Bank call report · Storm Lake, IA
Citizens First National Bank Call Report
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Citizens First National Bank filed its latest call report for the quarter ended June 30, 2026 on the FFIEC 051. Below are its 321 reported line items, schedule by schedule (797 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 | 424240 |
| FDIC certificate number | 4511 |
| Total assets | $256.5M |
Official Q2 2026 call report PDF (FFIEC) →
Citizens First National 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 051.
Schedule RC: Balance Sheet (23 items)
About Schedule RC · Citizens First National Bank balance sheet trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Assets | RCON2170 | $256.5M |
| Total Liabilities, Limited-life Preferred Stock, and Equity Capital | RCON3300 | $256.5M |
| Total Liabilities and Minority Interest | RCON2948 | $217.1M |
| Total Deposits | RCON2200 | $210.5M |
| Total Interest-bearing Deposits in Foreign and Domestic Offices | RCON6636 | $172.9M |
| Loans and Leases, Net of Unearned Income - Totals | RCONB528 | $137.7M |
| Loans and Leases, Net of Unearned Income and Allowance | RCONB529 | $135.2M |
| Available-for-sale debt securities (from Schedule RC-B, column D) | RCON1773 | $86.9M |
| Total Equity Capital | RCON3210 | $39.4M |
| Total Equity Capital Including Noncontrolling Minority Interests in Consolidated Subsidiaries | RCONG105 | $39.4M |
| Undivided Profits and Capital Reserves | RCON3632 | $38.0M |
| Deposits: Noninterest-bearing | RCON6631 | $37.5M |
| Interest-bearing Balances | RCON0071 | $27.6M |
| Other Borrowed Money | RCON3190 | $5.3M |
| Noninterest-bearing Balances and Currency and Coin | RCON0081 | $3.0M |
| Other Assets | RCON2160 | $2.5M |
| Allowance for Loan and Lease Losses | RCON3123 | $2.5M |
| Other Liabilities, Total | RCON2930 | $1.3M |
| Premises and Fixed Assets (Including Capitalized Leases) | RCON2145 | $1.1M |
| Common Stock | RCON3230 | $1.0M |
| Surplus | RCON3839 | $1.0M |
| Accumulated Other Comprehensive Income | RCONB530 | -$650K |
| Investments and Unconsolidated Subsidiaries and Associated Companies | RCON2130 | $104K |
Schedule RI: Income Statement (37 items)
About Schedule RI · Citizens First National Bank income statement trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Interest Income | RIAD4107 | $6.6M |
| Net Interest Income | RIAD4074 | $5.2M |
| Interest and Fee Income on Loans, Total | RIAD4010 | $4.6M |
| Total Noninterest Expense | RIAD4093 | $3.4M |
| Income (Loss) Before Applicable Income Taxes and Discontinued Operations | RIAD4301 | $3.2M |
| Income (Loss) Before Discontinued Operations | RIAD4300 | $3.2M |
| Income (loss) before change in net unrealized holding gains (losses) on equity securities not held for trading, applicable income taxes, and discontinued operations operations (item 3 plus or minus items 4, 5.m, 6.a, 6.b, and 7.e) | RIADHT69 | $3.2M |
| Net Income (Loss) | RIAD4340 | $3.2M |
| Net Income (Loss) Attributable to Bank and Noncontrolling Minority Interests | RIADG104 | $3.2M |
| Salaries and Employee Benefits | RIAD4135 | $2.3M |
| Interest and Fee Income on All Other Loans in Domestic Offices | RIAD4058 | $1.7M |
| Interest and Fee Income on Loans to Finance Agricultural Production and Other Loans to Farmers in Domestic Offices | RIAD4024 | $1.7M |
| Interest and Dividend Income on Securities: U.S. Treasury Securities and U.S. Government Agency Obligations (Excluding Mortgage-backed Securities) | RIADB488 | $1.5M |
| Total Noninterest Income | RIAD4079 | $1.5M |
| Total Interest Expense | RIAD4073 | $1.4M |
| Interest and Fee Income on All Other Loans Secured by Real Estate | RIAD4436 | $1.3M |
| Other Noninterest Expense | RIAD4092 | $980K |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of 250000 or Less | RIADHK03 | $833K |
| Interest and Fee Income on Commercial and Industrial Loans | RIAD4012 | $803K |
| Other Noninterest Income | RIADB497 | $481K |
| 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 | $462K |
| Interest and Fee Income on Loans Secured by 1-4 Family Residential Properties | RIAD4435 | $346K |
| Interest Income on Balances Due from Depository Institutions | RIAD4115 | $309K |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of More Than 250000 | RIADHK04 | $290K |
| Savings Deposits (Including Mmdas) | RIAD0093 | $206K |
| Service Charges on Deposit Accounts in Domestic Offices | RIAD4080 | $126K |
| Expenses of Premises and Fixed Assets | RIAD4217 | $123K |
| Net Servicing Fees | RIADB492 | $59K |
| Interest on Transaction Accounts (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) | RIAD4508 | $44K |
| Interest and Dividend Income on Tax-exempt Securities Issued by States and Political Subdivisions in the U.S. | RIAD4507 | $41K |
| Interest on Other Securities | RIAD4060 | $41K |
| Other Interest Expense | RIADGW44 | $30K |
| Other Interest Income | RIAD4518 | $20K |
| Loans to Individuals for Households, Family, and Other Personal Expenditures: Credit Cards | RIADB485 | $14K |
| Estimated Income on Tax-exempt Loans and Leases to States and Political Subdivisions in the U.S. | RIAD4313 | $11K |
| Net Gains (Losses) on Sales of Loans | RIAD5416 | -$7K |
| Number of Full Time Equivalent Employees on Payroll at End of Current Period | RIAD4150 | 46 |
Schedule RC-B: Securities (11 items)
About Schedule RC-B · Citizens First National Bank securities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Amortized Cost of Available-for-sale Securities | RCON1772 | $87.6M |
| Amortized Cost of Available-for-sale U.S. Treasury Securities | RCON1286 | $82.0M |
| Fair Value of Available-for-sale U.S. Treasury Securities | RCON1287 | $81.5M |
| Fixed Rate and Floating Rate Debt Securities with a Remaining Maturity of One Year or Less | RCONA248 | $49.2M |
| 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 Three Months Through 12 Months | RCONA550 | $38.2M |
| 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 | $34.8M |
| Pledged Securities | RCON0416 | $14.2M |
| 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 Three Months of Less | RCONA549 | $11.0M |
| Amortized Cost of Available-for-sale Securities Issued by States and Political Subdivisions in the U.S. | RCON8498 | $5.6M |
| Fair Value of Available-for-sale Securities Issued by States and Political Subdivisions in the U.S. | RCON8499 | $5.4M |
| 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 Years Through Five Years | RCONA552 | $2.9M |
Schedule RC-C, Part I: Loans and Leases (31 items)
About Schedule RC-C, Part I · Citizens First National Bank loans and leases trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Loans and Leases, Net of Unearned Income | RCON2122 | $137.7M |
| Fixed Rate and Floating Rate Loans and Leases with a Remaining Maturity of One Year or Less | RCONA247 | $50.5M |
| 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 | $47.8M |
| Loans to Finance Agricultural Production and Other Loans to Farmers | RCON1590 | $47.4M |
| Real Estate Loans Secured by Farmland | RCON1420 | $42.2M |
| 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 Months Through 12 Months | RCONA571 | $25.8M |
| 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 Three Years Through Five Years | RCONA573 | $21.2M |
| 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 | $20.8M |
| Commercial and Industrial Loans | RCON1766 | $18.8M |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by First Liens | RCON5367 | $12.0M |
| 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 | $6.7M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over One Year Through Three Years | RCONA566 | $4.4M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Years Through Five Years | RCONA567 | $4.4M |
| Loans Secured by Owner Occupied Nonfarm Nonresidential Properties | RCONF160 | $4.0M |
| Other Consumer Loans to Individuals for Household, Family, and Other Personal Expenditures (Includes Single Payment, Installment, and All Student Loans) | RCONK207 | $4.0M |
| 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 | $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 Three Months Through 12 Months | RCONA565 | $2.9M |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by Junior Liens | RCON5368 | $2.6M |
| Automobile Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper) | RCONK137 | $2.0M |
| Adjustable Rate Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties | RCON5370 | $1.8M |
| Loans Secured by 1-4 Family Residential Construction | RCONF158 | $1.4M |
| Loans Secured by Other Nonfarm Nonresidential Properties. | RCONF161 | $1.2M |
| Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit | RCON1797 | $768K |
| Loans Secured by Other Construction Loans and All Land Development and Other Land Loans | RCONF159 | $508K |
| Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper): Credit Cards | RCONB538 | $422K |
| 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 | $247K |
| Other Loans | RCONJ464 | $185K |
| Real Estate Loans Secured by Multi-family (5 or More) Residential Properties | RCON1460 | $90K |
| 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 | $64K |
| 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 | $28K |
| Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper): Other Revolving Credit Plans | RCONB539 | $17K |
Schedule RC-C, Part II: Loans to Small Businesses and Small Farms (24 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5575 | $9.7M |
| 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 | $6.3M |
| 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 | $6.1M |
| 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 | $2.4M |
| 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 | $2.3M |
| 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 | $1.7M |
| 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 | $1.3M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5571 | $1.2M |
| Amount Currently Outstanding of Loans Secured by 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 to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5585 | $853K |
| 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 | $398K |
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5565 | $326K |
| 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 to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5586 | 33 |
| 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 | 32 |
| Number of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5584 | 29 |
| 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 | 29 |
| 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 | 21 |
| 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 | 16 |
| 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 | 13 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5564 | 8 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5566 | 8 |
| 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 Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5568 | 6 |
Schedule RC-E: Deposit Liabilities (23 items)
About Schedule RC-E · Citizens First National Bank deposit liabilities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Nontransaction Accounts (Including Mmda's) | RCON2385 | $115.4M |
| Total Nontransaction Accounts Deposits of Individuals, Partnerships, and Corporations | RCONB550 | $113.5M |
| Total Transaction Accounts | RCON2215 | $95.1M |
| Total Transaction Accounts - Deposits of Individuals, Partnerships, and Corporation | RCONB549 | $92.3M |
| Total Demand Deposits (See Note Below) | RCON2210 | $37.5M |
| Money Market Deposit Accounts (Mmda's) | RCON6810 | $27.9M |
| Components of Total Nontransaction Accounts: Total Time Deposits of $100,000 Through $250,000 | RCONJ473 | $25.8M |
| 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 | $23.9M |
| Total Time Deposits of Less Than $100,000 | RCON6648 | $23.8M |
| Other Nontransaction Savings Deposits (Excludes Mmda's) | RCON0352 | $22.5M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONHK08 | $22.2M |
| Time Deposits of 250000 or Less with a Remaining Maturity of One Year or Less | RCONHK11 | $21.5M |
| All Time and Savings Deposits Held in IRA and Keogh Plan Accounts | RCON6835 | $18.5M |
| Components of Total Nontransaction Accounts: Total Time Deposits of More Than $250,000 | RCONJ474 | $15.4M |
| Time Deposits of More Than $250,000 with a Remaining Maturity of One or Year Less | RCONK222 | $14.5M |
| Individual Retirement Accounts (Iras) and Keogh Plan Accounts Included in Memorandum Item 2.C, 'Total Time Deposits of $100,000 or More,' Above | RCONF233 | $8.3M |
| 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 Three Months or Less | RCONHK12 | $7.8M |
| 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 | $6.7M |
| 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 | $3.1M |
| Total Transaction Accounts - Deposits of States and Political Subdivisions in the U.S. | RCON2203 | $2.8M |
| Total Nontransaction Accounts of States and Political Subdivisions in the U.S. | RCON2530 | $2.0M |
| 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 One Year Through Three Years | RCONHK14 | $950K |
| 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 | $464K |
Schedule RC-F: Other Assets (3 items)
Schedule RC-G: Other Liabilities (4 items)
Schedule RC-K: Quarterly Averages (16 items)
About Schedule RC-K · Citizens First National Bank quarterly averages trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Quarterly Average of Total Assets | RCON3368 | $252.3M |
| Quarterly Average of Total Loans | RCON3360 | $138.9M |
| U.S. Treasury Securities and U.S. Government Agency Obligations (Excluding Mortgage-backed Securities) | RCONB558 | $79.7M |
| Transaction Accounts (in Domestic Offices) (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) - Quarterly Average | RCON3485 | $56.6M |
| Nontransaction Accounts in Domestic Offices: Savings Deposits | RCONB563 | $50.5M |
| Quarterly Average of All Other Loans Secured by Real Estate | RCON3466 | $50.5M |
| Liabilities, Nontransaction Accounts, Time Deposits of 250000 or Less | RCONHK16 | $50.4M |
| Quarterly Average of Loans to Finance Agricultural Production and Other Loans to Farmers | RCON3386 | $46.1M |
| Quarterly Average of Interest-bearing Balances Due from Depository Institutions | RCON3381 | $21.0M |
| Quarterly Average of Commercial and Industrial Loans | RCON3387 | $19.3M |
| Liabilities, Nontransaction Accounts, Time Deposits of More Than 250000 | RCONHK17 | $15.9M |
| Quarterly Average of Loans Secured by 1-4 Family Residential Properties | RCON3465 | $15.7M |
| All Other Securities | RCONB560 | $8.0M |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Other | RCONB562 | $6.5M |
| Quarterly Average of Other Borrowed Money | RCON3355 | $5.0M |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Credit Cards | RCONB561 | $440K |
Schedule RC-L: Derivatives and Off-Balance-Sheet Items (5 items)
About Schedule RC-L · Citizens First National Bank derivatives and off-balance-sheet items trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Other Unused Commitments: All Other Unused Commitments | RCONJ459 | $26.8M |
| Unused Commitments - Credit Card Lines | RCON3815 | $3.0M |
| 1-4 Family Residential Construction Loan Commitments | RCONF164 | $893K |
| Unused Commitments - Revolving, Open-end Lines Secured by 1-4 Family Residential Properties | RCON3814 | $810K |
| Other Unused Commitments: Commercial and Industrial Loans | RCONJ457 | $98K |
Schedule RC-M: Memoranda (2 items)
About Schedule RC-M · Citizens First National Bank memoranda trends
| Line item | Code | Q2 2026 |
|---|---|---|
| FHLB Advances: Advances with a Remaining Maturity or Next Repricing Date of Over Five Years | RCONF058 | $5.3M |
| Aggregate Amount of All Extensions of Credit to All Executive Officers, Directors, Principal Shareholders, and Their Related Interests | RCON6164 | $7K |
Schedule RC-N: Past Due and Nonaccrual Loans, Leases, and Other Assets (14 items)
About Schedule RC-N · Citizens First National 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 | $1.1M |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Other - Past Due 30 Through 89 Days and Still Accruing | RCONK216 | $317K |
| Loans Secured by Real Estate (in Domestic Offices): Secured by Farmland - Past Due 30 Through 89 Days and Still Accruing | RCON3493 | $186K |
| 1-4 Family Residential Construction Loans: Past Due 31 - 89 Days | RCONF172 | $181K |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Automobile Loans - Past Due 30 Through 89 Days and Still Accruing | RCONK213 | $114K |
| Commercial and Industrial Loans - Past Due 30-89 Days and Still Accruing | RCON1606 | $112K |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by Junior Liens-past Due 30 Thru 89 Days and Still Accruing | RCONC238 | $103K |
| Total Loans and Lease Financing Receivables: Past Due 90 Days or More and Still Accruing | RCON1407 | $43K |
| All Other Loans - Past Due 30 Through 89 Days and Still Accruing | RCON5459 | $42K |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Other - Past Due 90 Days or More and Still Accruing | RCONK217 | $18K |
| All Other Loans - Past Due 90 Days or More and Still Accruing | RCON5460 | $10K |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Automobile Loans - Past Due 90 Days or More and Still Accruing | RCONK214 | $9K |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Credit Cards - Past Due 30 Through 89 Days and Still Accruing | RCONB575 | $8K |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Credit Cards - Past Due 90 Days or More and Still Accruing | RCONB576 | $6K |
Schedule RC-O: Other Data for Deposit Insurance Assessments (12 items)
About Schedule RC-O · Citizens First National Bank other data for deposit insurance assessments trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average Consolidated Total Assets for the Calendar Quarter | RCONK652 | $252.3M |
| Total Deposit Liabilities as Defined in Section 3(1) of the Federal Deposit Insurance Act Before Exclusions | RCONF236 | $211.4M |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of $250,000 or Less | RCONF049 | $126.7M |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF051 | $66.2M |
| Average Tangible Equity for the Calendar Quarter | RCONK654 | $38.9M |
| Amount of Retirement Deposits Accounts of $250,000 or Less | RCONF045 | $15.1M |
| Amount of Retirement Deposit Accounts of More Than $250,000 | RCONF047 | $3.3M |
| Number of Deposit Accounts (Excluding Retirement Accounts)of $250,000 or Less | RCONF050 | 6,595 |
| Number of Retirement Deposit Accounts of $250,000 or Less | RCONF046 | 818 |
| Number of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF052 | 111 |
| Number of Retirement Deposit Accounts of More Than $250,000 | RCONF048 | 10 |
| Averaging Method Used | RCONK653 | 2 |
Schedule RC-R: Regulatory Capital (2 items)
About Schedule RC-R · Citizens First National Bank regulatory capital trends
Schedule RC-R, Part I: Regulatory Capital Components and Ratios (21 items)
About Schedule RC-R, Part I · Citizens First National Bank regulatory capital components and ratios trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average Total Assets (Net of Deductions) | RCOAA224 | $252.3M |
| Average total consolidated assets | RCOAKW03 | $252.3M |
| Risk-weighted Assets (Net of Allowances and Other Deductions) | RCOAA223 | $146.5M |
| Total Qualifying Capital Allowable Under the Risk-based Capital Guidelines | RCOA3792 | $41.9M |
| Common Equity Tier 1 Capital | RCOAP859 | $40.0M |
| Subtotal of Common Equity Tier 1 Capital: Adjustments and Deductions | RCOAP852 | $40.0M |
| Tier 1 Capital Allowable Under the Risk-based Capital Guidelines | RCOA8274 | $40.0M |
| Common Equity Tier 1 Capital Before Adjustments and Deductions | RCOAP840 | $39.4M |
| Retained Earnings | RCOAKW00 | $38.0M |
| Common Equity Tier 1 Capital: Common Stock Plus Related Surplus, Net of Treasury Stock and Unearned Employee Stock Ownership Plan (ESOP) Shares | RCOAP742 | $2.0M |
| 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 | -$650K |
| 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 | -$650K |
| A. AOCI Opt-out Election (Enter '1' for Yes, Enter '0' for No.) | RCOAP838 | 1 |
| Total Risk-based Capital Ratio | RCOA7205 | 0.2858 |
| Common Equity Tier 1 Capital Ratio | RCOAP793 | 0.2733 |
| Tier 1 Risk-based Capital Ratio | RCOA7206 | 0.2733 |
| Institution-specific Capital Buffer Necessary to Avoid Limitations on Distributions and Discretionary Bonus Payments: Capital Conservation Buffer | RCOAH311 | 0.2058 |
| Tier 1 Leverage Capital Ratio | RCOA7204 | 0.1587 |
Schedule RC-R, Part II: Risk-Weighted Assets (45 items)
About Schedule RC-R, Part II · Citizens First National Bank 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 | $147.1M |
| Total Risk-weighted Assets | RCONG641 | $146.5M |
| Risk-weighted Assets by Risk-weighted Category - 100 Pct Risk Weight Category | RCONG637 | $138.4M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 100 Pct Risk Weight Category | RCONG633 | $138.4M |
| Total Balance Sheet Assets - 100 Pct Risk Weight Category | RCOND990 | $127.0M |
| Loans and Leases, Net of Unearned Income, All Other Exposures - 100 Pct Risk Weight Category | RCONS462 | $121.6M |
| Total Loans and Leases, Net of Unearned Income, All Other Exposures | RCONS457 | $121.6M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 0 Pct Risk Weight Category | RCONG630 | $111.8M |
| Total Balance Sheet Assets - 0 Pct Risk Weight Category | RCOND987 | $111.8M |
| Available-for-sale debt securities and equity securities with readily determinable fair values not held for trading purposes, Total Fair Value | RCONJA21 | $86.9M |
| Available-for-sale Securities - 0 Pct Risk Weight Category | RCOND967 | $82.0M |
| Total Cash and Balances Due from Depository Institutions | RCOND957 | $30.6M |
| Cash and Balances Due from Depository Institutions - 0 Pct Risk Weight Category | RCOND958 | $29.4M |
| Unused Commitments, Original Maturity Exceeding One Year - Face, Notional, or Other Amount | RCONG624 | $18.9M |
| Total Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures | RCONS439 | $15.5M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 50 Pct Risk Weight Category | RCONG632 | $13.0M |
| Total Balance Sheet Assets - 50 Pct Risk Weight Category | RCOND989 | $13.0M |
| Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures - 50 Pct Risk Weight Category | RCONS442 | $12.9M |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, Face, Notional or Other Amount | RCONS525 | $9.7M |
| Unused Commitments, Original Maturity Exceeding One Year - 100 Pct Risk Weight Category | RCONG629 | $9.5M |
| Unused Commitments, Original Maturity Exceeding One Year - Credit Equivalent Amount | RCONG625 | $9.5M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 20 Pct Risk Weight Category | RCONG631 | $7.2M |
| Total Balance Sheet Assets - 20 Pct Risk Weight Category | RCOND988 | $7.2M |
| Risk-weighted Assets by Risk-weighted Category - 50 Pct Risk Weight Category | RCONG636 | $6.5M |
| Available-for-sale Securities - 20 Pct Risk Weight Category | RCOND968 | $5.6M |
| Total All Other Assets | RCOND981 | $3.7M |
| Total Balance Sheet Assets - Adjustments to Total Reported in Column a | RCONS500 | -$3.1M |
| Unconditionally Cancellable Commitments | RCONS540 | $3.0M |
| All Other Assets - 100 Pct Risk Weight Category | RCOND985 | $2.8M |
| Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures - 100 Pct Risk Weight Category | RCONS443 | $2.6M |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, 100% | RCONS530 | $1.9M |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, Credit Equivalent Amount | RCONS526 | $1.9M |
| Risk-weighted Assets by Risk-weighted Category - 20 Pct Risk Weight Category | RCONG635 | $1.4M |
| Cash and Balances Due from Depository Institutions - 20 Pct Risk Weight Category | RCOND959 | $1.2M |
| Risk-weighted Assets by Risk-weighted Category - 150 Pct Risk Weight Category | RCONS572 | $762K |
| Available-for-sale Securities - Adjustment to Totals Reported in Column a | RCONS402 | -$676K |
| Loans and Leases, Net of Unearned Income, High Volatility Commercial Real Estate Exposures - 150 Pct Risk Weight Category | RCONS447 | $508K |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 150 Pct Risk Weight Category | RCONS561 | $508K |
| Total Balance Sheet Assets - 150 Pct Risk Weight Category | RCONS503 | $508K |
| Total Loans and Leases, Net of Unearned Income, High Volatility Commercial Real Estate Exposures | RCONS445 | $508K |
| All Other Assets - 0 Pct Risk Weight Category | RCOND982 | $480K |
| All Other Assets - 20 Pct Risk Weight Category | RCOND983 | $421K |
| All Other Assets - 50 Pct Risk Weight Category | RCOND984 | $84K |
| Loans and Leases, Net of Unearned Income, Exposures Past Due 90 Days or More or on Nonaccrual - 100 Pct Risk Weight Category | RCONS454 | $43K |
| Total Loans and Leases, Net of Unearned Income, Exposures Past Due 90 Days or More or on Nonaccrual | RCONS449 | $43K |
Schedule RC-T: Fiduciary and Related Services (33 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Fiduciary Accounts - Managed Assets | RCONB894 | $394.2M |
| Personal Trust and Agency Accounts - Managed Assets | RCONB868 | $291.6M |
| Total Fiduciary Accounts - Non-managed Assets | RCONB895 | $135.6M |
| Fiduciary and Related Assets:individual Retirement Accounts, Health Savings Accounts, and Other Similar Accounts - Non-managed Asset | RCONJ260 | $103.3M |
| Other Retirement Accounts - Non-managed Assets | RCONB881 | $103.3M |
| Investment Management Agency Accounts - Managed Assets | RCONB886 | $41.2M |
| Fiduciary and Related Assets:individual Retirement Accounts, Health Savings Accounts, and Other Similar Accounts - Managed Assets | RCONJ259 | $33.2M |
| Other Retirement Accounts - Managed Assets | RCONB880 | $33.2M |
| Custody and Safekeeping Accounts - Non-managed Assets | RCONB898 | $29.4M |
| Employee Benefit-defined Contribution - Non-managed Assets | RCONB873 | $21.2M |
| Fiduciary and Related Assets:foundation and Endowment Trust and Agency Accounts - Managed Assets | RCONJ255 | $14.4M |
| Employee Benefit-defined Contribution - Managed Assets | RCONB872 | $13.8M |
| Fiduciary and Related Assets:investment Mgmt and Investment Advisory Agency Accounts -Non-managed Assets | RCONJ253 | $11.1M |
| Income from Fiduciary Activities | RIAD4070 | $815K |
| Personal Trust and Agency Accounts | RIADB904 | $479K |
| Fiduciary and Related Services Income-investment Management and Investment Advisory Agency Accounts | RIADJ315 | $153K |
| Custody and Safekeeping Accounts | RIADB909 | $66K |
| Other Retirement Accounts | RIADB907 | $64K |
| Fiduciary and Related Services Income-foundation and Endowment Trust and Agency Accounts | RIADJ316 | $38K |
| Employee Benefit-defined Contribution | RIADB905 | $15K |
| Total Fiduciary Accounts - Non-managed Accounts | RCONB897 | 786 |
| Fiduciary and Related Assets:individual Retirement Accounts, Health Savings Accounts, and Other Similar Accounts - Number of Non-managed Accounts | RCONJ262 | 750 |
| Other Retirement Accounts - Number of Non-managed Accounts | RCONB883 | 750 |
| Total Fiduciary Accounts - Number of Managed Accounts | RCONB896 | 265 |
| Personal Trust and Agency Accounts - Number of Managed Accounts | RCONB870 | 160 |
| Fiduciary and Related Assets:individual Retirement Accounts, Health Savings Accounts, and Other Similar Accounts - Number of Managed Accounts | RCONJ261 | 51 |
| Other Retirement Accounts - Number of Managed Accounts | RCONB882 | 51 |
| Investment Management Agency Accounts - Number of Managed Accounts | RCONB888 | 46 |
| Custody and Safekeeping Accounts - Number of Non-managed Accounts | RCONB899 | 26 |
| Employee Benefit-defined Contribution - Number of Non-managed Accounts | RCONB875 | 26 |
| Fiduciary and Related Assets:investment Management and Investment Advisory Agency Accounts - Number of Non-managed Accounts | RCONJ254 | 10 |
| Fiduciary and Related Assets:foundation and Endowment Trust and Agency Accounts - Number of Managed Accounts | RCONJ257 | 7 |
| Employee Benefit-defined Contribution - Number of Managed Accounts | RCONB874 | 1 |
Schedule RI-A: Changes in Bank Equity Capital (5 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Equity Capital | RIAD3210 | $39.4M |
| Balance End of Previous Calendar Year as Restated | RIADB508 | $37.6M |
| Equity Capital, Most Recently Reported for the End of Previous Calendar Year (I.e., After Adjustments from Amended Reports of Income) | RIAD3217 | $37.6M |
| Cash Dividends Declared on Common Stock | RIAD4460 | $1.0M |
| Other Comprehensive Income | RIADB511 | -$430K |
Schedule RI-B, Part I: Charge-offs and Recoveries on Loans and Leases (6 items)
About Schedule RI-B, Part I · Citizens First National Bank charge-offs and recoveries on loans and leases trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Recoveries on Allowance for Loan and Lease Losses | RIAD4605 | $82K |
| Recoveries on Commercial and Industrial Loans | RIAD4608 | $78K |
| Charge-offs All Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADK205 | $5K |
| Charge-offs on Allowance for Loan and Lease Losses | RIAD4635 | $5K |
| Recoveries on Automobile Loans | RIADK133 | $3K |
| Recoveries All Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADK206 | $1K |
Schedule RI-B, Part II: Changes in Allowances for Credit Losses (3 items)
About Schedule RI-B, Part II · Citizens First National Bank changes in allowances for credit losses trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Allowance for Loan and Lease Losses | RIAD3123 | $2.5M |
| Balance Most Recently Reported for the December 31, 2000, Reports of Condition and Income(i.e., After Adjustments from Amended Report of Income) | RIADB522 | $2.4M |
| Charge-offs on Allowance for Loan and Lease Losses | RIADC079 | $5K |
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 | $65.7M |
Citizens First National 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 Citizens First National Bank call report?
The Citizens First National 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 Citizens First National Bank file?
Citizens First National Bank 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 First National Bank call report number?
A call report has no number of its own. It is filed and looked up by the bank's identifiers: Citizens First National Bank has Federal Reserve RSSD ID 424240 and FDIC certificate number 4511. Either one finds its filings on the FFIEC Central Data Repository.
How often does Citizens First National 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.
Citizens First National 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 4511) · FFIEC NIC profile (RSSD 424240)