Bank call report · Nashville, TN
Citizens Savings Bank and Trust Company Call Report
BankRegReports is independent of Citizens Savings Bank and Trust Company and never asks for online banking logins or passwords.
Citizens Savings Bank and Trust Company filed its latest call report for the quarter ended June 30, 2026 on the FFIEC 051. Below are its 284 reported line items, schedule by schedule (758 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 | 55635 |
| FDIC certificate number | 10319 |
| Total assets | $188.1M |
Official Q2 2026 call report PDF (FFIEC) →
Citizens Savings Bank and Trust Company call report by schedule, Q2 2026
Dollar amounts are as filed, in the units the form uses. Each line item links to its definition; each schedule links to the full schedule reference for the FFIEC 051.
Schedule RC: Balance Sheet (23 items)
About Schedule RC · Citizens Savings Bank and Trust Company balance sheet trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Assets | RCON2170 | $188.1M |
| Total Liabilities, Limited-life Preferred Stock, and Equity Capital | RCON3300 | $188.1M |
| Total Liabilities and Minority Interest | RCON2948 | $170.5M |
| Loans and Leases, Net of Unearned Income - Totals | RCONB528 | $160.2M |
| Loans and Leases, Net of Unearned Income and Allowance | RCONB529 | $158.5M |
| Total Deposits | RCON2200 | $156.5M |
| Total Interest-bearing Deposits in Foreign and Domestic Offices | RCON6636 | $133.3M |
| Deposits: Noninterest-bearing | RCON6631 | $23.1M |
| Total Equity Capital | RCON3210 | $17.6M |
| Total Equity Capital Including Noncontrolling Minority Interests in Consolidated Subsidiaries | RCONG105 | $17.6M |
| Interest-bearing Balances | RCON0071 | $16.9M |
| Other Borrowed Money | RCON3190 | $13.0M |
| Surplus | RCON3839 | $13.0M |
| Available-for-sale debt securities (from Schedule RC-B, column D) | RCON1773 | $6.2M |
| Other Assets | RCON2160 | $3.5M |
| Common Stock | RCON3230 | $2.7M |
| Undivided Profits and Capital Reserves | RCON3632 | $2.1M |
| Allowance for Loan and Lease Losses | RCON3123 | $1.7M |
| Noninterest-bearing Balances and Currency and Coin | RCON0081 | $1.5M |
| Other Real Estate Owned | RCON2150 | $1.4M |
| Other Liabilities, Total | RCON2930 | $1.0M |
| Accumulated Other Comprehensive Income | RCONB530 | -$194K |
| Premises and Fixed Assets (Including Capitalized Leases) | RCON2145 | $85K |
Schedule RI: Income Statement (35 items)
About Schedule RI · Citizens Savings Bank and Trust Company income statement trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Interest Income | RIAD4107 | $5.5M |
| Interest and Fee Income on Loans, Total | RIAD4010 | $5.1M |
| Net Interest Income | RIAD4074 | $3.2M |
| Total Noninterest Expense | RIAD4093 | $3.1M |
| Interest and Fee Income on Loans Secured by 1-4 Family Residential Properties | RIAD4435 | $2.8M |
| Total Interest Expense | RIAD4073 | $2.3M |
| Interest and Fee Income on All Other Loans Secured by Real Estate | RIAD4436 | $1.7M |
| Other Noninterest Expense | RIAD4092 | $1.6M |
| Salaries and Employee Benefits | RIAD4135 | $1.3M |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of 250000 or Less | RIADHK03 | $1.2M |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of More Than 250000 | RIADHK04 | $449K |
| Savings Deposits (Including Mmdas) | RIAD0093 | $419K |
| Interest and Fee Income on Commercial and Industrial Loans | RIAD4012 | $346K |
| Income (Loss) Before Applicable Income Taxes and Discontinued Operations | RIAD4301 | $307K |
| 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 | $307K |
| Total Noninterest Income | RIAD4079 | $300K |
| Interest Income on Balances Due from Depository Institutions | RIAD4115 | $274K |
| Other Noninterest Income | RIADB497 | $210K |
| Income (Loss) Before Discontinued Operations | RIAD4300 | $206K |
| Net Income (Loss) | RIAD4340 | $206K |
| Net Income (Loss) Attributable to Bank and Noncontrolling Minority Interests | RIADG104 | $206K |
| 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 | $204K |
| Expenses of Premises and Fixed Assets | RIAD4217 | $195K |
| Interest on Transaction Accounts (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) | RIAD4508 | $121K |
| Provisions for Credit Losses on Financial Assets | RIADJJ33 | $120K |
| Provision for Loan and Lease Losses | RIAD4230 | $115K |
| Applicable Income Taxes | RIAD4302 | $101K |
| Other Interest Expense | RIADGW44 | $93K |
| Service Charges on Deposit Accounts in Domestic Offices | RIAD4080 | $77K |
| Interest and Dividend Income on Securities: U.S. Treasury Securities and U.S. Government Agency Obligations (Excluding Mortgage-backed Securities) | RIADB488 | $72K |
| Interest and Fee Income on All Other Loans in Domestic Offices | RIAD4058 | $67K |
| Interest and Dividend Income on Securities: Mortgage-backed Securities | RIADB489 | $17K |
| Other Interest Income | RIAD4518 | $14K |
| Net Gains (Losses) on Sales of Loans | RIAD5416 | $11K |
| Number of Full Time Equivalent Employees on Payroll at End of Current Period | RIAD4150 | 21 |
Schedule RC-B: Securities (14 items)
About Schedule RC-B · Citizens Savings Bank and Trust Company securities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Amortized Cost of Available-for-sale Securities | RCON1772 | $6.4M |
| Amortized Cost of Available-for-sale U.S. Treasury Securities | RCON1286 | $3.5M |
| Fair Value of Available-for-sale U.S. Treasury Securities | RCON1287 | $3.5M |
| Pledged Securities | RCON0416 | $3.3M |
| Fixed Rate and Floating Rate Debt Securities with a Remaining Maturity of One Year or Less | RCONA248 | $2.0M |
| Mortgage backed securities (MBS), Issued or guarnteed by FNMA, FHLMC, or GNMA, Available for sale, Amortized Cost | RCONHT56 | $1.9M |
| 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 | $1.7M |
| Mortgage backed securities (MBS), Issued or guarnteed by FNMA, FHLMC, or GNMA, Available for sale, Fair Value | RCONHT57 | $1.7M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONA551 | $1.5M |
| 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 | $1.5M |
| US government agency obligations (exclude mortgage-backed securities), Available for sale, Amortized Cost | RCONHT52 | $1.0M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Years Through Five Years | RCONA552 | $993K |
| US government agency obligations (exclude mortgage-backed securities), Available for sale, Fair Value | RCONHT53 | $983K |
| 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 | $496K |
Schedule RC-C, Part I: Loans and Leases (33 items)
About Schedule RC-C, Part I · Citizens Savings Bank and Trust Company loans and leases trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Loans and Leases, Net of Unearned Income | RCON2122 | $160.2M |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by First Liens | RCON5367 | $90.8M |
| 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 | $75.2M |
| Pledged Loans and Leases | RCONG378 | $46.6M |
| Loans Secured by Owner Occupied Nonfarm Nonresidential Properties | RCONF160 | $27.2M |
| 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 Five Years Through 15 Years | RCONA574 | $25.2M |
| Fixed Rate and Floating Rate Loans and Leases with a Remaining Maturity of One Year or Less | RCONA247 | $20.6M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Three Months or Less | RCONA570 | $11.2M |
| Loans Secured by Other Nonfarm Nonresidential Properties. | RCONF161 | $9.5M |
| 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 Three Months Through 12 Months | RCONA571 | $8.8M |
| 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 15 Years | RCONA575 | $8.8M |
| Commercial and Industrial Loans | RCON1766 | $8.7M |
| Loans Secured by 1-4 Family Residential Construction | RCONF158 | $8.2M |
| 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 | $7.8M |
| 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 Five Years Through 15 Years | RCONA568 | $7.4M |
| Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper): Other Revolving Credit Plans | RCONB539 | $5.3M |
| 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 Over Three Years Through Five Years | RCONA573 | $4.9M |
| Real Estate Loans Secured by Multi-family (5 or More) Residential Properties | RCON1460 | $3.8M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Years Through Five Years | RCONA567 | $2.8M |
| 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 | $2.4M |
| Total Loan Modifications to Borrowers Experiencing Financial Difficulty That Are in Compliance with Their Modified Terms | RCONHK25 | $2.4M |
| 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 One Year Through Three Years | RCONA566 | $2.4M |
| Loans to Depository Institutions | RCON1288 | $2.0M |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by Junior Liens | RCON5368 | $1.3M |
| Loans to Nondepository Financial Institutions and Other Loans: Loans to Nondepository Financial Institutions | RCONJ454 | $987K |
| 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 | $966K |
| Other Loans | RCONJ464 | $869K |
| Automobile Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper) | RCONK137 | $841K |
| 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 | $558K |
| Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit | RCON1797 | $398K |
| 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 | $345K |
| Other Consumer Loans to Individuals for Household, Family, and Other Personal Expenditures (Includes Single Payment, Installment, and All Student Loans) | RCONK207 | $302K |
| Adjustable Rate Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties | RCON5370 | $261K |
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 | $11.6M |
| 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 | $3.3M |
| 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 | $3.2M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5571 | $1.7M |
| 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 | $1.5M |
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5565 | $407K |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5570 | 43 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5568 | 26 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5566 | 18 |
| 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 | 10 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5564 | 10 |
| 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 | 4 |
Schedule RC-E: Deposit Liabilities (26 items)
About Schedule RC-E · Citizens Savings Bank and Trust Company deposit liabilities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Nontransaction Accounts (Including Mmda's) | RCON2385 | $118.7M |
| Total Nontransaction Accounts Deposits of Individuals, Partnerships, and Corporations | RCONB550 | $68.9M |
| Components of Total Nontransaction Accounts: Total Time Deposits of $100,000 Through $250,000 | RCONJ473 | $57.0M |
| Time Deposits of 250000 or Less with a Remaining Maturity of One Year or Less | RCONHK11 | $44.7M |
| Total Transaction Accounts | RCON2215 | $37.7M |
| Total Nontransaction Accounts of Commercial Banks and Other Depository Institutions in the U.S. | RCONB552 | $37.3M |
| Total Transaction Accounts - Deposits of Individuals, Partnerships, and Corporation | RCONB549 | $36.4M |
| 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 Over Three Months Through 12 Months | RCONHK08 | $33.1M |
| Money Market Deposit Accounts (Mmda's) | RCON6810 | $29.5M |
| Components of Total Nontransaction Accounts: Total Time Deposits of More Than $250,000 | RCONJ474 | $27.1M |
| Total Demand Deposits (See Note Below) | RCON2210 | $22.9M |
| Estimated Amount of Deposits Obtained Through the Use of Deposit Listing Services That Are Not Brokered Deposits | RCONK223 | $21.5M |
| Total reciprocal deposits | RCONJH83 | $21.1M |
| Time Deposits of More Than $250,000 with a Remaining Maturity of One or Year Less | RCONK222 | $17.0M |
| Total Nontransaction Accounts of States and Political Subdivisions in the U.S. | RCON2530 | $12.5M |
| 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 One Year Through Three Years | RCONHK09 | $12.3M |
| 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 Three Months or Less | RCONHK07 | $11.6M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONHK13 | $11.3M |
| 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 | $5.7M |
| 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 Three Years | RCONHK15 | $5.5M |
| Other Nontransaction Savings Deposits (Excludes Mmda's) | RCON0352 | $4.6M |
| 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 | $4.6M |
| Total Transaction Accounts - Deposits of States and Political Subdivisions in the U.S. | RCON2203 | $1.0M |
| Total Time Deposits of Less Than $100,000 | RCON6648 | $543K |
| 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 | $449K |
| Total Transaction Accounts - Deposits of Commercial Banks and Other Depository Institutions in the U.S. | RCONB551 | $300K |
Schedule RC-F: Other Assets (5 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Other Assets | RCON2168 | $1.6M |
| Accrued Interest Receivable | RCONB556 | $742K |
| Historical Cost of All Other Available-for-sale Equity Securities | RCON1752 | $732K |
| Prepaid Expenses | RCON2166 | $563K |
| Net Deferred Tax Assets | RCON2148 | $389K |
Schedule RC-G: Other Liabilities (4 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Other Expenses Accrued and Unpaid | RCON3646 | $671K |
| Interest Accrued and Unpaid on Deposits (in Domestic Offices) | RCON3645 | $230K |
| All Other Liabilities | RCON2938 | $113K |
| Allowance for Credit Losses on Off-balance Sheet Credit Exposures | RCONB557 | $5K |
Schedule RC-K: Quarterly Averages (14 items)
About Schedule RC-K · Citizens Savings Bank and Trust Company quarterly averages trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Quarterly Average of Total Assets | RCON3368 | $185.9M |
| Quarterly Average of Total Loans | RCON3360 | $157.1M |
| Quarterly Average of Loans Secured by 1-4 Family Residential Properties | RCON3465 | $84.8M |
| Liabilities, Nontransaction Accounts, Time Deposits of 250000 or Less | RCONHK16 | $62.3M |
| Quarterly Average of All Other Loans Secured by Real Estate | RCON3466 | $52.1M |
| Nontransaction Accounts in Domestic Offices: Savings Deposits | RCONB563 | $33.8M |
| Liabilities, Nontransaction Accounts, Time Deposits of More Than 250000 | RCONHK17 | $26.3M |
| Quarterly Average of Interest-bearing Balances Due from Depository Institutions | RCON3381 | $16.4M |
| Transaction Accounts (in Domestic Offices) (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) - Quarterly Average | RCON3485 | $15.2M |
| Quarterly Average of Commercial and Industrial Loans | RCON3387 | $7.9M |
| Quarterly Average of Other Borrowed Money | RCON3355 | $6.9M |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Other | RCONB562 | $6.4M |
| U.S. Treasury Securities and U.S. Government Agency Obligations (Excluding Mortgage-backed Securities) | RCONB558 | $5.0M |
| Mortgage-backed Securities | RCONB559 | $2.0M |
Schedule RC-L: Derivatives and Off-Balance-Sheet Items (5 items)
About Schedule RC-L · Citizens Savings Bank and Trust Company derivatives and off-balance-sheet items trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Commercial Real Estate, Other Construction Loan and Land Development Loan Commitments | RCONF165 | $1.0M |
| 1-4 Family Residential Construction Loan Commitments | RCONF164 | $691K |
| Other Unused Commitments: Commercial and Industrial Loans | RCONJ457 | $596K |
| Other Unused Commitments: All Other Unused Commitments | RCONJ459 | $455K |
| Unused Commitments - Revolving, Open-end Lines Secured by 1-4 Family Residential Properties | RCON3814 | $317K |
Schedule RC-M: Memoranda (5 items)
About Schedule RC-M · Citizens Savings Bank and Trust Company memoranda trends
| Line item | Code | Q2 2026 |
|---|---|---|
| FHLB Advances (Loans) Due in One Year or Less | RCON2651 | $13.0M |
| FHLB Advances: Advances with a Remaining Maturity or Next Repricing Date of One Year or Less | RCONF055 | $13.0M |
| Aggregate Amount of All Extensions of Credit to All Executive Officers, Directors, Principal Shareholders, and Their Related Interests | RCON6164 | $1.8M |
| All Other Real Estate Owned: Construction and Land Development in Domestic Offices | RCON5508 | $1.4M |
| Number of Executive Officers, Directors, and Principal Shareholders to Whom the Amount of All Extensions of Credit by the Reporting Bank (Including Extensions of Credit to Related Interests) Equals or Exceeds the Lesser of $500,000 or 5 Percent of Total Capital as Defined for This Purpose in Agency Regulations | RCON6165 | 1 |
Schedule RC-N: Past Due and Nonaccrual Loans, Leases, and Other Assets (12 items)
About Schedule RC-N · Citizens Savings Bank and Trust Company past due and nonaccrual loans, leases, and other assets trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Loans and Lease Finance Receivables: Nonaccrual | RCON1403 | $4.4M |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens-nonaccural | RCONC229 | $1.6M |
| Loans Secured by Other Nonfarm Nonresidential Properties, Nonaccrual | RCONF183 | $1.1M |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by Junior Liens-nonaccural | RCONC230 | $807K |
| Loan Modifications to Borrowers Experiencing Financial Difficulty Secured by 1-4 Residential Properties (in Domestic Offices) - Nonaccrual | RCONF663 | $501K |
| 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 | $501K |
| Loans Secured by Owner-occupied Nonfarm Nonresidential Properties, Nonaccrual | RCONF182 | $479K |
| Commercial and Industrial Loans - Nonaccrual | RCON1608 | $339K |
| Total Loans and Lease Financing Receivables: Past Due 30-89 Days and Still Accruing | RCON1406 | $140K |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens-past Due 30 Thru 89 Days and Still Accruing | RCONC236 | $100K |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Other - Past Due 30 Through 89 Days and Still Accruing | RCONK216 | $40K |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Other - Nonaccrual | RCONK218 | $21K |
Schedule RC-O: Other Data for Deposit Insurance Assessments (10 items)
About Schedule RC-O · Citizens Savings Bank and Trust Company other data for deposit insurance assessments trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average Consolidated Total Assets for the Calendar Quarter | RCONK652 | $185.9M |
| Total Deposit Liabilities as Defined in Section 3(1) of the Federal Deposit Insurance Act Before Exclusions | RCONF236 | $156.7M |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of $250,000 or Less | RCONF049 | $83.6M |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF051 | $73.1M |
| Average Tangible Equity for the Calendar Quarter | RCONK654 | $17.7M |
| Amount of Retirement Deposits Accounts of $250,000 or Less | RCONF045 | $48K |
| Number of Deposit Accounts (Excluding Retirement Accounts)of $250,000 or Less | RCONF050 | 2,632 |
| Number of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF052 | 112 |
| Number of Retirement Deposit Accounts of $250,000 or Less | RCONF046 | 5 |
| Averaging Method Used | RCONK653 | 1 |
Schedule RC-R: Regulatory Capital (2 items)
About Schedule RC-R · Citizens Savings Bank and Trust Company regulatory capital trends
Schedule RC-R, Part I: Regulatory Capital Components and Ratios (21 items)
About Schedule RC-R, Part I · Citizens Savings Bank and Trust Company regulatory capital components and ratios trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average Total Assets (Net of Deductions) | RCOAA224 | $185.9M |
| Average total consolidated assets | RCOAKW03 | $185.9M |
| Risk-weighted Assets (Net of Allowances and Other Deductions) | RCOAA223 | $123.5M |
| Total Qualifying Capital Allowable Under the Risk-based Capital Guidelines | RCOA3792 | $19.3M |
| Common Equity Tier 1 Capital | RCOAP859 | $17.8M |
| Subtotal of Common Equity Tier 1 Capital: Adjustments and Deductions | RCOAP852 | $17.8M |
| Tier 1 Capital Allowable Under the Risk-based Capital Guidelines | RCOA8274 | $17.8M |
| Common Equity Tier 1 Capital Before Adjustments and Deductions | RCOAP840 | $17.6M |
| Common Equity Tier 1 Capital: Common Stock Plus Related Surplus, Net of Treasury Stock and Unearned Employee Stock Ownership Plan (ESOP) Shares | RCOAP742 | $15.7M |
| Retained Earnings | RCOAKW00 | $2.1M |
| General Loan and Lease Valuation Allowances | RCOA5310 | $1.5M |
| Tier 2 (Supplementary) Capital | RCOA5311 | $1.5M |
| Tier 2 Capital Before Deductions | RCOAP870 | $1.5M |
| Accumulated Other Comprehensive Income | RCOAB530 | -$195K |
| 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 | -$195K |
| A. AOCI Opt-out Election (Enter '1' for Yes, Enter '0' for No.) | RCOAP838 | 1 |
| Total Risk-based Capital Ratio | RCOA7205 | 0.1565 |
| Common Equity Tier 1 Capital Ratio | RCOAP793 | 0.144 |
| Tier 1 Risk-based Capital Ratio | RCOA7206 | 0.144 |
| Tier 1 Leverage Capital Ratio | RCOA7204 | 0.0956 |
| Institution-specific Capital Buffer Necessary to Avoid Limitations on Distributions and Discretionary Bonus Payments: Capital Conservation Buffer | RCOAH311 | 0.0765 |
Schedule RC-R, Part II: Risk-Weighted Assets (46 items)
About Schedule RC-R, Part II · Citizens Savings Bank and Trust Company 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 | $123.6M |
| Total Risk-weighted Assets | RCONG641 | $123.5M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 50 Pct Risk Weight Category | RCONG632 | $89.9M |
| Total Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures | RCONS439 | $89.6M |
| Total Balance Sheet Assets - 50 Pct Risk Weight Category | RCOND989 | $89.6M |
| Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures - 50 Pct Risk Weight Category | RCONS442 | $89.2M |
| Risk-weighted Assets by Risk-weighted Category - 100 Pct Risk Weight Category | RCONG637 | $72.2M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 100 Pct Risk Weight Category | RCONG633 | $72.2M |
| Total Balance Sheet Assets - 100 Pct Risk Weight Category | RCOND990 | $71.0M |
| Total Loans and Leases, Net of Unearned Income, All Other Exposures | RCONS457 | $66.2M |
| Loans and Leases, Net of Unearned Income, All Other Exposures - 100 Pct Risk Weight Category | RCONS462 | $65.9M |
| Risk-weighted Assets by Risk-weighted Category - 50 Pct Risk Weight Category | RCONG636 | $45.0M |
| Total Cash and Balances Due from Depository Institutions | RCOND957 | $18.4M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 0 Pct Risk Weight Category | RCONG630 | $14.8M |
| Total Balance Sheet Assets - 0 Pct Risk Weight Category | RCOND987 | $14.8M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 20 Pct Risk Weight Category | RCONG631 | $11.8M |
| Total Balance Sheet Assets - 20 Pct Risk Weight Category | RCOND988 | $11.8M |
| Cash and Balances Due from Depository Institutions - 0 Pct Risk Weight Category | RCOND958 | $11.0M |
| Cash and Balances Due from Depository Institutions - 20 Pct Risk Weight Category | RCOND959 | $7.4M |
| Available-for-sale debt securities and equity securities with readily determinable fair values not held for trading purposes, Total Fair Value | RCONJA21 | $6.2M |
| Total All Other Assets | RCOND981 | $4.9M |
| Total Loans and Leases, Net of Unearned Income, Exposures Past Due 90 Days or More or on Nonaccrual | RCONS449 | $4.4M |
| Risk-weighted Assets by Risk-weighted Category - 150 Pct Risk Weight Category | RCONS572 | $4.1M |
| Available-for-sale Securities - 0 Pct Risk Weight Category | RCOND967 | $3.5M |
| All Other Assets - 100 Pct Risk Weight Category | RCOND985 | $3.1M |
| Available-for-sale Securities - 20 Pct Risk Weight Category | RCOND968 | $2.9M |
| Unused Commitments, Original Maturity Exceeding One Year - Face, Notional, or Other Amount | RCONG624 | $2.8M |
| Loans and Leases, Net of Unearned Income, Exposures Past Due 90 Days or More or on Nonaccrual - 150 Pct Risk Weight Category | RCONS455 | $2.8M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 150 Pct Risk Weight Category | RCONS561 | $2.8M |
| Total Balance Sheet Assets - 150 Pct Risk Weight Category | RCONS503 | $2.8M |
| Risk-weighted Assets by Risk-weighted Category - 20 Pct Risk Weight Category | RCONG635 | $2.4M |
| Total Balance Sheet Assets - Adjustments to Total Reported in Column a | RCONS500 | -$1.9M |
| Loans and Leases, Net of Unearned Income, Exposures Past Due 90 Days or More or on Nonaccrual - 100 Pct Risk Weight Category | RCONS454 | $1.6M |
| All Other Assets - 20 Pct Risk Weight Category | RCOND983 | $1.4M |
| Unused Commitments, Original Maturity Exceeding One Year - Credit Equivalent Amount | RCONG625 | $1.4M |
| Unused Commitments, Original Maturity Exceeding One Year - 100 Pct Risk Weight Category | RCONG629 | $1.2M |
| Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures - 100 Pct Risk Weight Category | RCONS443 | $398K |
| All Other Assets - 50 Pct Risk Weight Category | RCOND984 | $377K |
| Loans and Leases, Net of Unearned Income, All Other Exposures - 0 Pct Risk Weight Category | RCONS459 | $302K |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, Face, Notional or Other Amount | RCONS525 | $262K |
| Unused Commitments, Original Maturity Exceeding One Year - 50 Pct Risk Weight Category | RCONG628 | $255K |
| Available-for-sale Securities - Adjustment to Totals Reported in Column a | RCONS402 | -$247K |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, Credit Equivalent Amount | RCONS526 | $52K |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, 50% | RCONS529 | $32K |
| All Other Assets - 0 Pct Risk Weight Category | RCOND982 | $27K |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, 100% | RCONS530 | $21K |
Schedule RC-T: Fiduciary and Related Services (1 item)
| Line item | Code | Q2 2026 |
|---|---|---|
| Income from Fiduciary Activities | RIAD4070 | $2K |
Schedule RI-A: Changes in Bank Equity Capital (4 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Equity Capital | RIAD3210 | $17.6M |
| Balance End of Previous Calendar Year as Restated | RIADB508 | $17.4M |
| Equity Capital, Most Recently Reported for the End of Previous Calendar Year (I.e., After Adjustments from Amended Reports of Income) | RIAD3217 | $17.4M |
| Other Comprehensive Income | RIADB511 | -$21K |
Schedule RI-B, Part I: Charge-offs and Recoveries on Loans and Leases (8 items)
About Schedule RI-B, Part I · Citizens Savings Bank and Trust Company charge-offs and recoveries on loans and leases trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Charge-offs on Allowance for Loan and Lease Losses | RIAD4635 | $219K |
| Charge-offs on All Other Loans | RIAD4644 | $167K |
| Recoveries on Allowance for Loan and Lease Losses | RIAD4605 | $57K |
| Charge-offs on Commercial and Industrial Loans | RIAD4638 | $42K |
| Recoveries on Commercial and Industrial Loans | RIAD4608 | $32K |
| Recoveries on Automobile Loans | RIADK133 | $14K |
| Recoveries on All Other Loans | RIAD4628 | $11K |
| Charge-offs on Automobile Loans | RIADK129 | $10K |
Schedule RI-B, Part II: Changes in Allowances for Credit Losses (4 items)
About Schedule RI-B, Part II · Citizens Savings Bank and Trust Company 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 | $1.7M |
| Allowance for Loan and Lease Losses | RIAD3123 | $1.7M |
| Charge-offs on Allowance for Loan and Lease Losses | RIADC079 | $219K |
| Provisions for credit losses on off-balance-sheet exposures | RIADMG93 | $5K |
Citizens Savings Bank and Trust Company call reports on file
Each link opens the bank's filed report on the FFIEC Central Data Repository.
- Q2 2026 call report (quarter ended June 30, 2026)
- Q1 2026 call report (quarter ended March 31, 2026)
- Q4 2025 call report (quarter ended December 31, 2025)
- Q3 2025 call report (quarter ended September 30, 2025)
- Q2 2025 call report (quarter ended June 30, 2025)
- Q1 2025 call report (quarter ended March 31, 2025)
Where can I find the Citizens Savings Bank and Trust Company call report?
The Citizens Savings Bank and Trust Company call report for the quarter ended June 30, 2026 is on this page, schedule by schedule. The official PDF is on the FFIEC Central Data Repository, linked here for every quarter on file. Call reports are public: anyone can read or download them without an account.
Which call report form does Citizens Savings Bank and Trust Company file?
Citizens Savings Bank and Trust Company files the FFIEC 051. The FFIEC 031 is for banks with foreign offices, the FFIEC 041 for banks with domestic offices only, and the FFIEC 051 is the streamlined form most domestic banks under $5 billion in total assets may file.
What is the Citizens Savings Bank and Trust Company call report number?
A call report has no number of its own. It is filed and looked up by the bank's identifiers: Citizens Savings Bank and Trust Company has Federal Reserve RSSD ID 55635 and FDIC certificate number 10319. Either one finds its filings on the FFIEC Central Data Repository.
How often does Citizens Savings Bank and Trust Company file a call report?
Every quarter, as of March 31, June 30, September 30 and December 31. The report is due 30 calendar days after the quarter ends, or 35 days for a bank with more than one foreign office.
Citizens Savings Bank and Trust Company financial reports and ratios →
New to call reports? What a call report is, every call report code explained, and how the UBPR turns it into ratios.
Regulator records: FDIC BankFind (cert 10319) · FFIEC NIC profile (RSSD 55635)