Bank call report · Bluffton, OH
The Citizens National Bank of Bluffton Call Report
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The Citizens National Bank of Bluffton filed its latest call report for the quarter ended June 30, 2026 on the FFIEC 051. Below are its 305 reported line items, schedule by schedule (416 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 | 738013 |
| FDIC certificate number | 6531 |
| Total assets | $1.10B |
Official Q2 2026 call report PDF (FFIEC) →
The Citizens National Bank of Bluffton 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 (24 items)
About Schedule RC · The Citizens National Bank of Bluffton balance sheet trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Assets | RCON2170 | $1.10B |
| Total Liabilities, Limited-life Preferred Stock, and Equity Capital | RCON3300 | $1.10B |
| Total Liabilities and Minority Interest | RCON2948 | $997.8M |
| Loans and Leases, Net of Unearned Income - Totals | RCONB528 | $880.3M |
| Loans and Leases, Net of Unearned Income and Allowance | RCONB529 | $867.1M |
| Total Deposits | RCON2200 | $863.6M |
| Total Interest-bearing Deposits in Foreign and Domestic Offices | RCON6636 | $640.0M |
| Deposits: Noninterest-bearing | RCON6631 | $223.6M |
| Available-for-sale debt securities (from Schedule RC-B, column D) | RCON1773 | $178.5M |
| Other Borrowed Money | RCON3190 | $129.3M |
| Undivided Profits and Capital Reserves | RCON3632 | $121.0M |
| Total Equity Capital | RCON3210 | $105.6M |
| Total Equity Capital Including Noncontrolling Minority Interests in Consolidated Subsidiaries | RCONG105 | $105.6M |
| Accumulated Other Comprehensive Income | RCONB530 | -$16.1M |
| Interest-bearing Balances | RCON0071 | $15.8M |
| Other Assets | RCON2160 | $15.5M |
| Allowance for Loan and Lease Losses | RCON3123 | $13.3M |
| Noninterest-bearing Balances and Currency and Coin | RCON0081 | $13.0M |
| Premises and Fixed Assets (Including Capitalized Leases) | RCON2145 | $9.0M |
| Other Liabilities, Total | RCON2930 | $4.9M |
| Loans and Leases Held for Sale | RCON5369 | $2.3M |
| Intangible Assets | RCON2143 | $2.2M |
| Common Stock | RCON3230 | $350K |
| Surplus | RCON3839 | $350K |
Schedule RI: Income Statement (44 items)
About Schedule RI · The Citizens National Bank of Bluffton income statement trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Interest Income | RIAD4107 | $31.4M |
| Interest and Fee Income on Loans, Total | RIAD4010 | $28.0M |
| Net Interest Income | RIAD4074 | $23.3M |
| Interest and Fee Income on All Other Loans Secured by Real Estate | RIAD4436 | $18.1M |
| Income (Loss) Before Applicable Income Taxes and Discontinued Operations | RIAD4301 | $13.3M |
| Income (Loss) Before Discontinued Operations | RIAD4300 | $13.3M |
| 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 | $13.3M |
| Net Income (Loss) | RIAD4340 | $13.3M |
| Net Income (Loss) Attributable to Bank and Noncontrolling Minority Interests | RIADG104 | $13.3M |
| Total Noninterest Expense | RIAD4093 | $13.3M |
| Total Interest Expense | RIAD4073 | $8.2M |
| Salaries and Employee Benefits | RIAD4135 | $7.3M |
| Interest and Fee Income on Loans Secured by 1-4 Family Residential Properties | RIAD4435 | $4.9M |
| Other Noninterest Expense | RIAD4092 | $4.3M |
| Savings Deposits (Including Mmdas) | RIAD0093 | $3.4M |
| Interest and Fee Income on Commercial and Industrial Loans | RIAD4012 | $3.4M |
| Total Noninterest Income | RIAD4079 | $3.3M |
| Other Interest Expense | RIADGW44 | $2.4M |
| Interest and Dividend Income on Securities: Mortgage-backed Securities | RIADB489 | $2.0M |
| Interest and Fee Income on All Other Loans in Domestic Offices | RIAD4058 | $1.7M |
| Expenses of Premises and Fixed Assets | RIAD4217 | $1.6M |
| Interest and Fee Income on Loans to Finance Agricultural Production and Other Loans to Farmers in Domestic Offices | RIAD4024 | $1.6M |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of 250000 or Less | RIADHK03 | $1.3M |
| Interest on Other Securities | RIAD4060 | $980K |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of More Than 250000 | RIADHK04 | $954K |
| Other Noninterest Income | RIADB497 | $836K |
| Noninterest income: Fees and commissions from securities brokerage, investment banking, advisory, and underwriting activities | RIADHT73 | $705K |
| Net Servicing Fees | RIADB492 | $690K |
| Net Gains (Losses) on Sales of Loans | RIAD5416 | $564K |
| Noninterest income: Income from insurance activities | RIADHT74 | $276K |
| Other Interest Income | RIAD4518 | $274K |
| Service Charges on Deposit Accounts in Domestic Offices | RIAD4080 | $242K |
| Interest and Dividend Income on Tax-exempt Securities Issued by States and Political Subdivisions in the U.S. | RIAD4507 | $172K |
| Estimated Income on Tax-exempt Loans and Leases to States and Political Subdivisions in the U.S. | RIAD4313 | $122K |
| Interest Income on Balances Due from Depository Institutions | RIAD4115 | $94K |
| Provision for Loan and Lease Losses | RIAD4230 | $77K |
| Interest Income on Federal Funds Sold and Securities Purchased Under Agreements to Resell | RIAD4020 | $53K |
| Interest on Transaction Accounts (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) | RIAD4508 | $51K |
| Loans to Individuals for Households, Family, and Other Personal Expenditures: Credit Cards | RIADB485 | $33K |
| 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 | $23K |
| Provisions for Credit Losses on Financial Assets | RIADJJ33 | $14K |
| Net Gains (Losses) on Sales of Other Assets (Excluding Securities) | RIADB496 | $6K |
| Income from Lease Financing Receivables | RIAD4065 | $2K |
| Number of Full Time Equivalent Employees on Payroll at End of Current Period | RIAD4150 | 160 |
Schedule RC-B: Securities (14 items)
About Schedule RC-B · The Citizens National Bank of Bluffton securities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| 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 | $54.8M |
| 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 | $52.4M |
| Total Amortized Cost of Available-for-sale Securities | RCON1772 | $194.6M |
| Pledged Securities | RCON0416 | $82.9M |
| Amortized Cost of Available-for-sale Securities Issued by States and Political Subdivisions in the U.S. | RCON8498 | $72.1M |
| Mortgage backed securities (MBS), Issued or guarnteed by FNMA, FHLMC, or GNMA, Available for sale, Amortized Cost | RCONHT56 | $67.7M |
| Fair Value of Available-for-sale Securities Issued by States and Political Subdivisions in the U.S. | RCON8499 | $67.2M |
| Mortgage backed securities (MBS), Issued or guarnteed by FNMA, FHLMC, or GNMA, Available for sale, Fair Value | RCONHT57 | $58.8M |
| 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 15 Years | RCONA560 | $52.8M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing of Over Ffteen Years | RCONA554 | $40.5M |
| OTHER MORTGAGE-BACKED SECURITIES (INCLUDE CMOs, REMICs, AND STRIPPED MBS) WITH AN EXPECTED AVERAGE LIFE OF OVER THREE YEARS | RCONA562 | $36.2M |
| 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 Five Years Through Fifteen Years | RCONA553 | $26.7M |
| OTHER MORTGAGE-BACKED SECURITIES (INCLUDE CMOs, REMICs, AND STRIPPED MBS) WITH AN EXPECTED AVERAGE LIFE OF THREE YEARS OR LESS | RCONA561 | $16.2M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Five Years Through 15 Years | RCONA559 | $6.0M |
Schedule RC-C, Part I: Loans and Leases (39 items)
About Schedule RC-C, Part I · The Citizens National Bank of Bluffton loans and leases trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Loans and Leases, Net of Unearned Income | RCON2122 | $882.7M |
| Pledged Loans and Leases | RCONG378 | $679.2M |
| 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 | $249.8M |
| Loans Secured by Other Nonfarm Nonresidential Properties. | RCONF161 | $238.4M |
| 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 | $165.4M |
| Loans Secured by Owner Occupied Nonfarm Nonresidential Properties | RCONF160 | $162.3M |
| 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 | $152.2M |
| 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 | $138.2M |
| Fixed Rate and Floating Rate Loans and Leases with a Remaining Maturity of One Year or Less | RCONA247 | $115.1M |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by First Liens | RCON5367 | $114.9M |
| Adjustable Rate Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties | RCON5370 | $99.3M |
| Real Estate Loans Secured by Farmland | RCON1420 | $97.3M |
| Commercial and Industrial Loans | RCON1766 | $86.2M |
| 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 Years Through Five Years | RCONA567 | $57.1M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Five Years Through 15 Years | RCONA574 | $49.2M |
| Loans Secured by Other Construction Loans and All Land Development and Other Land Loans | RCONF159 | $49.2M |
| Loans to Finance Agricultural Production and Other Loans to Farmers | RCON1590 | $46.9M |
| Real Estate Loans Secured by Multi-family (5 or More) Residential Properties | RCON1460 | $46.1M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over One Year Through Three Years | RCONA566 | $22.9M |
| Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit | RCON1797 | $20.3M |
| 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 | $15.4M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Three Months or Less | RCONA564 | $13.8M |
| Other Loans | RCONJ464 | $8.9M |
| 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 15 Years | RCONA575 | $7.2M |
| Loans Secured by 1-4 Family Residential Construction | RCONF158 | $4.0M |
| 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 | $2.9M |
| Obligations (Other Than Securities and Leases) of States and Political Subdivisions in the U.S. | RCON2107 | $2.8M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over 15 Years | RCONA569 | $2.6M |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by Junior Liens | RCON5368 | $2.3M |
| Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper): Credit Cards | RCONB538 | $1.8M |
| Other Consumer Loans to Individuals for Household, Family, and Other Personal Expenditures (Includes Single Payment, Installment, and All Student Loans) | RCONK207 | $1.0M |
| Total Loan Modifications to Borrowers Experiencing Financial Difficulty That Are in Compliance with Their Modified Terms | RCONHK25 | $430K |
| Automobile Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper) | RCONK137 | $253K |
| Itemize Loans to Finance Agricultural Production and Other Loans to Farmers That Exceed 10 Percent of Total Loan Modifications to Borrowers Experiencing Financial Difficulty That Are in Compliance with Their Modified Terms | RCONK168 | $247K |
| Loan Modifications to Borrowers Experiencing Financial Difficulty - All Other Loans | RCONK165 | $247K |
| 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 | $183K |
| 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 | $155K |
| Lease Financing Receivables (Net of Unearned Income) | RCON2165 | $104K |
| Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper): Other Revolving Credit Plans | RCONB539 | $6K |
Schedule RC-C, Part II: Loans to Small Businesses and Small Farms (24 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 | $65.8M |
| 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 | $31.0M |
| 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 | $17.2M |
| 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 | $14.5M |
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5567 | $12.9M |
| 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 | $11.3M |
| 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 | $8.6M |
| 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 | $6.4M |
| 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 | $3.6M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5571 | $3.1M |
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5565 | $2.7M |
| Amount Currently Outstanding of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5579 | $1.9M |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5570 | 228 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5568 | 182 |
| 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 | 170 |
| Number of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5584 | 140 |
| 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 | 132 |
| 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 | 125 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5566 | 103 |
| 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 | 97 |
| 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 | 79 |
| Number of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5578 | 65 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5564 | 62 |
| 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 | 62 |
Schedule RC-E: Deposit Liabilities (31 items)
About Schedule RC-E · The Citizens National Bank of Bluffton deposit liabilities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Nontransaction Accounts (Including Mmda's) | RCON2385 | $785.8M |
| Total Nontransaction Accounts Deposits of Individuals, Partnerships, and Corporations | RCONB550 | $692.3M |
| Other Nontransaction Savings Deposits (Excludes Mmda's) | RCON0352 | $418.9M |
| Money Market Deposit Accounts (Mmda's) | RCON6810 | $209.6M |
| Total reciprocal deposits | RCONJH83 | $106.9M |
| Total Nontransaction Accounts of States and Political Subdivisions in the U.S. | RCON2530 | $90.4M |
| Time Deposits of 250000 or Less with a Remaining Maturity of One Year or Less | RCONHK11 | $84.8M |
| Total Transaction Accounts | RCON2215 | $77.8M |
| Total Transaction Accounts - Deposits of Individuals, Partnerships, and Corporation | RCONB549 | $74.9M |
| Total Demand Deposits (See Note Below) | RCON2210 | $61.7M |
| Total Time Deposits of Less Than $100,000 | RCON6648 | $60.7M |
| Components of Total Nontransaction Accounts: Total Time Deposits of More Than $250,000 | RCONJ474 | $56.3M |
| 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 | $48.9M |
| Time Deposits of More Than $250,000 with a Remaining Maturity of One or Year Less | RCONK222 | $47.3M |
| Selected Components of Total Deposits, Brokered Deposits of 250000 or Less (Fully Insured Brokered Deposits) | RCONHK05 | $46.6M |
| Selected Components of Total Deposits, Brokered Deposits of 250000 or Less with a Remaining Maturity of One Year or Less | RCONHK06 | $46.6M |
| Total Brokered Deposits | RCON2365 | $46.6M |
| Sweep deposits: Fully insured, non-affiliate sweep deposits | RCONMT91 | $46.2M |
| Total sweep deposits that are not brokered deposits | RCONMT95 | $46.2M |
| Components of Total Nontransaction Accounts: Total Time Deposits of $100,000 Through $250,000 | RCONJ473 | $40.4M |
| 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 | $35.8M |
| 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 | $28.5M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONHK12 | $18.8M |
| 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 | $14.7M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONHK14 | $9.0M |
| Total Nontransaction Accounts of Commercial Banks and Other Depository Institutions in the U.S. | RCONB552 | $3.1M |
| Total Transaction Accounts - Deposits of States and Political Subdivisions in the U.S. | RCON2203 | $2.1M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over Three Years | RCONHK10 | $1.6M |
| All Time and Savings Deposits Held in IRA and Keogh Plan Accounts | RCON6835 | $1.1M |
| Total Transaction Accounts - Deposits of Commercial Banks and Other Depository Institutions in the U.S. | RCONB551 | $742K |
| Individual Retirement Accounts (Iras) and Keogh Plan Accounts Included in Memorandum Item 2.C, 'Total Time Deposits of $100,000 or More,' Above | RCONF233 | $110K |
Schedule RC-F: Other Assets (6 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Historical Cost of All Other Available-for-sale Equity Securities | RCON1752 | $7.4M |
| Accrued Interest Receivable | RCONB556 | $4.8M |
| Other Assets | RCON2168 | $3.3M |
| First Itemized Amount That Exceeds 25% of All Other Assets (2168) | RCON3549 | $980K |
| Prepaid Expenses | RCON2166 | $768K |
| Computer Software | RCONFT33 | $513K |
Schedule RC-G: Other Liabilities (6 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Other Expenses Accrued and Unpaid | RCON3646 | $2.3M |
| All Other Liabilities | RCON2938 | $1.5M |
| First Itemized Amount That Exceeds 25% of All Other Liabilities (2938) or (2942) | RCON3552 | $716K |
| Interest Accrued and Unpaid on Deposits (in Domestic Offices) | RCON3645 | $646K |
| Deferred Compensation Liabilities | RCONC011 | $560K |
| Allowance for Credit Losses on Off-balance Sheet Credit Exposures | RCONB557 | $480K |
Schedule RC-K: Quarterly Averages (18 items)
About Schedule RC-K · The Citizens National Bank of Bluffton quarterly averages trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Quarterly Average of Total Assets | RCON3368 | $1.10B |
| Quarterly Average of Total Loans | RCON3360 | $877.7M |
| Nontransaction Accounts in Domestic Offices: Savings Deposits | RCONB563 | $659.0M |
| Quarterly Average of All Other Loans Secured by Real Estate | RCON3466 | $592.3M |
| Quarterly Average of Loans Secured by 1-4 Family Residential Properties | RCON3465 | $137.1M |
| Quarterly Average of Other Borrowed Money | RCON3355 | $131.4M |
| Mortgage-backed Securities | RCONB559 | $122.7M |
| Quarterly Average of Commercial and Industrial Loans | RCON3387 | $95.4M |
| Liabilities, Nontransaction Accounts, Time Deposits of 250000 or Less | RCONHK16 | $89.5M |
| All Other Securities | RCONB560 | $71.5M |
| Liabilities, Nontransaction Accounts, Time Deposits of More Than 250000 | RCONHK17 | $65.4M |
| Quarterly Average of Loans to Finance Agricultural Production and Other Loans to Farmers | RCON3386 | $43.7M |
| Transaction Accounts (in Domestic Offices) (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) - Quarterly Average | RCON3485 | $5.6M |
| Quarterly Average of Interest-bearing Balances Due from Depository Institutions | RCON3381 | $5.4M |
| Quarterly Average of Federal Funds Sold and Securities Purchased Under Agreements to Resell | RCON3365 | $2.4M |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Credit Cards | RCONB561 | $2.2M |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Other | RCONB562 | $655K |
| Lease Financing Receivables (Net of Unearned Income) - Quarterly Average | RCON3484 | $104K |
Schedule RC-L: Derivatives and Off-Balance-Sheet Items (11 items)
About Schedule RC-L · The Citizens National Bank of Bluffton derivatives and off-balance-sheet items trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Other Unused Commitments: Commercial and Industrial Loans | RCONJ457 | $67.2M |
| Commercial Real Estate, Other Construction Loan and Land Development Loan Commitments | RCONF165 | $40.1M |
| Other Unused Commitments: All Other Unused Commitments | RCONJ459 | $39.5M |
| Unused Commitments - Revolving, Open-end Lines Secured by 1-4 Family Residential Properties | RCON3814 | $21.9M |
| All Other Off-balance Sheet Liabilities | RCON3430 | $18.2M |
| Standby Letters of Credit Issued by a Federal Home Loan Bank on the Bank's Behalf | RCONC978 | $18.2M |
| Unused Commitments - Credit Card Lines | RCON3815 | $11.9M |
| 1-4 Family Residential Construction Loan Commitments | RCONF164 | $2.1M |
| Total Gross Notional Amount of Interest Rate Derivative Contracts Held for Purposes Other Than Trading: Contracts Marked to Market | RCON8725 | $2.0M |
| Performance Standby Letters of Credit | RCON3821 | $657K |
| Financial Standby Letters of Credit and Foreign Office Guarantees | RCON3819 | $373K |
Schedule RC-M: Memoranda (7 items)
About Schedule RC-M · The Citizens National Bank of Bluffton memoranda trends
| Line item | Code | Q2 2026 |
|---|---|---|
| FHLB Advances: Advances with a Remaining Maturity or Next Repricing Date of Over Five Years | RCONF058 | $74.5M |
| FHLB Advances (Loans) Due in One Year or Less | RCON2651 | $49.5M |
| FHLB Advances: Advances with a Remaining Maturity or Next Repricing Date of One Year or Less | RCONF055 | $49.5M |
| FHLB Advances: Advances with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONF056 | $5.3M |
| Estimated Fair Value of Mortgage Servicing Assets | RCONA590 | $3.8M |
| Mortgage Servicing Assets | RCON3164 | $2.2M |
| Aggregate Amount of All Extensions of Credit to All Executive Officers, Directors, Principal Shareholders, and Their Related Interests | RCON6164 | $276K |
Schedule RC-N: Past Due and Nonaccrual Loans, Leases, and Other Assets (17 items)
About Schedule RC-N · The Citizens National Bank of Bluffton past due and nonaccrual loans, leases, and other assets trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Loans and Lease Finance Receivables: Nonaccrual | RCON1403 | $5.8M |
| 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 | $5.2M |
| Loan Modifications to Borrowers Experiencing Financial Difficulty Loans Secured by Owner Occupied Nonfarm Nonresidential Properties: Nonaccrual | RCONK116 | $4.6M |
| Loans Secured by Owner-occupied Nonfarm Nonresidential Properties, Nonaccrual | RCONF182 | $4.6M |
| Total Loans and Lease Financing Receivables: Past Due 30-89 Days and Still Accruing | RCON1406 | $682K |
| Commercial and Industrial Loans - Nonaccrual | RCON1608 | $671K |
| Loan Modifications to Borrowers Experiencing Financial Difficulty: Commercial and Industrial Loans - Nonaccrual | RCONK259 | $671K |
| Additions to Nonaccrual Assets | RCONC410 | $620K |
| Loans Secured by Real Estate (in Domestic Offices): Secured by Farmland - Nonaccrual | RCON3495 | $450K |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens-past Due 30 Thru 89 Days and Still Accruing | RCONC236 | $225K |
| Commercial and Industrial Loans - Past Due 30-89 Days and Still Accruing | RCON1606 | $190K |
| Loans Secured by Owner-occupied Nonfarm Nonresidential Properties, 30-89 Days Past Due | RCONF178 | $174K |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens-nonaccural | RCONC229 | $144K |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Credit Cards - Past Due 30 Through 89 Days and Still Accruing | RCONB575 | $61K |
| 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 30 Through 89 Days and Still Accruing | RCON5398 | $27K |
| All Other Loans - Past Due 30 Through 89 Days and Still Accruing | RCON5459 | $5K |
| Loans to Finance Agricultural Production and Other Loans to Farmers - Past Due 30-89 Days and Still Accruing | RCON1594 | $5K |
Schedule RC-O: Other Data for Deposit Insurance Assessments (11 items)
About Schedule RC-O · The Citizens National Bank of Bluffton other data for deposit insurance assessments trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average Consolidated Total Assets for the Calendar Quarter | RCONK652 | $1.10B |
| Total Deposit Liabilities as Defined in Section 3(1) of the Federal Deposit Insurance Act Before Exclusions | RCONF236 | $864.3M |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of $250,000 or Less | RCONF049 | $466.6M |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF051 | $396.5M |
| Estimated Amount of Uninsured Assessable Deposits in Domestic Offices of the Bank and in Insured Branches in Puerto Rico and U.S. Territories and Possessions, Including Related Interest Accrued and Unpaid | RCON5597 | $370.7M |
| Average Tangible Equity for the Calendar Quarter | RCONK654 | $122.1M |
| Amount of Retirement Deposits Accounts of $250,000 or Less | RCONF045 | $1.1M |
| Number of Deposit Accounts (Excluding Retirement Accounts)of $250,000 or Less | RCONF050 | 20,259 |
| Number of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF052 | 511 |
| Number of Retirement Deposit Accounts of $250,000 or Less | RCONF046 | 96 |
| Averaging Method Used | RCONK653 | 1 |
Schedule RC-P: 1-4 Family Residential Mortgage Banking Activities (2 items)
Schedule RC-R, Part I: Regulatory Capital Components and Ratios (19 items)
About Schedule RC-R, Part I · The Citizens National Bank of Bluffton regulatory capital components and ratios trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average Total Assets (Net of Deductions) | RCOAA224 | $1.10B |
| Average total consolidated assets | RCOAKW03 | $1.10B |
| Total Assets | RCOA2170 | $1.10B |
| 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 | $165.8M |
| Off-balance sheet exposures: Unused portion of conditionally cancellable commitments | RCOAKX79 | $146.6M |
| Common Equity Tier 1 Capital | RCOAP859 | $121.7M |
| Subtotal of Common Equity Tier 1 Capital: Adjustments and Deductions | RCOAP852 | $121.7M |
| Tier 1 Capital Allowable Under the Risk-based Capital Guidelines | RCOA8274 | $121.7M |
| Retained Earnings | RCOAKW00 | $121.0M |
| Common Equity Tier 1 Capital Before Adjustments and Deductions | RCOAP840 | $105.6M |
| Unconditionally Cancellable Commitments | RCOAS540 | $36.0M |
| Off-balance sheet exposures: Other off-balance sheet exposures | RCOAKX81 | $19.2M |
| Accumulated Other Comprehensive Income | RCOAB530 | -$16.1M |
| 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 | -$16.1M |
| Common Equity Tier 1 Capital: Common Stock Plus Related Surplus, Net of Treasury Stock and Unearned Employee Stock Ownership Plan (ESOP) Shares | RCOAP742 | $700K |
| 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 |
| Total off-balance sheet exposures (sum of items 15a through 15.c) | RCOAKX83 | 0.1503 |
| Tier 1 Leverage Capital Ratio | RCOA7204 | 0.1102 |
Schedule RI-A: Changes in Bank Equity Capital (5 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Balance End of Previous Calendar Year as Restated | RIADB508 | $108.3M |
| Equity Capital, Most Recently Reported for the End of Previous Calendar Year (I.e., After Adjustments from Amended Reports of Income) | RIAD3217 | $108.3M |
| Total Equity Capital | RIAD3210 | $105.6M |
| Cash Dividends Declared on Common Stock | RIAD4460 | $15.3M |
| Other Comprehensive Income | RIADB511 | -$713K |
Schedule RI-B, Part I: Charge-offs and Recoveries on Loans and Leases (7 items)
About Schedule RI-B, Part I · The Citizens National Bank of Bluffton charge-offs and recoveries on loans and leases trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Recoveries on Allowance for Loan and Lease Losses | RIAD4605 | $12K |
| Loans Secured by Other Nonfarm Nonresidential Properties: Recoveries | RIADC898 | $5K |
| Other Construction Loans and All Land Development and Other Land Loans, Recoveries | RIADC894 | $4K |
| Recoveries on Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens | RIADC217 | $2K |
| Charge-offs on Allowance for Loan and Lease Losses | RIAD4635 | $1K |
| Charge-offs on Loans to Credit Cards | RIADB514 | $1K |
| Recoveries on Commercial and Industrial Loans | RIAD4608 | $1K |
Schedule RI-B, Part II: Changes in Allowances for Credit Losses (4 items)
About Schedule RI-B, Part II · The Citizens National Bank of Bluffton changes in allowances for credit losses trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Allowance for Loan and Lease Losses | RIAD3123 | $13.3M |
| Balance Most Recently Reported for the December 31, 2000, Reports of Condition and Income(i.e., After Adjustments from Amended Report of Income) | RIADB522 | $13.2M |
| Provisions for credit losses on off-balance-sheet exposures | RIADMG93 | -$63K |
| Charge-offs on Allowance for Loan and Lease Losses | RIADC079 | $1K |
Schedule RI-C: Disaggregated Data on the Allowance for Credit Losses (14 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Loans and Leases, Held for Investment, Total, Amortized Cost | RCONJJ11 | $873.6M |
| Loans and Leases, Held for Investment, Real estate loans, Commercial real estate loans, Amortized Cost | RCONJJ05 | $544.0M |
| Loans and Leases, Held for Investment, Real estate loans, Residential real estate loans, Amortized Cost | RCONJJ06 | $141.5M |
| Loans and Leases, Held for Investment, Commerical loans, Amortized Cost | RCONJJ07 | $135.8M |
| Loans and Leases, Held for Investment, Real estate loans, Construction loans, Amortized Cost | RCONJJ04 | $49.2M |
| Loans and Leases, Held for Investment, Total, Allowance Balance | RCONJJ19 | $13.3M |
| Loans and Leases, Held for Investment, Real estate loans, Commercial real estate loans, Allowance Balance | RCONJJ13 | $7.2M |
| Loans and Leases, Held for Investment, Real estate loans, Residential real estate loans, Allowance Balance | RCONJJ14 | $3.4M |
| Loans and Leases, Held for Investment, Commerical loans, Allowance Balance | RCONJJ15 | $2.2M |
| Loans and Leases, Held for Investment, Credit cards, Amortized Cost | RCONJJ08 | $1.8M |
| Loans and Leases, Held for Investment, Other consumer loans, Amortized Cost | RCONJJ09 | $1.3M |
| Loans and Leases, Held for Investment, Real estate loans, Construction loans, Allowance Balance | RCONJJ12 | $421K |
| Loans and Leases, Held for Investment, Credit cards, Allowance Balance | RCONJJ16 | $58K |
| Loans and Leases, Held for Investment, Other consumer loans, Allowance Balance | RCONJJ17 | $45K |
Schedule SU: Supplemental Information (2 items)
| 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 | $611.4M |
| Total Gross Notional Amount of All Other Derivatives Not Held for Trading | RCONFT02 | $2.3M |
The Citizens National Bank of Bluffton call reports on file
Each link opens the bank's filed report on the FFIEC Central Data Repository.
- Q2 2026 call report (quarter ended June 30, 2026)
- Q1 2026 call report (quarter ended March 31, 2026)
- Q4 2025 call report (quarter ended December 31, 2025)
- Q3 2025 call report (quarter ended September 30, 2025)
- Q2 2025 call report (quarter ended June 30, 2025)
- Q1 2025 call report (quarter ended March 31, 2025)
Where can I find the The Citizens National Bank of Bluffton call report?
The The Citizens National Bank of Bluffton call report for the quarter ended June 30, 2026 is on this page, schedule by schedule. The official PDF is on the FFIEC Central Data Repository, linked here for every quarter on file. Call reports are public: anyone can read or download them without an account.
Which call report form does The Citizens National Bank of Bluffton file?
The Citizens National Bank of Bluffton 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 The Citizens National Bank of Bluffton call report number?
A call report has no number of its own. It is filed and looked up by the bank's identifiers: The Citizens National Bank of Bluffton has Federal Reserve RSSD ID 738013 and FDIC certificate number 6531. Either one finds its filings on the FFIEC Central Data Repository.
How often does The Citizens National Bank of Bluffton file a call report?
Every quarter, as of March 31, June 30, September 30 and December 31. The report is due 30 calendar days after the quarter ends, or 35 days for a bank with more than one foreign office.
The Citizens National Bank of Bluffton 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 6531) · FFIEC NIC profile (RSSD 738013)