Bank call report · Covington, LA
Citizens Bank & Trust Company Call Report
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Citizens Bank & Trust Company filed its latest call report for the quarter ended June 30, 2026 on the FFIEC 051. Below are its 231 reported line items, schedule by schedule (454 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 | 384830 |
| FDIC certificate number | 16417 |
| Total assets | $183.7M |
Official Q2 2026 call report PDF (FFIEC) →
Citizens Bank & 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 (23 items)
About Schedule RC · Citizens Bank & Trust Company balance sheet trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Assets | RCON2170 | $183.7M |
| Total Liabilities, Limited-life Preferred Stock, and Equity Capital | RCON3300 | $183.7M |
| Total Liabilities and Minority Interest | RCON2948 | $164.2M |
| Total Deposits | RCON2200 | $162.2M |
| Total Interest-bearing Deposits in Foreign and Domestic Offices | RCON6636 | $121.2M |
| Loans and Leases, Net of Unearned Income - Totals | RCONB528 | $115.7M |
| Loans and Leases, Net of Unearned Income and Allowance | RCONB529 | $114.1M |
| Deposits: Noninterest-bearing | RCON6631 | $41.0M |
| Interest-bearing Balances | RCON0071 | $36.3M |
| Available-for-sale debt securities (from Schedule RC-B, column D) | RCON1773 | $25.2M |
| Total Equity Capital | RCON3210 | $19.5M |
| Total Equity Capital Including Noncontrolling Minority Interests in Consolidated Subsidiaries | RCONG105 | $19.5M |
| Undivided Profits and Capital Reserves | RCON3632 | $13.5M |
| Surplus | RCON3839 | $6.1M |
| Other Assets | RCON2160 | $2.8M |
| Premises and Fixed Assets (Including Capitalized Leases) | RCON2145 | $2.1M |
| Other Liabilities, Total | RCON2930 | $2.0M |
| Noninterest-bearing Balances and Currency and Coin | RCON0081 | $1.9M |
| Allowance for Loan and Lease Losses | RCON3123 | $1.6M |
| Accumulated Other Comprehensive Income | RCONB530 | -$1.3M |
| Common Stock | RCON3230 | $1.2M |
| Other Real Estate Owned | RCON2150 | $718K |
| Equity securities with readily determinable fair values not held for trading | RCONJA22 | $588K |
Schedule RI: Income Statement (36 items)
About Schedule RI · Citizens Bank & Trust Company income statement trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Interest Income | RIAD4107 | $4.9M |
| Interest and Fee Income on Loans, Total | RIAD4010 | $4.1M |
| Net Interest Income | RIAD4074 | $3.3M |
| Total Noninterest Expense | RIAD4093 | $2.6M |
| Interest and Fee Income on All Other Loans Secured by Real Estate | RIAD4436 | $2.2M |
| Total Interest Expense | RIAD4073 | $1.6M |
| Salaries and Employee Benefits | RIAD4135 | $1.4M |
| Interest and Fee Income on Loans Secured by 1-4 Family Residential Properties | RIAD4435 | $1.4M |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of 250000 or Less | RIADHK03 | $928K |
| Other Noninterest Expense | RIAD4092 | $795K |
| Income (Loss) Before Applicable Income Taxes and Discontinued Operations | RIAD4301 | $720K |
| 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 | $697K |
| Interest Income on Balances Due from Depository Institutions | RIAD4115 | $669K |
| Income (Loss) Before Discontinued Operations | RIAD4300 | $576K |
| Net Income (Loss) | RIAD4340 | $576K |
| Net Income (Loss) Attributable to Bank and Noncontrolling Minority Interests | RIADG104 | $576K |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of More Than 250000 | RIADHK04 | $517K |
| Interest and Fee Income on Commercial and Industrial Loans | RIAD4012 | $476K |
| Expenses of Premises and Fixed Assets | RIAD4217 | $349K |
| Provision for Loan and Lease Losses | RIAD4230 | $236K |
| Provisions for Credit Losses on Financial Assets | RIADJJ33 | $236K |
| Total Noninterest Income | RIAD4079 | $187K |
| Interest and Dividend Income on Securities: U.S. Treasury Securities and U.S. Government Agency Obligations (Excluding Mortgage-backed Securities) | RIADB488 | $145K |
| Applicable Income Taxes | RIAD4302 | $144K |
| Savings Deposits (Including Mmdas) | RIAD0093 | $143K |
| Other Noninterest Income | RIADB497 | $140K |
| Interest on Transaction Accounts (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) | RIAD4508 | $60K |
| Interest on Other Securities | RIAD4060 | $38K |
| Interest and Dividend Income on Tax-exempt Securities Issued by States and Political Subdivisions in the U.S. | RIAD4507 | $34K |
| Service Charges on Deposit Accounts in Domestic Offices | RIAD4080 | $28K |
| Unrealized holding gains (losses) on equity securities not held for trading | RIADHT70 | $23K |
| Net Servicing Fees | RIADB492 | $19K |
| 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 | $15K |
| Realized Gains (Losses) on Available-for-sale Debt Securities | RIAD3196 | $14K |
| Interest and Fee Income on All Other Loans in Domestic Offices | RIAD4058 | $2K |
| Number of Full Time Equivalent Employees on Payroll at End of Current Period | RIAD4150 | 34 |
Schedule RC-B: Securities (12 items)
About Schedule RC-B · Citizens Bank & Trust Company securities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Amortized Cost of Available-for-sale Securities | RCON1772 | $26.8M |
| US government agency obligations (exclude mortgage-backed securities), Available for sale, Amortized Cost | RCONHT52 | $22.8M |
| US government agency obligations (exclude mortgage-backed securities), Available for sale, Fair Value | RCONHT53 | $21.2M |
| 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 | $11.7M |
| 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 Over Three Years Through Five Years | RCONA552 | $10.9M |
| Pledged Securities | RCON0416 | $6.3M |
| Amortized Cost of Available-for-sale Securities Issued by States and Political Subdivisions in the U.S. | RCON8498 | $4.1M |
| Fair Value of Available-for-sale Securities Issued by States and Political Subdivisions in the U.S. | RCON8499 | $4.0M |
| Fixed Rate and Floating Rate Debt Securities with a Remaining Maturity of One Year or Less | RCONA248 | $1.6M |
| 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 | $1.1M |
| 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 |
| 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 | $529K |
Schedule RC-C, Part I: Loans and Leases (29 items)
About Schedule RC-C, Part I · Citizens Bank & Trust Company loans and leases trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Loans and Leases, Net of Unearned Income | RCON2122 | $115.7M |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by First Liens | RCON5367 | $42.4M |
| 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 | $34.4M |
| Loans Secured by Owner Occupied Nonfarm Nonresidential Properties | RCONF160 | $23.5M |
| Adjustable Rate Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties | RCON5370 | $20.3M |
| Loans Secured by Other Nonfarm Nonresidential Properties. | RCONF161 | $19.9M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over One Year Through Three Years | RCONA566 | $19.6M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Months Through 12 Months | RCONA571 | $18.4M |
| Commercial and Industrial Loans | RCON1766 | $13.3M |
| 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 | $12.9M |
| Loans Secured by Other Construction Loans and All Land Development and Other Land Loans | RCONF159 | $7.7M |
| Fixed Rate and Floating Rate Loans and Leases with a Remaining Maturity of One Year or Less | RCONA247 | $7.2M |
| 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 | $6.2M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Years Through Five Years | RCONA573 | $4.7M |
| Real Estate Loans Secured by Multi-family (5 or More) Residential Properties | RCON1460 | $4.0M |
| Loans Secured by 1-4 Family Residential Construction | RCONF158 | $3.8M |
| 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 Over Five Years Through 15 Years | RCONA574 | $3.3M |
| 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 | $2.7M |
| 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 | $2.5M |
| 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 Years Through Five Years | RCONA567 | $2.0M |
| 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 | $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 | $1.2M |
| 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 Three Months Through 12 Months | RCONA565 | $672K |
| Other Consumer Loans to Individuals for Household, Family, and Other Personal Expenditures (Includes Single Payment, Installment, and All Student Loans) | RCONK207 | $343K |
| Real Estate Loans Secured by Farmland | RCON1420 | $285K |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by Junior Liens | RCON5368 | $264K |
| Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper): Other Revolving Credit Plans | RCONB539 | $61K |
| Automobile Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper) | RCONK137 | $23K |
| Other Loans | RCONJ464 | $3K |
Schedule RC-C, Part II: Loans to Small Businesses and Small Farms (14 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 | $18.7M |
| 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 | $2.7M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5571 | $967K |
| 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 | $530K |
| 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 | $374K |
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5565 | $361K |
| 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 | $285K |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5570 | 47 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5568 | 42 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5566 | 22 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5564 | 12 |
| 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 | 4 |
| 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 $100,000 Through $250,000 | RCON5580 | 3 |
Schedule RC-E: Deposit Liabilities (21 items)
About Schedule RC-E · Citizens Bank & Trust Company deposit liabilities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Nontransaction Accounts (Including Mmda's) | RCON2385 | $101.3M |
| Total Nontransaction Accounts Deposits of Individuals, Partnerships, and Corporations | RCONB550 | $100.4M |
| Total Transaction Accounts | RCON2215 | $60.9M |
| Total Transaction Accounts - Deposits of Individuals, Partnerships, and Corporation | RCONB549 | $55.5M |
| Time Deposits of 250000 or Less with a Remaining Maturity of One Year or Less | RCONHK11 | $46.2M |
| Total Demand Deposits (See Note Below) | RCON2210 | $40.8M |
| 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 | $28.3M |
| Components of Total Nontransaction Accounts: Total Time Deposits of $100,000 Through $250,000 | RCONJ473 | $23.9M |
| Components of Total Nontransaction Accounts: Total Time Deposits of More Than $250,000 | RCONJ474 | $23.4M |
| Time Deposits of More Than $250,000 with a Remaining Maturity of One or Year Less | RCONK222 | $23.4M |
| Total Time Deposits of Less Than $100,000 | RCON6648 | $23.1M |
| Other Nontransaction Savings Deposits (Excludes Mmda's) | RCON0352 | $22.8M |
| 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 | $17.9M |
| 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 | $15.5M |
| Money Market Deposit Accounts (Mmda's) | RCON6810 | $8.0M |
| 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 | $7.9M |
| Total Transaction Accounts - Deposits of States and Political Subdivisions in the U.S. | RCON2203 | $5.4M |
| All Time and Savings Deposits Held in IRA and Keogh Plan Accounts | RCON6835 | $3.0M |
| Individual Retirement Accounts (Iras) and Keogh Plan Accounts Included in Memorandum Item 2.C, 'Total Time Deposits of $100,000 or More,' Above | RCONF233 | $1.7M |
| Total Nontransaction Accounts of States and Political Subdivisions in the U.S. | RCON2530 | $924K |
| 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 | $900K |
Schedule RC-F: Other Assets (6 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Net Deferred Tax Assets | RCON2148 | $710K |
| Life Insurance Assets: General Account Life Insurance Assets | RCONK201 | $698K |
| Accrued Interest Receivable | RCONB556 | $625K |
| Other Assets | RCON2168 | $379K |
| Historical Cost of All Other Available-for-sale Equity Securities | RCON1752 | $356K |
| Prepaid Expenses | RCON2166 | $228K |
Schedule RC-G: Other Liabilities (5 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| All Other Liabilities | RCON2938 | $825K |
| Interest Accrued and Unpaid on Deposits (in Domestic Offices) | RCON3645 | $755K |
| Deferred Compensation Liabilities | RCONC011 | $588K |
| Other Expenses Accrued and Unpaid | RCON3646 | $414K |
| Accounts Payable | RCON3066 | $237K |
Schedule RC-K: Quarterly Averages (13 items)
About Schedule RC-K · Citizens Bank & Trust Company quarterly averages trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Quarterly Average of Total Assets | RCON3368 | $186.5M |
| Quarterly Average of Total Loans | RCON3360 | $116.1M |
| Quarterly Average of All Other Loans Secured by Real Estate | RCON3466 | $58.2M |
| Liabilities, Nontransaction Accounts, Time Deposits of 250000 or Less | RCONHK16 | $47.7M |
| Quarterly Average of Loans Secured by 1-4 Family Residential Properties | RCON3465 | $44.2M |
| Quarterly Average of Interest-bearing Balances Due from Depository Institutions | RCON3381 | $39.8M |
| Nontransaction Accounts in Domestic Offices: Savings Deposits | RCONB563 | $30.9M |
| Liabilities, Nontransaction Accounts, Time Deposits of More Than 250000 | RCONHK17 | $24.8M |
| U.S. Treasury Securities and U.S. Government Agency Obligations (Excluding Mortgage-backed Securities) | RCONB558 | $21.2M |
| Transaction Accounts (in Domestic Offices) (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) - Quarterly Average | RCON3485 | $18.2M |
| Quarterly Average of Commercial and Industrial Loans | RCON3387 | $13.3M |
| All Other Securities | RCONB560 | $3.5M |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Other | RCONB562 | $413K |
Schedule RC-L: Derivatives and Off-Balance-Sheet Items (6 items)
About Schedule RC-L · Citizens Bank & Trust Company derivatives and off-balance-sheet items trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Commercial Real Estate, Other Construction Loan and Land Development Loan Commitments | RCONF165 | $2.3M |
| 1-4 Family Residential Construction Loan Commitments | RCONF164 | $1.7M |
| Other Unused Commitments: All Other Unused Commitments | RCONJ459 | $1.2M |
| Other Unused Commitments: Commercial and Industrial Loans | RCONJ457 | $967K |
| Performance Standby Letters of Credit | RCON3821 | $418K |
| Financial Standby Letters of Credit and Foreign Office Guarantees | RCON3819 | $130K |
Schedule RC-M: Memoranda (3 items)
About Schedule RC-M · Citizens Bank & Trust Company memoranda trends
| Line item | Code | Q2 2026 |
|---|---|---|
| All Other Real Estate Owned: 1-4 Family Residential Properties in Domestic Offices | RCON5510 | $458K |
| Cost of equity securities with readily determinable fair values not held for trading | RCONJA29 | $447K |
| All Other Real Estate Owned: Construction and Land Development in Domestic Offices | RCON5508 | $260K |
Schedule RC-N: Past Due and Nonaccrual Loans, Leases, and Other Assets (17 items)
About Schedule RC-N · Citizens Bank & Trust Company past due and nonaccrual loans, leases, and other assets trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Loans and Lease Finance Receivables: Nonaccrual | RCON1403 | $8.3M |
| Loans and Leases Reported in the Past Due and Nonaccrual Loans, Leases and Other Assets Which Are Wholly or Partially Guaranteed by the U.S. Government , Excluding Loans and Leases Covered by Loss-sharing Agreements with the FDIC - Nonaccrual | RCONK038 | $4.5M |
| Total Loans and Lease Financing Receivables: Past Due 30-89 Days and Still Accruing | RCON1406 | $4.0M |
| Guaranteed Portion of Loans and Leases Included in Item 10, Excluding Rebooked 'Gnma Loans' : Nonaccrual | RCONK041 | $3.6M |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens-nonaccural | RCONC229 | $3.1M |
| Loans Secured by Other Nonfarm Nonresidential Properties, Nonaccrual | RCONF183 | $2.7M |
| Loans Secured by Owner-occupied Nonfarm Nonresidential Properties, 30-89 Days Past Due | RCONF178 | $2.5M |
| Commercial and Industrial Loans - Nonaccrual | RCON1608 | $1.8M |
| Nonaccrual Assets Sold During the Quarter | RCONC411 | $861K |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens-past Due 30 Thru 89 Days and Still Accruing | RCONC236 | $723K |
| Loans Secured by Owner-occupied Nonfarm Nonresidential Properties, Nonaccrual | RCONF182 | $678K |
| Loans Secured by Other Nonfarm Nonresidential Properties, 30-89 Days Past Due | RCONF179 | $556K |
| Additions to Nonaccrual Assets | RCONC410 | $396K |
| Other Construction Loans and All Land Development and Other Land Loans, Past Due 31 - 89 Days | RCONF173 | $181K |
| Total Loan Modifications to Borrowers Experiencing Financial Difficulty Included in Schedule Rc-n Items 1 Through 7 Above and Not Reported in Schedule Rc-c, Part I, Memo Item 1, Nonaccrual | RCONHK28 | $107K |
| Loan Modifications to Borrowers Experiencing Financial Difficulty Loans Secured by Owner Occupied Nonfarm Nonresidential Properties: Nonaccrual | RCONK116 | $70K |
| Loan Modifications to Borrowers Experiencing Financial Difficulty Secured by 1-4 Residential Properties (in Domestic Offices) - Nonaccrual | RCONF663 | $37K |
Schedule RC-O: Other Data for Deposit Insurance Assessments (12 items)
About Schedule RC-O · Citizens Bank & Trust Company other data for deposit insurance assessments trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average Consolidated Total Assets for the Calendar Quarter | RCONK652 | $186.5M |
| Total Deposit Liabilities as Defined in Section 3(1) of the Federal Deposit Insurance Act Before Exclusions | RCONF236 | $163.0M |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of $250,000 or Less | RCONF049 | $110.2M |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF051 | $49.8M |
| Average Tangible Equity for the Calendar Quarter | RCONK654 | $20.7M |
| Amount of Retirement Deposit Accounts of More Than $250,000 | RCONF047 | $1.5M |
| Amount of Retirement Deposits Accounts of $250,000 or Less | RCONF045 | $1.5M |
| Number of Deposit Accounts (Excluding Retirement Accounts)of $250,000 or Less | RCONF050 | 6,555 |
| Number of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF052 | 72 |
| Number of Retirement Deposit Accounts of $250,000 or Less | RCONF046 | 60 |
| Number of Retirement Deposit Accounts of More Than $250,000 | RCONF048 | 3 |
| Averaging Method Used | RCONK653 | 1 |
Schedule RC-R, Part I: Regulatory Capital Components and Ratios (18 items)
About Schedule RC-R, Part I · Citizens Bank & Trust Company regulatory capital components and ratios trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average Total Assets (Net of Deductions) | RCOAA224 | $186.5M |
| Average total consolidated assets | RCOAKW03 | $186.5M |
| Total Assets | RCOA2170 | $183.7M |
| Common Equity Tier 1 Capital | RCOAP859 | $20.8M |
| Subtotal of Common Equity Tier 1 Capital: Adjustments and Deductions | RCOAP852 | $20.8M |
| Tier 1 Capital Allowable Under the Risk-based Capital Guidelines | RCOA8274 | $20.8M |
| Common Equity Tier 1 Capital Before Adjustments and Deductions | RCOAP840 | $19.5M |
| Retained Earnings | RCOAKW00 | $13.5M |
| Common Equity Tier 1 Capital: Common Stock Plus Related Surplus, Net of Treasury Stock and Unearned Employee Stock Ownership Plan (ESOP) Shares | RCOAP742 | $7.3M |
| Total off-balance sheet exposures (sum of items 34.a through 34.c) Report as a dollar amount in Column A and as a percentage of total assets (25% limit) in Column B | RCOAKX82 | $6.6M |
| Off-balance sheet exposures: Unused portion of conditionally cancellable commitments | RCOAKX79 | $6.1M |
| Accumulated Other Comprehensive Income | RCOAB530 | -$1.3M |
| 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 | -$1.3M |
| Off-balance sheet exposures: Other off-balance sheet exposures | RCOAKX81 | $548K |
| A. AOCI Opt-out Election (Enter '1' for Yes, Enter '0' for No.) | RCOAP838 | 1 |
| Do you qualify for and opt-in to CBLR? | RCOALE74 | 1 |
| Tier 1 Leverage Capital Ratio | RCOA7204 | 0.1114 |
| Total off-balance sheet exposures (sum of items 15a through 15.c) | RCOAKX83 | 0.0362 |
Schedule RI-A: Changes in Bank Equity Capital (4 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Equity Capital | RIAD3210 | $19.5M |
| Balance End of Previous Calendar Year as Restated | RIADB508 | $19.0M |
| Equity Capital, Most Recently Reported for the End of Previous Calendar Year (I.e., After Adjustments from Amended Reports of Income) | RIAD3217 | $19.0M |
| Other Comprehensive Income | RIADB511 | -$48K |
Schedule RI-B, Part I: Charge-offs and Recoveries on Loans and Leases (8 items)
About Schedule RI-B, Part I · Citizens Bank & 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 | $134K |
| Charge-offs on Closed-end Loans by 1-4 Family Residential Properties:secured by First Liens | RIADC234 | $76K |
| Loans Secured by Owner-occupied Nonfarm Nonresidential Properties: Charge-offs | RIADC895 | $50K |
| Recoveries on Allowance for Loan and Lease Losses | RIAD4605 | $12K |
| Charge-offs on Commercial and Industrial Loans | RIAD4638 | $8K |
| Loans Secured by Owner-occupied Nonfarm Nonresidential Properties: Recoveries | RIADC896 | $6K |
| Recoveries on Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens | RIADC217 | $5K |
| Recoveries on Closed-end Loans Secured by 1-4 Family Residential Properties:secured by Junior Liens | RIADC218 | $1K |
Schedule RI-B, Part II: Changes in Allowances for Credit Losses (3 items)
About Schedule RI-B, Part II · Citizens Bank & Trust Company changes in allowances for credit losses trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Allowance for Loan and Lease Losses | RIAD3123 | $1.6M |
| Balance Most Recently Reported for the December 31, 2000, Reports of Condition and Income(i.e., After Adjustments from Amended Report of Income) | RIADB522 | $1.4M |
| Charge-offs on Allowance for Loan and Lease Losses | RIADC079 | $134K |
Schedule SU: Supplemental Information (1 item)
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Outstanding Principal Balance of Closed End 1-4 Family Residential Mortgage Loans Serviced for Others Plus the Total Outstanding Principal Balance of Other Financial Assets Serviced for Others If More Than $10 Million | RCONFT12 | $13.9M |
Citizens Bank & 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 & Trust Company call report?
The Citizens Bank & 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 & Trust Company file?
Citizens Bank & 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 & 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 & Trust Company has Federal Reserve RSSD ID 384830 and FDIC certificate number 16417. Either one finds its filings on the FFIEC Central Data Repository.
How often does Citizens Bank & 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 & 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 16417) · FFIEC NIC profile (RSSD 384830)