Bank call report · Saint Louis Park, MN
Citizens Independent Bank Call Report
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Citizens Independent Bank filed its latest call report for the quarter ended June 30, 2026 on the FFIEC 041. Below are its 326 reported line items, schedule by schedule (921 items filed as zero are left out). The official PDF is on the FFIEC Central Data Repository.
| Call report form | FFIEC 041 |
|---|---|
| Latest quarter filed | Q2 2026 (June 30, 2026) |
| Federal Reserve RSSD ID | 825753 |
| FDIC certificate number | 16863 |
| Total assets | $314.2M |
Official Q2 2026 call report PDF (FFIEC) →
Citizens Independent Bank call report by schedule, Q2 2026
Dollar amounts are as filed, in the units the form uses. Each line item links to its definition; each schedule links to the full schedule reference for the FFIEC 041.
Schedule RC: Balance Sheet (24 items)
About Schedule RC · Citizens Independent Bank balance sheet trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Assets | RCON2170 | $314.2M |
| Total Liabilities, Limited-life Preferred Stock, and Equity Capital | RCON3300 | $314.2M |
| Total Liabilities and Minority Interest | RCON2948 | $283.0M |
| Total Deposits | RCON2200 | $267.0M |
| Total Interest-bearing Deposits in Foreign and Domestic Offices | RCON6636 | $239.7M |
| Loans and Leases, Net of Unearned Income - Totals | RCONB528 | $208.9M |
| Loans and Leases, Net of Unearned Income and Allowance | RCONB529 | $207.1M |
| Available-for-sale debt securities (from Schedule RC-B, column D) | RCON1773 | $84.2M |
| Surplus | RCON3839 | $35.6M |
| Total Equity Capital | RCON3210 | $31.2M |
| Total Equity Capital Including Noncontrolling Minority Interests in Consolidated Subsidiaries | RCONG105 | $31.2M |
| Deposits: Noninterest-bearing | RCON6631 | $27.3M |
| Other Borrowed Money | RCON3190 | $8.8M |
| Interest-bearing Balances | RCON0071 | $8.6M |
| Accumulated Other Comprehensive Income | RCONB530 | -$7.4M |
| Other Liabilities, Total | RCON2930 | $7.2M |
| Other Assets | RCON2160 | $6.1M |
| Premises and Fixed Assets (Including Capitalized Leases) | RCON2145 | $6.0M |
| Undivided Profits and Capital Reserves | RCON3632 | $2.3M |
| Allowance for Loan and Lease Losses | RCON3123 | $1.9M |
| Noninterest-bearing Balances and Currency and Coin | RCON0081 | $1.2M |
| Other Real Estate Owned | RCON2150 | $873K |
| Common Stock | RCON3230 | $600K |
| Intangible Assets | RCON2143 | $259K |
Schedule RI: Income Statement (37 items)
About Schedule RI · Citizens Independent Bank income statement trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Interest Income | RIAD4107 | $7.6M |
| Interest and Fee Income on Loans, Total | RIAD4010 | $6.4M |
| Net Interest Income | RIAD4074 | $6.0M |
| Total Noninterest Expense | RIAD4093 | $5.4M |
| Interest and Fee Income on All Other Loans Secured by Real Estate | RIAD4436 | $3.8M |
| Salaries and Employee Benefits | RIAD4135 | $3.4M |
| Total Interest Expense | RIAD4073 | $1.6M |
| Income (Loss) Before Applicable Income Taxes and Discontinued Operations | RIAD4301 | $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 |
| Other Noninterest Expense | RIAD4092 | $1.0M |
| Interest and Fee Income on Commercial and Industrial Loans | RIAD4012 | $1.0M |
| Interest and Fee Income on Loans Secured by 1-4 Family Residential Properties | RIAD4435 | $990K |
| Expenses of Premises and Fixed Assets | RIAD4217 | $962K |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of 250000 or Less | RIADHK03 | $888K |
| Income (Loss) Before Discontinued Operations | RIAD4300 | $834K |
| Net Income (Loss) | RIAD4340 | $834K |
| Net Income (Loss) Attributable to Bank and Noncontrolling Minority Interests | RIADG104 | $834K |
| Interest and Dividend Income on Securities: Mortgage-backed Securities | RIADB489 | $820K |
| 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 | $565K |
| Total Noninterest Income | RIAD4079 | $513K |
| Applicable Income Taxes | RIAD4302 | $282K |
| Interest on Other Securities | RIAD4060 | $265K |
| Savings Deposits (Including Mmdas) | RIAD0093 | $258K |
| Other Noninterest Income | RIADB497 | $231K |
| Interest on Trading Liabilities and Other Borrowed Money | RIAD4185 | $184K |
| Interest Income on Balances Due from Depository Institutions | RIAD4115 | $149K |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of More Than 250000 | RIADHK04 | $147K |
| Service Charges on Deposit Accounts in Domestic Offices | RIAD4080 | $145K |
| Interest and Dividend Income on Tax-exempt Securities Issued by States and Political Subdivisions in the U.S. | RIAD4507 | $133K |
| Interest on Transaction Accounts (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) | RIAD4508 | $124K |
| Fees and Commissions from Securities Brokerage | RIADC886 | $57K |
| Net Servicing Fees | RIADB492 | $45K |
| Other Interest Income | RIAD4518 | $38K |
| Investment Banking, Advisory, and Underwriting Fees and Commissions | RIADC888 | $32K |
| Interest and Dividend Income on Securities: U.S. Treasury Securities and U.S. Government Agency Obligations (Excluding Mortgage-backed Securities) | RIADB488 | $4K |
| Net Gains (Losses) on Sales of Loans | RIAD5416 | $3K |
| Number of Full Time Equivalent Employees on Payroll at End of Current Period | RIAD4150 | 58 |
Schedule RC-A: Cash and Balances Due from Depository Institutions (5 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Cash and Balances Due from Depository Institutions | RCON0010 | $9.7M |
| Balances Due from Federal Reserve Banks | RCON0090 | $8.4M |
| Currency and Coin | RCON0080 | $839K |
| Balances Due from Depository Institutions in the U.S. | RCON0082 | $362K |
| Cash Items in Process of Collection and Unposted Debits | RCON0020 | $89K |
Schedule RC-B: Securities (25 items)
About Schedule RC-B · Citizens Independent Bank securities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Mortgage-backed Securities (MBS): Residential Pass-through Securities: Guaranteed by GNMA: Available-for-sale Amortized Cost | RCONG302 | $44K |
| Mortgage-backed Securities (MBS): Residential Pass-through Securities: Guaranteed by GNMA: Available-for-sale Fair Value | RCONG303 | $44K |
| Mortgage-backed Securities (MBS): Residential Pass-through Securities: Issued by FNMA and FHLMC: Available-for-sale Amortized Cost | RCONG306 | $64.1M |
| Mortgage-backed Securities (MBS): Residential Pass-through Securities: Issued by FNMA and FHLMC: Available-for-sale Fair Value | RCONG307 | $56.3M |
| Mortgage-backed Securities (MBS): Other Residential MBS (Include Cmos, REMICS, and Stripped MBS): Issued or Guaranteed by FNMA, FHLMC, or GNMA - Available-for-sale Amortized Cost | RCONG314 | $9.5M |
| Mortgage-backed Securities (MBS): Other Residential MBS (Include Cmos, REMICS, and Stripped MBS): Issued or Guaranteed by FNMA, FHLMC, or GNMA - Available-for-sale Fair Value | RCONG315 | $9.0M |
| Mortgage-backed Securities (MBS): Other Residential MBS (Include Cmos, REMICS, and Stripped MBS): All Other Residential MBS - Available-for-sale Amortized Cost | RCONG322 | $8.4M |
| Mortgage-backed Securities (MBS): Other Residential MBS (Include Cmos, REMICS, and Stripped MBS): All Other Residential MBS - Available-for-sale Fair Value | RCONG323 | $7.7M |
| Total Amortized Cost of Available-for-sale Securities | RCON1772 | $94.6M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over 15 Years | RCONA560 | $32.7M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Five Years Through 15 Years | RCONA559 | $22.4M |
| Amortized Cost of Available-for-sale Securities Issued by States and Political Subdivisions in the U.S. | RCON8498 | $12.3M |
| Fair Value of Available-for-sale Securities Issued by States and Political Subdivisions in the U.S. | RCON8499 | $11.0M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Five Years Through Fifteen Years | RCONA553 | $11.0M |
| Pledged Securities | RCON0416 | $10.6M |
| OTHER MORTGAGE-BACKED SECURITIES (INCLUDE CMOs, REMICs, AND STRIPPED MBS) WITH AN EXPECTED AVERAGE LIFE OF OVER THREE YEARS | RCONA562 | $8.9M |
| OTHER MORTGAGE-BACKED SECURITIES (INCLUDE CMOs, REMICs, AND STRIPPED MBS) WITH AN EXPECTED AVERAGE LIFE OF THREE YEARS OR LESS | RCONA561 | $7.8M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Years Through Five Years | RCONA558 | $675K |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONA557 | $370K |
| US government agency obligations (exclude mortgage-backed securities), Available for sale, Amortized Cost | RCONHT52 | $208K |
| 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 | $207K |
| US government agency obligations (exclude mortgage-backed securities), Available for sale, Fair Value | RCONHT53 | $207K |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONA555 | $85K |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONA556 | $47K |
| Fixed Rate and Floating Rate Debt Securities with a Remaining Maturity of One Year or Less | RCONA248 | $44K |
Schedule RC-C, Part I: Loans and Leases (32 items)
About Schedule RC-C, Part I · Citizens Independent Bank loans and leases trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Loans and Leases, Net of Unearned Income | RCON2122 | $208.9M |
| Pledged Loans and Leases | RCONG378 | $89.9M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Years Through Five Years | RCONA573 | $56.5M |
| 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 Over One Year Through Three Years | RCONA572 | $54.5M |
| Loans Secured by Other Nonfarm Nonresidential Properties. | RCONF161 | $51.6M |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by First Liens | RCON5367 | $44.7M |
| Loans Secured by Owner Occupied Nonfarm Nonresidential Properties | RCONF160 | $43.3M |
| Fixed Rate and Floating Rate Loans and Leases with a Remaining Maturity of One Year or Less | RCONA247 | $38.5M |
| Commercial and Industrial Loans | RCON1766 | $30.5M |
| Commercial and Industrial Loans to U.S. Addressees | RCON1763 | $30.5M |
| 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 | $26.2M |
| 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 | $18.1M |
| Automobile Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper) | RCONK137 | $17.6M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Years Through Five Years | RCONA567 | $16.0M |
| 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 Five Years Through 15 Years | RCONA568 | $14.9M |
| 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 | $11.9M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Five Years Through 15 Years | RCONA574 | $8.7M |
| Real Estate Loans Secured by Multi-family (5 or More) Residential Properties | RCON1460 | $6.7M |
| Loans Secured by Other Construction Loans and All Land Development and Other Land Loans | RCONF159 | $4.5M |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by Junior Liens | RCON5368 | $3.1M |
| Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit | RCON1797 | $2.6M |
| All Other Lease Financing Receivables | RCONF163 | $2.5M |
| Lease Financing Receivables (Net of Unearned Income) | RCON2165 | $2.5M |
| 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 | $1.5M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Months Through 12 Months | RCONA565 | $1.4M |
| Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper): Other Revolving Credit Plans | RCONB539 | $217K |
| 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 | $215K |
| Loan Modifications to Borrowers Experiencing Financial Difficulty and in Compliance with Modified Terms: Loans Secured by 1-4 Family Residential Properties in Domestic Offices | RCONF576 | $152K |
| Total Loan Modifications to Borrowers Experiencing Financial Difficulty That Are in Compliance with Their Modified Terms | RCONHK25 | $152K |
| 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 | $144K |
| Other Consumer Loans to Individuals for Household, Family, and Other Personal Expenditures (Includes Single Payment, Installment, and All Student Loans) | RCONK207 | $24K |
Schedule RC-C, Part II: Loans to Small Businesses and Small Farms (12 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 | $14.2M |
| 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 | $4.1M |
| 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 | $1.9M |
| 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 | $732K |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5571 | $193K |
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5565 | $79K |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5568 | 35 |
| 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 | 24 |
| 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 | 19 |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5570 | 12 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5566 | 6 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5564 | 2 |
Schedule RC-E: Deposit Liabilities (26 items)
About Schedule RC-E · Citizens Independent Bank deposit liabilities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Nontransaction Accounts (Including Mmda's) | RCON2385 | $222.8M |
| Total Nontransaction Accounts Deposits of Individuals, Partnerships, and Corporations | RCONB550 | $221.4M |
| Money Market Deposit Accounts (Mmda's) | RCON6810 | $137.0M |
| Time Deposits of 250000 or Less with a Remaining Maturity of One Year or Less | RCONHK11 | $47.8M |
| Total Transaction Accounts | RCON2215 | $44.3M |
| Total Transaction Accounts - Deposits of Individuals, Partnerships, and Corporation | RCONB549 | $44.0M |
| Total Time Deposits of Less Than $100,000 | RCON6648 | $31.7M |
| 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 Three Months or Less | RCONHK07 | $29.2M |
| Total Demand Deposits (See Note Below) | RCON2210 | $27.3M |
| Other Nontransaction Savings Deposits (Excludes Mmda's) | RCON0352 | $23.5M |
| Components of Total Nontransaction Accounts: Total Time Deposits of $100,000 Through $250,000 | RCONJ473 | $20.7M |
| 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 Three Months Through 12 Months | RCONHK08 | $18.8M |
| Components of Total Nontransaction Accounts: Total Time Deposits of More Than $250,000 | RCONJ474 | $9.9M |
| Time Deposits of More Than $250,000 with a Remaining Maturity of One or Year Less | RCONK222 | $9.9M |
| All Time and Savings Deposits Held in IRA and Keogh Plan Accounts | RCON6835 | $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 | $5.2M |
| 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 Three Months or Less | RCONHK12 | $4.8M |
| 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 One Year Through Three Years | RCONHK09 | $3.6M |
| Individual Retirement Accounts (Iras) and Keogh Plan Accounts Included in Memorandum Item 2.C, 'Total Time Deposits of $100,000 or More,' Above | RCONF233 | $1.8M |
| Total reciprocal deposits | RCONJH83 | $1.4M |
| Total Nontransaction Accounts of States and Political Subdivisions in the U.S. | RCON2530 | $1.3M |
| Sweep deposits: Fully insured, non-affiliate sweep deposits | RCONMT91 | $1.0M |
| Total sweep deposits that are not brokered deposits | RCONMT95 | $1.0M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over Three Years | RCONHK10 | $883K |
| Total Transaction Accounts - Deposits of States and Political Subdivisions in the U.S. | RCON2203 | $255K |
| Total Nontransaction Accounts of United States Government | RCON2520 | $8K |
Schedule RC-F: Other Assets (6 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Net Deferred Tax Assets | RCON2148 | $4.1M |
| Accrued Interest Receivable | RCONB556 | $1.0M |
| Historical Cost of All Other Available-for-sale Equity Securities | RCON1752 | $590K |
| Other Assets | RCON2168 | $235K |
| Prepaid Expenses | RCON2166 | $233K |
| Other Assets, Interest-only strips receivable (not in the form of a security) | RCONHT80 | $132K |
Schedule RC-G: Other Liabilities (5 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| All Other Liabilities | RCON2938 | $5.5M |
| Operating lease liabilities | RCONLB56 | $5.5M |
| Other Expenses Accrued and Unpaid | RCON3646 | $1.2M |
| Interest Accrued and Unpaid on Deposits (in Domestic Offices) | RCON3645 | $499K |
| Allowance for Credit Losses on Off-balance Sheet Credit Exposures | RCONB557 | $20K |
Schedule RC-K: Quarterly Averages (15 items)
About Schedule RC-K · Citizens Independent Bank quarterly averages trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Quarterly Average of Total Assets | RCON3368 | $313.5M |
| Quarterly Average of Total Loans | RCON3360 | $208.4M |
| Nontransaction Accounts in Domestic Offices: Savings Deposits | RCONB563 | $166.7M |
| Quarterly Average of All Other Loans Secured by Real Estate | RCON3466 | $124.0M |
| Mortgage-backed Securities | RCONB559 | $83.0M |
| Liabilities, Nontransaction Accounts, Time Deposits of 250000 or Less | RCONHK16 | $53.2M |
| Quarterly Average of Loans Secured by 1-4 Family Residential Properties | RCON3465 | $51.8M |
| Quarterly Average of Commercial and Industrial Loans | RCON3387 | $29.5M |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Other | RCONB562 | $17.8M |
| Transaction Accounts (in Domestic Offices) (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) - Quarterly Average | RCON3485 | $16.8M |
| All Other Securities | RCONB560 | $12.3M |
| Quarterly Average of Other Borrowed Money | RCON3355 | $9.5M |
| Liabilities, Nontransaction Accounts, Time Deposits of More Than 250000 | RCONHK17 | $9.1M |
| Quarterly Average of Interest-bearing Balances Due from Depository Institutions | RCON3381 | $6.7M |
| U.S. Treasury Securities and U.S. Government Agency Obligations (Excluding Mortgage-backed Securities) | RCONB558 | $209K |
Schedule RC-L: Derivatives and Off-Balance-Sheet Items (6 items)
About Schedule RC-L · Citizens Independent Bank derivatives and off-balance-sheet items trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Other Unused Commitments: Commercial and Industrial Loans | RCONJ457 | $16.2M |
| Other Unused Commitments: All Other Unused Commitments | RCONJ459 | $9.3M |
| Unused Commitments - Revolving, Open-end Lines Secured by 1-4 Family Residential Properties | RCON3814 | $4.3M |
| Commercial Real Estate, Other Construction Loan and Land Development Loan Commitments | RCONF165 | $3.6M |
| Financial Standby Letters of Credit and Foreign Office Guarantees | RCON3819 | $158K |
| 1-4 Family Residential Construction Loan Commitments | RCONF164 | $4K |
Schedule RC-M: Memoranda (6 items)
About Schedule RC-M · Citizens Independent Bank memoranda trends
| Line item | Code | Q2 2026 |
|---|---|---|
| FHLB Advances (Loans) Due in One Year or Less | RCON2651 | $5.0M |
| FHLB Advances: Advances with a Remaining Maturity or Next Repricing Date of One Year or Less | RCONF055 | $5.0M |
| FHLB Advances: Advances with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONF056 | $3.8M |
| All Other Real Estate Owned: Nonfarm Nonresidential Properties in Domestic Offices | RCON5512 | $873K |
| Estimated Fair Value of Mortgage Servicing Assets | RCONA590 | $259K |
| Mortgage Servicing Assets | RCON3164 | $259K |
Schedule RC-N: Past Due and Nonaccrual Loans, Leases, and Other Assets (12 items)
About Schedule RC-N · Citizens Independent Bank past due and nonaccrual loans, leases, and other assets trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Loans and Lease Finance Receivables: Nonaccrual | RCON1403 | $280K |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by Junior Liens-nonaccural | RCONC230 | $223K |
| Loan Modifications to Borrowers Experiencing Financial Difficulty Secured by 1-4 Residential Properties (in Domestic Offices) - Nonaccrual | RCONF663 | $223K |
| 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 | $223K |
| Total Loans and Lease Financing Receivables: Past Due 30-89 Days and Still Accruing | RCON1406 | $70K |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by Junior Liens-past Due 30 Thru 89 Days and Still Accruing | RCONC238 | $60K |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens-nonaccural | RCONC229 | $35K |
| Loans Secured by 1-4 Family Residential Properties: Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit - Nonaccrual | RCON5400 | $22K |
| Loans Secured by 1-4 Family Residential Properties: Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit - Past Due 90 Days or More and Still Accruing | RCON5399 | $13K |
| Total Loans and Lease Financing Receivables: Past Due 90 Days or More and Still Accruing | RCON1407 | $13K |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Automobile Loans - Past Due 30 Through 89 Days and Still Accruing | RCONK213 | $9K |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Other - Past Due 30 Through 89 Days and Still Accruing | RCONK216 | $1K |
Schedule RC-O: Other Data for Deposit Insurance Assessments (12 items)
About Schedule RC-O · Citizens Independent Bank other data for deposit insurance assessments trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average Consolidated Total Assets for the Calendar Quarter | RCONK652 | $313.5M |
| Total Deposit Liabilities as Defined in Section 3(1) of the Federal Deposit Insurance Act Before Exclusions | RCONF236 | $267.5M |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of $250,000 or Less | RCONF049 | $163.7M |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF051 | $96.0M |
| Average Tangible Equity for the Calendar Quarter | RCONK654 | $38.5M |
| Amount of Retirement Deposits Accounts of $250,000 or Less | RCONF045 | $7.3M |
| Amount of Retirement Deposit Accounts of More Than $250,000 | RCONF047 | $600K |
| Number of Deposit Accounts (Excluding Retirement Accounts)of $250,000 or Less | RCONF050 | 9,231 |
| Number of Retirement Deposit Accounts of $250,000 or Less | RCONF046 | 404 |
| Number of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF052 | 170 |
| Number of Retirement Deposit Accounts of More Than $250,000 | RCONF048 | 2 |
| Averaging Method Used | RCONK653 | 1 |
Schedule RC-R: Regulatory Capital (1 item)
About Schedule RC-R · Citizens Independent Bank regulatory capital trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Risk-weighted Assets Before Deductions for Excess Allowance for Loan and Lease Losses and Allocated Transfer Risk Reserve - 100% | RCONB704 | $221.2M |
Schedule RC-R, Part I: Regulatory Capital Components and Ratios (21 items)
About Schedule RC-R, Part I · Citizens Independent Bank regulatory capital components and ratios trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average Total Assets (Net of Deductions) | RCOAA224 | $313.5M |
| Average total consolidated assets | RCOAKW03 | $313.5M |
| Risk-weighted Assets (Net of Allowances and Other Deductions) | RCOAA223 | $221.2M |
| Total Qualifying Capital Allowable Under the Risk-based Capital Guidelines | RCOA3792 | $40.5M |
| Common Equity Tier 1 Capital | RCOAP859 | $38.6M |
| Subtotal of Common Equity Tier 1 Capital: Adjustments and Deductions | RCOAP852 | $38.6M |
| Tier 1 Capital Allowable Under the Risk-based Capital Guidelines | RCOA8274 | $38.6M |
| Common Equity Tier 1 Capital: Common Stock Plus Related Surplus, Net of Treasury Stock and Unearned Employee Stock Ownership Plan (ESOP) Shares | RCOAP742 | $36.2M |
| Common Equity Tier 1 Capital Before Adjustments and Deductions | RCOAP840 | $31.2M |
| Accumulated Other Comprehensive Income | RCOAB530 | -$7.4M |
| 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 | -$7.4M |
| Retained Earnings | RCOAKW00 | $2.3M |
| General Loan and Lease Valuation Allowances | RCOA5310 | $1.9M |
| Tier 2 (Supplementary) Capital | RCOA5311 | $1.9M |
| Tier 2 Capital Before Deductions | RCOAP870 | $1.9M |
| A. AOCI Opt-out Election (Enter '1' for Yes, Enter '0' for No.) | RCOAP838 | 1 |
| Total Risk-based Capital Ratio | RCOA7205 | 0.1829 |
| Common Equity Tier 1 Capital Ratio | RCOAP793 | 0.1744 |
| Tier 1 Risk-based Capital Ratio | RCOA7206 | 0.1744 |
| Tier 1 Leverage Capital Ratio | RCOA7204 | 0.1231 |
| Institution-specific Capital Buffer Necessary to Avoid Limitations on Distributions and Discretionary Bonus Payments: Capital Conservation Buffer | RCOAH311 | 0.1029 |
Schedule RC-R, Part II: Risk-Weighted Assets (51 items)
About Schedule RC-R, Part II · Citizens Independent 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 | $221.2M |
| Total Risk-weighted Assets | RCONG641 | $221.2M |
| Risk-weighted Assets by Risk-weighted Category - 100 Pct Risk Weight Category | RCONG637 | $174.6M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 100 Pct Risk Weight Category | RCONG633 | $174.6M |
| Total Balance Sheet Assets - 100 Pct Risk Weight Category | RCOND990 | $169.7M |
| Total Loans and Leases, Net of Unearned Income, All Other Exposures | RCONS457 | $151.9M |
| Loans and Leases, Net of Unearned Income, All Other Exposures - 100 Pct Risk Weight Category | RCONS462 | $151.5M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 20 Pct Risk Weight Category | RCONG631 | $93.3M |
| Total Balance Sheet Assets - 20 Pct Risk Weight Category | RCOND988 | $93.3M |
| Available-for-sale Securities - 20 Pct Risk Weight Category | RCOND968 | $92.3M |
| Available-for-sale debt securities and equity securities with readily determinable fair values not held for trading purposes, Total Fair Value | RCONJA21 | $82.5M |
| Total Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures | RCONS439 | $57.1M |
| Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures - 50 Pct Risk Weight Category | RCONS442 | $51.3M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 50 Pct Risk Weight Category | RCONG632 | $51.3M |
| Total Balance Sheet Assets - 50 Pct Risk Weight Category | RCOND989 | $51.3M |
| Risk-weighted Assets by Risk-weighted Category - 50 Pct Risk Weight Category | RCONG636 | $25.6M |
| Risk-weighted Assets by Risk-weighted Category - 20 Pct Risk Weight Category | RCONG635 | $18.7M |
| Unconditionally Cancellable Commitments | RCONS540 | $16.1M |
| Total All Other Assets | RCOND981 | $13.2M |
| All Other Assets - 100 Pct Risk Weight Category | RCOND985 | $12.4M |
| Total Balance Sheet Assets - Adjustments to Total Reported in Column a | RCONS500 | -$12.3M |
| Available-for-sale Securities - Adjustment to Totals Reported in Column a | RCONS402 | -$12.1M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 0 Pct Risk Weight Category | RCONG630 | $11.9M |
| Total Balance Sheet Assets - 0 Pct Risk Weight Category | RCOND987 | $11.9M |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, Face, Notional or Other Amount | RCONS525 | $9.8M |
| Total Cash and Balances Due from Depository Institutions | RCOND957 | $9.7M |
| Cash and Balances Due from Depository Institutions - 0 Pct Risk Weight Category | RCOND958 | $9.3M |
| Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures - 100 Pct Risk Weight Category | RCONS443 | $5.8M |
| Unused Commitments, Original Maturity Exceeding One Year - Face, Notional, or Other Amount | RCONG624 | $5.6M |
| Unused Commitments, Original Maturity Exceeding One Year - 100 Pct Risk Weight Category | RCONG629 | $2.8M |
| Unused Commitments, Original Maturity Exceeding One Year - Credit Equivalent Amount | RCONG625 | $2.8M |
| Available-for-sale Securities - 0 Pct Risk Weight Category | RCOND967 | $2.3M |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, 100% | RCONS530 | $2.0M |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, Credit Equivalent Amount | RCONS526 | $2.0M |
| On-balance Sheet Securitization Exposures, Available-for-sale Securities - Adjustments to Total Reported in Column a | RCONS481 | $1.7M |
| On-balance Sheet Securitization Exposures, Available-for-sale Securities - Ssfa Risk Weight Exposure, by Calculation Methodology | RCONS483 | $1.7M |
| Total On-balance Sheet Securitization Exposures, Available-for-sale Securities | RCONS480 | $1.7M |
| Risk-weighted Assets by Risk-weighted Category - 250 Pct Risk Weight Category | RCONS573 | $648K |
| All Other Assets - 20 Pct Risk Weight Category | RCOND983 | $583K |
| Cash and Balances Due from Depository Institutions - 20 Pct Risk Weight Category | RCOND959 | $452K |
| Loans and Leases, Net of Unearned Income, All Other Exposures - 0 Pct Risk Weight Category | RCONS459 | $359K |
| All Other Assets - 250 Pct Risk Weight Category | RCONH293 | $259K |
| The total of all components in the 250% balance sheet asset category on Call Report Schedule RC-R is multiplied by 250% | RCONS504 | $259K |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 250 Pct Risk Weight Category | RCONS562 | $259K |
| Financial Standby Letters of Credit - 100 Pct Risk Weight Category | RCOND996 | $158K |
| Financial Standby Letters of Credit - Credit Equivalent Amount | RCOND992 | $158K |
| Financial Standby Letters of Credit - Face, Notional, or Other Amount | RCOND991 | $158K |
| Risk-weighted Assets by Risk-weighted Category - 400 Pct Risk Weight Category | RCONS575 | $28K |
| All Other Assets - 400 Pct Risk Weight Category | RCONS470 | $7K |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 400 Pct Risk Weight Category | RCONS564 | $7K |
| Total Balance Sheet Assets - 400 Pct Risk Weight Category | RCONS506 | $7K |
Schedule RC-S: Servicing, Securitization, and Asset Sale Activities (1 item)
| Line item | Code | Q2 2026 |
|---|---|---|
| Outstanding Principal Balance of Assets Serviced for Others (Memorandum Item 2.C Is to Be Completed If the Balance Is More Than $10 Million): 1-4 Family Residential Mortgages Serviced with No Recourse or Other Servicer-provided Credit Enhancements | RCONB805 | $22.5M |
Schedule RI-A: Changes in Bank Equity Capital (5 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Equity Capital | RIAD3210 | $31.2M |
| Balance End of Previous Calendar Year as Restated | RIADB508 | $31.1M |
| Equity Capital, Most Recently Reported for the End of Previous Calendar Year (I.e., After Adjustments from Amended Reports of Income) | RIAD3217 | $31.1M |
| Cash Dividends Declared on Common Stock | RIAD4460 | $500K |
| Other Comprehensive Income | RIADB511 | -$197K |
Schedule RI-B, Part I: Charge-offs and Recoveries on Loans and Leases (7 items)
About Schedule RI-B, Part I · Citizens Independent Bank charge-offs and recoveries on loans and leases trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Charge-offs on Allowance for Loan and Lease Losses | RIAD4635 | $3.0M |
| Loans Secured by Other Nonfarm Nonresidential Properties: Charge-offs | RIADC897 | $3.0M |
| Recoveries on Allowance for Loan and Lease Losses | RIAD4605 | $43K |
| Recoveries on Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens | RIADC217 | $40K |
| Charge-offs All Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADK205 | $3K |
| Recoveries All Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADK206 | $3K |
| Charge-offs on Closed-end Loans by 1-4 Family Residential Properties:secured by First Liens | RIADC234 | $1K |
Schedule RI-B, Part II: Changes in Allowances for Credit Losses (3 items)
About Schedule RI-B, Part II · Citizens Independent Bank 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 | $4.8M |
| Charge-offs on Allowance for Loan and Lease Losses | RIADC079 | $3.0M |
| Allowance for Loan and Lease Losses | RIAD3123 | $1.9M |
Schedule RI-E: Explanations (14 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Data Processing Expenses | RIADC017 | $340K |
| Bank Card and Credit Card Interchange Fees | RIADF555 | $147K |
| Marketing and Other Professional Services | RIAD0497 | $129K |
| Automated Teller Machine (ATM) and Interchange Expense | RIADF558 | $112K |
| Accounting and Auditing Expenses | RIADF556 | $64K |
| Telecommunications Expense | RIADF559 | $46K |
| Directors' Fees | RIAD4136 | $44K |
| Consulting and Advisory Expense | RIADF557 | $39K |
| Legal Expense | RIAD4141 | $30K |
| Printing, Stationery, and Supplies | RIADC018 | $29K |
| Safe Deposit Box Rent | RIADC015 | $23K |
| Income and Fees from Automated Teller Machines (Atms) | RIADC016 | $18K |
| Operating Expenses Communications - Postage, Monthly | RIAD8403 | $10K |
| Income and Fees from the Printing and Sale of Checks | RIADC013 | $7K |
Citizens Independent 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 Independent Bank call report?
The Citizens Independent 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 Independent Bank file?
Citizens Independent Bank files the FFIEC 041. The FFIEC 031 is for banks with foreign offices, the FFIEC 041 for banks with domestic offices only, and the FFIEC 051 is the streamlined form most domestic banks under $5 billion in total assets may file.
What is the Citizens Independent 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 Independent Bank has Federal Reserve RSSD ID 825753 and FDIC certificate number 16863. Either one finds its filings on the FFIEC Central Data Repository.
How often does Citizens Independent 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 Independent 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 16863) · FFIEC NIC profile (RSSD 825753)