Income - Totals | RCONB528 | $162.6M |
| Loans and Leases, Net of Unearned Income and Allowance | RCONB529 | $160.6M |
| Total Interest-bearing Deposits in Foreign and Domestic Offices | RCON6636 | $156.6M |
| Deposits: Noninterest-bearing | RCON6631 | $34.3M |
| Available-for-sale debt securities (from Schedule RC-B, column D) | RCON1773 | $23.3M |
| Total Equity Capital | RCON3210 | $22.9M |
| Total Equity Capital Including Noncontrolling Minority Interests in Consolidated Subsidiaries | RCONG105 | $22.9M |
| Surplus | RCON3839 | $12.5M |
| Interest-bearing Balances | RCON0071 | $10.4M |
| Undivided Profits and Capital Reserves | RCON3632 | $10.3M |
| Other Assets | RCON2160 | $7.2M |
| Federal Funds Sold | RCONB987 | $6.4M |
| Noninterest-bearing Balances and Currency and Coin | RCON0081 | $3.9M |
| Other Borrowed Money | RCON3190 | $2.5M |
| Premises and Fixed Assets (Including Capitalized Leases) | RCON2145 | $2.4M |
| Goodwill | RCON3163 | $2.2M |
| Intangible Assets | RCON2143 | $2.2M |
| Allowance for Loan and Lease Losses | RCON3123 | $2.1M |
| Other Liabilities, Total | RCON2930 | $986K |
| Other Real Estate Owned | RCON2150 | $948K |
| Common Stock | RCON3230 | $310K |
| Accumulated Other Comprehensive Income | RCONB530 | -$167K |
Schedule RI: Income Statement (37 items)
About Schedule RI · Citizens Bank & Trust Co. of Jackson income statement trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Interest Income | RIAD4107 | $6.1M |
| Interest and Fee Income on Loans, Total | RIAD4010 | $5.3M |
| Net Interest Income | RIAD4074 | $4.4M |
| Total Noninterest Expense | RIAD4093 | $4.1M |
| Interest and Fee Income on All Other Loans Secured by Real Estate | RIAD4436 | $2.2M |
| Salaries and Employee Benefits | RIAD4135 | $1.8M |
| Other Noninterest Expense | RIAD4092 | $1.7M |
| Interest and Fee Income on Loans Secured by 1-4 Family Residential Properties | RIAD4435 | $1.7M |
| Total Interest Expense | RIAD4073 | $1.6M |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of 250000 or Less | RIADHK03 | $1.1M |
| Income (Loss) Before Applicable Income Taxes and Discontinued Operations | RIAD4301 | $1.1M |
| Income (Loss) Before Discontinued Operations | RIAD4300 | $1.1M |
| 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 | $1.1M |
| Net Income (Loss) | RIAD4340 | $1.1M |
| Net Income (Loss) Attributable to Bank and Noncontrolling Minority Interests | RIADG104 | $1.1M |
| Interest and Fee Income on Commercial and Industrial Loans | RIAD4012 | $872K |
| Total Noninterest Income | RIAD4079 | $805K |
| Expenses of Premises and Fixed Assets | RIAD4217 | $564K |
| 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 | $537K |
| Service Charges on Deposit Accounts in Domestic Offices | RIAD4080 | $470K |
| Interest and Dividend Income on Securities: U.S. Treasury Securities and U.S. Government Agency Obligations (Excluding Mortgage-backed Securities) | RIADB488 | $403K |
| Other Noninterest Income | RIADB497 | $292K |
| Interest Income on Balances Due from Depository Institutions | RIAD4115 | $242K |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of More Than 250000 | RIADHK04 | $223K |
| Interest on Transaction Accounts (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) | RIAD4508 | $184K |
| Interest Income on Federal Funds Sold and Securities Purchased Under Agreements to Resell | RIAD4020 | $94K |
| Provision for Loan and Lease Losses | RIAD4230 | $60K |
| Provisions for Credit Losses on Financial Assets | RIADJJ33 | $60K |
| Loans to Individuals for Households, Family, and Other Personal Expenditures: Credit Cards | RIADB485 | $55K |
| Other Interest Expense | RIADGW44 | $51K |
| Savings Deposits (Including Mmdas) | RIAD0093 | $44K |
| Estimated Income on Tax-exempt Loans and Leases to States and Political Subdivisions in the U.S. | RIAD4313 | $16K |
| Interest and Fee Income on All Other Loans in Domestic Offices | RIAD4058 | $16K |
| Net Gains (Losses) on Sales of Other Assets (Excluding Securities) | RIADB496 | $12K |
| Other Interest Income | RIAD4518 | $10K |
| Noninterest income: Income from insurance activities | RIADHT74 | $7K |
| Number of Full Time Equivalent Employees on Payroll at End of Current Period | RIAD4150 | 45 |
Schedule RC-B: Securities (11 items)
About Schedule RC-B · Citizens Bank & Trust Co. of Jackson securities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Amortized Cost of Available-for-sale Securities | RCON1772 | $23.5M |
| Pledged Securities | RCON0416 | $21.6M |
| Amortized Cost of Available-for-sale U.S. Treasury Securities | RCON1286 | $17.4M |
| Fair Value of Available-for-sale U.S. Treasury Securities | RCON1287 | $17.3M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONA551 | $12.9M |
| Fixed Rate and Floating Rate Debt Securities with a Remaining Maturity of One Year or Less | RCONA248 | $8.4M |
| 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 Three Months Through 12 Months | RCONA550 | $6.4M |
| US government agency obligations (exclude mortgage-backed securities), Available for sale, Amortized Cost | RCONHT52 | $6.1M |
| US government agency obligations (exclude mortgage-backed securities), Available for sale, Fair Value | RCONHT53 | $6.0M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Three Months of Less | RCONA549 | $2.0M |
| 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 | $2.0M |
Schedule RC-C, Part I: Loans and Leases (33 items)
About Schedule RC-C, Part I · Citizens Bank & Trust Co. of Jackson loans and leases trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Loans and Leases, Net of Unearned Income | RCON2122 | $162.6M |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by First Liens | RCON5367 | $59.9M |
| Adjustable Rate Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties | RCON5370 | $58.2M |
| 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 Three Months or Less | RCONA570 | $45.1M |
| Loans Secured by Other Nonfarm Nonresidential Properties. | RCONF161 | $28.3M |
| Fixed Rate and Floating Rate Loans and Leases with a Remaining Maturity of One Year or Less | RCONA247 | $27.4M |
| Commercial and Industrial Loans | RCON1766 | $23.2M |
| 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 | $22.8M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Years Through Five Years | RCONA567 | $22.2M |
| 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 | $18.4M |
| Loans Secured by Owner Occupied Nonfarm Nonresidential Properties | RCONF160 | $12.2M |
| Pledged Loans and Leases | RCONG378 | $12.1M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Months Through 12 Months | RCONA571 | $11.9M |
| Loans Secured by Other Construction Loans and All Land Development and Other Land Loans | RCONF159 | $11.6M |
| 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 Years Through Five Years | RCONA573 | $9.2M |
| Other Consumer Loans to Individuals for Household, Family, and Other Personal Expenditures (Includes Single Payment, Installment, and All Student Loans) | RCONK207 | $8.1M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over 15 Years | RCONA575 | $7.6M |
| 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 | $7.4M |
| Loans Secured by 1-4 Family Residential Construction | RCONF158 | $6.4M |
| 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 15 Years | RCONA569 | $5.4M |
| Real Estate Loans Secured by Farmland | RCON1420 | $3.4M |
| Real Estate Loans Secured by Multi-family (5 or More) Residential Properties | RCON1460 | $3.3M |
| 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 | $3.1M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Three Months or Less | RCONA564 | $2.8M |
| Automobile Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper) | RCONK137 | $2.1M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Months Through 12 Months | RCONA565 | $1.8M |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by Junior Liens | RCON5368 | $1.6M |
| Obligations (Other Than Securities and Leases) of States and Political Subdivisions in the U.S. | RCON2107 | $1.0M |
| Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper): Credit Cards | RCONB538 | $913K |
| Other Loans | RCONJ464 | $469K |
| Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit | RCON1797 | $133K |
| Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper): Other Revolving Credit Plans | RCONB539 | $40K |
| Loans Secured by 1-4 Family Residential Properties in Domestic Offices in Process of Foreclosure (Included in Rc-c, Part I, Items 1.C.(1), 1.C.(2)(A), and 1.C.(2)(B) | RCONF577 | $35K |
Schedule RC-C, Part II: Loans to Small Businesses and Small Farms (18 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 | $21.1M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5575 | $5.6M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5571 | $4.0M |
| 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 | $2.5M |
| 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 | $1.1M |
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5565 | $824K |
| 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 | $289K |
| 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 | $257K |
| 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 | $232K |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5570 | 163 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5568 | 45 |
| 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 | 25 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5564 | 21 |
| 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 | 14 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5566 | 11 |
| Number of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5578 | 6 |
| 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 | 3 |
| Number of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5580 | 2 |
Schedule RC-E: Deposit Liabilities (32 items)
About Schedule RC-E · Citizens Bank & Trust Co. of Jackson deposit liabilities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Nontransaction Accounts (Including Mmda's) | RCON2385 | $100.6M |
| Total Nontransaction Accounts Deposits of Individuals, Partnerships, and Corporations | RCONB550 | $98.3M |
| Total Transaction Accounts | RCON2215 | $90.2M |
| Total Transaction Accounts - Deposits of Individuals, Partnerships, and Corporation | RCONB549 | $70.6M |
| Total Demand Deposits (See Note Below) | RCON2210 | $52.8M |
| Other Nontransaction Savings Deposits (Excludes Mmda's) | RCON0352 | $33.2M |
| Time Deposits of 250000 or Less with a Remaining Maturity of One Year or Less | RCONHK11 | $32.7M |
| Components of Total Nontransaction Accounts: Total Time Deposits of $100,000 Through $250,000 | RCONJ473 | $24.6M |
| Components of Total Nontransaction Accounts: Total Time Deposits of More Than $250,000 | RCONJ474 | $23.8M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONHK08 | $20.5M |
| Total Time Deposits of Less Than $100,000 | RCON6648 | $19.0M |
| Total Transaction Accounts - Deposits of States and Political Subdivisions in the U.S. | RCON2203 | $18.9M |
| Time Deposits of More Than $250,000 with a Remaining Maturity of One or Year Less | RCONK222 | $17.6M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONHK07 | $12.2M |
| 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 Over Three Months Through 12 Months | RCONHK13 | $11.1M |
| Selected Components of Total Deposits, Brokered Deposits of 250000 or Less (Fully Insured Brokered Deposits) | RCONHK05 | $10.0M |
| Selected Components of Total Deposits, Brokered Deposits of 250000 or Less with a Remaining Maturity of One Year or Less | RCONHK06 | $10.0M |
| Total Brokered Deposits | RCON2365 | $10.0M |
| 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 | $9.7M |
| All Time and Savings Deposits Held in IRA and Keogh Plan Accounts | RCON6835 | $8.8M |
| Sweep deposits: Fully insured, non-affiliate sweep deposits | RCONMT91 | $7.7M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONHK12 | $6.5M |
| 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 One Year Through Three Years | RCONHK14 | $5.8M |
| Total reciprocal deposits | RCONJH83 | $5.5M |
| Individual Retirement Accounts (Iras) and Keogh Plan Accounts Included in Memorandum Item 2.C, 'Total Time Deposits of $100,000 or More,' Above | RCONF233 | $5.2M |
| Total sweep deposits that are not brokered deposits | RCONMT95 | $2.8M |
| Total Nontransaction Accounts of States and Political Subdivisions in the U.S. | RCON2530 | $2.2M |
| 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 Over Three Years | RCONHK10 | $1.1M |
| Total Transaction Accounts - Deposits of Commercial Banks and Other Depository Institutions in the U.S. | RCONB551 | $742K |
| 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 Years | RCONHK15 | $395K |
| Total Nontransaction Accounts of Commercial Banks and Other Depository Institutions in the U.S. | RCONB552 | $128K |
| Money Market Deposit Accounts (Mmda's) | RCON6810 | $19K |
Schedule RC-F: Other Assets (7 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Life Insurance Assets: General Account Life Insurance Assets | RCONK201 | $2.8M |
| Life Insurance Assets: Separate Account Life Insurance Assets | RCONK202 | $2.4M |
| Accrued Interest Receivable | RCONB556 | $1.2M |
| Historical Cost of All Other Available-for-sale Equity Securities | RCON1752 | $483K |
| Other Assets | RCON2168 | $370K |
| Second Itemized Amount That Exceeds 25% of All Other Assets (2168) | RCON3550 | $167K |
| First Itemized Amount That Exceeds 25% of All Other Assets (2168) | RCON3549 | $139K |
Schedule RC-G: Other Liabilities (2 items)
Schedule RC-K: Quarterly Averages (15 items)
About Schedule RC-K · Citizens Bank & Trust Co. of Jackson quarterly averages trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Quarterly Average of Total Assets | RCON3368 | $217.4M |
| Quarterly Average of Total Loans | RCON3360 | $162.1M |
| Quarterly Average of Loans Secured by 1-4 Family Residential Properties | RCON3465 | $63.1M |
| Quarterly Average of All Other Loans Secured by Real Estate | RCON3466 | $56.9M |
| Transaction Accounts (in Domestic Offices) (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) - Quarterly Average | RCON3485 | $40.4M |
| Liabilities, Nontransaction Accounts, Time Deposits of 250000 or Less | RCONHK16 | $37.1M |
| Nontransaction Accounts in Domestic Offices: Savings Deposits | RCONB563 | $33.2M |
| Liabilities, Nontransaction Accounts, Time Deposits of More Than 250000 | RCONHK17 | $31.5M |
| Quarterly Average of Commercial and Industrial Loans | RCON3387 | $25.0M |
| U.S. Treasury Securities and U.S. Government Agency Obligations (Excluding Mortgage-backed Securities) | RCONB558 | $23.5M |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Other | RCONB562 | $10.2M |
| Quarterly Average of Interest-bearing Balances Due from Depository Institutions | RCON3381 | $10.1M |
| Quarterly Average of Federal Funds Sold and Securities Purchased Under Agreements to Resell | RCON3365 | $6.4M |
| Quarterly Average of Other Borrowed Money | RCON3355 | $2.5M |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Credit Cards | RCONB561 | $1.0M |
Schedule RC-L: Derivatives and Off-Balance-Sheet Items (9 items)
About Schedule RC-L · Citizens Bank & Trust Co. of Jackson derivatives and off-balance-sheet items trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Commercial Real Estate, Other Construction Loan and Land Development Loan Commitments | RCONF165 | $5.6M |
| All Other Off-balance Sheet Liabilities | RCON3430 | $5.0M |
| First Component of Other Off-balance Sheet Liabilities That Is Over 25% of Total Equity Capital (3210) | RCON3555 | $5.0M |
| Other Unused Commitments: Commercial and Industrial Loans | RCONJ457 | $3.8M |
| Unused Commitments - Credit Card Lines | RCON3815 | $2.0M |
| 1-4 Family Residential Construction Loan Commitments | RCONF164 | $558K |
| Other Unused Commitments: All Other Unused Commitments | RCONJ459 | $377K |
| Financial Standby Letters of Credit and Foreign Office Guarantees | RCON3819 | $248K |
| Performance Standby Letters of Credit | RCON3821 | $67K |
Schedule RC-M: Memoranda (4 items)
About Schedule RC-M · Citizens Bank & Trust Co. of Jackson 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 | $4.6M |
| FHLB Advances: Advances with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONF056 | $2.5M |
| All Other Real Estate Owned: Construction and Land Development in Domestic Offices | RCON5508 | $948K |
| 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 (20 items)
About Schedule RC-N · Citizens Bank & Trust Co. of Jackson past due and nonaccrual loans, leases, and other assets trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Loans and Lease Finance Receivables: Nonaccrual | RCON1403 | $4.9M |
| Nonaccrual Assets Sold During the Quarter | RCONC411 | $4.1M |
| Other Construction Loans and All Land Development and Other Land Loans, Nonaccrual | RCONF177 | $2.0M |
| Total Loans and Lease Financing Receivables: Past Due 30-89 Days and Still Accruing | RCON1406 | $2.0M |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens-nonaccural | RCONC229 | $1.9M |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens-past Due 30 Thru 89 Days and Still Accruing | RCONC236 | $1.4M |
| Commercial and Industrial Loans - Nonaccrual | RCON1608 | $834K |
| Total Loans and Lease Financing Receivables: Past Due 90 Days or More and Still Accruing | RCON1407 | $515K |
| Commercial and Industrial Loans - Past Due 90 Days or More and Still Accruing | RCON1607 | $270K |
| Commercial and Industrial Loans - Past Due 30-89 Days and Still Accruing | RCON1606 | $252K |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by Junior Liens-nonaccural | RCONC230 | $241K |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Other - Past Due 30 Through 89 Days and Still Accruing | RCONK216 | $182K |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens-past Due 90 Days or More and Still Accruing | RCONC237 | $96K |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Automobile Loans - Past Due 30 Through 89 Days and Still Accruing | RCONK213 | $83K |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Credit Cards - Past Due 90 Days or More and Still Accruing | RCONB576 | $66K |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Automobile Loans - Past Due 90 Days or More and Still Accruing | RCONK214 | $55K |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Credit Cards - Past Due 30 Through 89 Days and Still Accruing | RCONB575 | $34K |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Other - Past Due 90 Days or More and Still Accruing | RCONK217 | $28K |
| All Other Loans - Past Due 30 Through 89 Days and Still Accruing | RCON5459 | $26K |
| Loans Secured by Other Nonfarm Nonresidential Properties, 30-89 Days Past Due | RCONF179 | $11K |
Schedule RC-O: Other Data for Deposit Insurance Assessments (12 items)
About Schedule RC-O · Citizens Bank & Trust Co. of Jackson other data for deposit insurance assessments trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average Consolidated Total Assets for the Calendar Quarter | RCONK652 | $217.4M |
| Total Deposit Liabilities as Defined in Section 3(1) of the Federal Deposit Insurance Act Before Exclusions | RCONF236 | $191.1M |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of $250,000 or Less | RCONF049 | $127.6M |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF051 | $54.7M |
| Average Tangible Equity for the Calendar Quarter | RCONK654 | $20.7M |
| Amount of Retirement Deposits Accounts of $250,000 or Less | RCONF045 | $6.4M |
| Amount of Retirement Deposit Accounts of More Than $250,000 | RCONF047 | $2.4M |
| Number of Deposit Accounts (Excluding Retirement Accounts)of $250,000 or Less | RCONF050 | 9,042 |
| Number of Retirement Deposit Accounts of $250,000 or Less | RCONF046 | 202 |
| Number of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF052 | 96 |
| Number of Retirement Deposit Accounts of More Than $250,000 | RCONF048 | 8 |
| Averaging Method Used | RCONK653 | 1 |
Schedule RC-R: Regulatory Capital (2 items)
About Schedule RC-R · Citizens Bank & Trust Co. of Jackson regulatory capital trends
Schedule RC-R, Part I: Regulatory Capital Components and Ratios (23 items)
About Schedule RC-R, Part I · Citizens Bank & Trust Co. of Jackson regulatory capital components and ratios trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average total consolidated assets | RCOAKW03 | $217.4M |
| Average Total Assets (Net of Deductions) | RCOAA224 | $215.2M |
| Risk-weighted Assets (Net of Allowances and Other Deductions) | RCOAA223 | $145.5M |
| Common Equity Tier 1 Capital Before Adjustments and Deductions | RCOAP840 | $22.9M |
| Total Qualifying Capital Allowable Under the Risk-based Capital Guidelines | RCOA3792 | $22.7M |
| Common Equity Tier 1 Capital | RCOAP859 | $20.9M |
| Subtotal of Common Equity Tier 1 Capital: Adjustments and Deductions | RCOAP852 | $20.9M |
| Tier 1 Capital Allowable Under the Risk-based Capital Guidelines | RCOA8274 | $20.9M |
| Common Equity Tier 1 Capital: Common Stock Plus Related Surplus, Net of Treasury Stock and Unearned Employee Stock Ownership Plan (ESOP) Shares | RCOAP742 | $12.8M |
| Retained Earnings | RCOAKW00 | $10.3M |
| Goodwill Net of Associated Deferred Tax Liabilities (Dtls) | RCOAP841 | $2.2M |
| Less: Deductions from Common Equity Tier 1 Capital and Additional Tier 1 Capital (Sum of Items 6, 7, 8, 10.B, 11, 13 Through 17 and Certain Elements of Item 24 - See Instructions) | RCOAP875 | $2.2M |
| General Loan and Lease Valuation Allowances | RCOA5310 | $1.8M |
| Tier 2 (Supplementary) Capital | RCOA5311 | $1.8M |
| Tier 2 Capital Before Deductions | RCOAP870 | $1.8M |
| Accumulated Other Comprehensive Income | RCOAB530 | -$167K |
| 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 | -$167K |
| A. AOCI Opt-out Election (Enter '1' for Yes, Enter '0' for No.) | RCOAP838 | 1 |
| Total Risk-based Capital Ratio | RCOA7205 | 0.156 |
| Common Equity Tier 1 Capital Ratio | RCOAP793 | 0.1435 |
| Tier 1 Risk-based Capital Ratio | RCOA7206 | 0.1435 |
| Tier 1 Leverage Capital Ratio | RCOA7204 | 0.0971 |
| Institution-specific Capital Buffer Necessary to Avoid Limitations on Distributions and Discretionary Bonus Payments: Capital Conservation Buffer | RCOAH311 | 0.076 |
Schedule RC-R, Part II: Risk-Weighted Assets (51 items)
About Schedule RC-R, Part II · Citizens Bank & Trust Co. of Jackson 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 | $145.8M |
| Total Risk-weighted Assets | RCONG641 | $145.5M |
| Risk-weighted Assets by Risk-weighted Category - 100 Pct Risk Weight Category | RCONG637 | $108.9M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 100 Pct Risk Weight Category | RCONG633 | $108.9M |
| Total Balance Sheet Assets - 100 Pct Risk Weight Category | RCOND990 | $107.9M |
| Total Loans and Leases, Net of Unearned Income, All Other Exposures | RCONS457 | $97.7M |
| Loans and Leases, Net of Unearned Income, All Other Exposures - 100 Pct Risk Weight Category | RCONS462 | $96.0M |
| Total Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures | RCONS439 | $61.6M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 50 Pct Risk Weight Category | RCONG632 | $57.4M |
| Total Balance Sheet Assets - 50 Pct Risk Weight Category | RCOND989 | $57.4M |
| Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures - 50 Pct Risk Weight Category | RCONS442 | $57.1M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 0 Pct Risk Weight Category | RCONG630 | $32.9M |
| Total Balance Sheet Assets - 0 Pct Risk Weight Category | RCOND987 | $32.9M |
| Risk-weighted Assets by Risk-weighted Category - 50 Pct Risk Weight Category | RCONG636 | $28.7M |
| Available-for-sale debt securities and equity securities with readily determinable fair values not held for trading purposes, Total Fair Value | RCONJA21 | $23.3M |
| Available-for-sale Securities - 0 Pct Risk Weight Category | RCOND967 | $17.4M |
| Total Cash and Balances Due from Depository Institutions | RCOND957 | $14.3M |
| Cash and Balances Due from Depository Institutions - 0 Pct Risk Weight Category | RCOND958 | $13.8M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 20 Pct Risk Weight Category | RCONG631 | $13.5M |
| Total Balance Sheet Assets - 20 Pct Risk Weight Category | RCOND988 | $13.5M |
| Total All Other Assets | RCOND981 | $12.7M |
| All Other Assets - 100 Pct Risk Weight Category | RCOND985 | $7.3M |
| Federal Funds Sold in Domestic Offices | RCOND971 | $6.4M |
| Federal Funds Sold in Domestic Offices - 20 Pct Risk Weight Category | RCOND973 | $6.4M |
| Available-for-sale Securities - 20 Pct Risk Weight Category | RCOND968 | $6.1M |
| Risk-weighted Assets by Risk-weighted Category - 150 Pct Risk Weight Category | RCONS572 | $4.9M |
| Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures - 100 Pct Risk Weight Category | RCONS443 | $4.5M |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, Face, Notional or Other Amount | RCONS525 | $3.8M |
| Loans and Leases, Net of Unearned Income, Exposures Past Due 90 Days or More or on Nonaccrual - 150 Pct Risk Weight Category | RCONS455 | $3.3M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 150 Pct Risk Weight Category | RCONS561 | $3.3M |
| Total Balance Sheet Assets - 150 Pct Risk Weight Category | RCONS503 | $3.3M |
| Total Loans and Leases, Net of Unearned Income, Exposures Past Due 90 Days or More or on Nonaccrual | RCONS449 | $3.3M |
| Risk-weighted Assets by Risk-weighted Category - 20 Pct Risk Weight Category | RCONG635 | $2.7M |
| All Other Assets, Separate Account Bank-owned Life Insurance - Application of Other Risk Weighting Approaches Exposure Amount | RCONH296 | $2.4M |
| Total Balance Sheet Assets - Other Risk Weighting Approaches Exposure Amount | RCONH300 | $2.4M |
| All Other Assets - Adjustments to Totals Reported in Column a | RCONS469 | $2.2M |
| Loans and Leases, Net of Unearned Income, All Other Exposures - 0 Pct Risk Weight Category | RCONS459 | $1.7M |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, 100% | RCONS530 | $757K |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, Credit Equivalent Amount | RCONS526 | $757K |
| Cash and Balances Due from Depository Institutions - 20 Pct Risk Weight Category | RCOND959 | $584K |
| All Other Assets, Separate Account Bank-owned Life Insurance - Application of Other Risk Weighting Approaches Risk-weighted Asset Amount | RCONH297 | $582K |
| All Other Assets - 20 Pct Risk Weight Category | RCOND983 | $507K |
| All Other Assets - 50 Pct Risk Weight Category | RCOND984 | $289K |
| Financial Standby Letters of Credit - 100 Pct Risk Weight Category | RCOND996 | $248K |
| Financial Standby Letters of Credit - Credit Equivalent Amount | RCOND992 | $248K |
| Financial Standby Letters of Credit - Face, Notional, or Other Amount | RCOND991 | $248K |
| Available-for-sale Securities - Adjustment to Totals Reported in Column a | RCONS402 | -$167K |
| Performance Standby Letters of Credit and Transaction-related Contingent Items - Face, Notional, or Other Amount | RCOND997 | $67K |
| Total Balance Sheet Assets - Adjustments to Total Reported in Column a | RCONS500 | -$50K |
| Performance Standby Letters of Credit and Transaction-related Contingent Items - 100 Pct Risk Weight Category | RCONG605 | $34K |
| Performance Standby Letters of Credit and Transaction-related Contingent Items - Credit Equivalent Amount | RCOND998 | $34K |
Schedule RC-T: Fiduciary and Related Services (1 item)
| Line item | Code | Q2 2026 |
|---|---|---|
| Income from Fiduciary Activities | RIAD4070 | $24K |
Schedule RI-A: Changes in Bank Equity Capital (5 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Balance End of Previous Calendar Year as Restated | RIADB508 | $23.3M |
| Equity Capital, Most Recently Reported for the End of Previous Calendar Year (I.e., After Adjustments from Amended Reports of Income) | RIAD3217 | $23.3M |
| Total Equity Capital | RIAD3210 | $22.9M |
| Cash Dividends Declared on Common Stock | RIAD4460 | $1.3M |
| Other Comprehensive Income | RIADB511 | -$149K |
Schedule RI-B, Part I: Charge-offs and Recoveries on Loans and Leases (11 items)
About Schedule RI-B, Part I · Citizens Bank & Trust Co. of Jackson charge-offs and recoveries on loans and leases trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Charge-offs on Allowance for Loan and Lease Losses | RIAD4635 | $120K |
| Charge-offs All Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADK205 | $59K |
| Recoveries on Allowance for Loan and Lease Losses | RIAD4605 | $37K |
| Charge-offs on All Other Loans | RIAD4644 | $28K |
| Charge-offs on Automobile Loans | RIADK129 | $21K |
| Recoveries All Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADK206 | $16K |
| Recoveries on All Other Loans | RIAD4628 | $12K |
| Charge-offs on Loans to Credit Cards | RIADB514 | $7K |
| Recoveries on Commercial and Industrial Loans | RIAD4608 | $7K |
| Charge-offs on Commercial and Industrial Loans | RIAD4638 | $5K |
| 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 · Citizens Bank & Trust Co. of Jackson 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 | $2.1M |
| Charge-offs on Allowance for Loan and Lease Losses | RIADC079 | $120K |
Citizens Bank & Trust Co. of Jackson 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 & Trust Co. of Jackson call report?
The Citizens Bank & Trust Co. of Jackson 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 & Trust Co. of Jackson file?
Citizens Bank & Trust Co. of Jackson 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 & Trust Co. of Jackson 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 & Trust Co. of Jackson has Federal Reserve RSSD ID 765318 and FDIC certificate number 18620. Either one finds its filings on the FFIEC Central Data Repository.
How often does Citizens Bank & Trust Co. of Jackson 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 & Trust Co. of Jackson 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 18620) · FFIEC NIC profile (RSSD 765318)