Bank call report · Royal Oak, MI
Citizens State Bank Call Report
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Citizens State Bank filed its latest call report for the quarter ended June 30, 2026 on the FFIEC 051. Below are its 252 reported line items, schedule by schedule (442 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 | 356752 |
| FDIC certificate number | 8183 |
| Total assets | $581.0M |
Official Q2 2026 call report PDF (FFIEC) →
Citizens State Bank call report by schedule, Q2 2026
Dollar amounts are as filed, in the units the form uses. Each line item links to its definition; each schedule links to the full schedule reference for the FFIEC 051.
Schedule RC: Balance Sheet (23 items)
About Schedule RC · Citizens State Bank balance sheet trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Assets | RCON2170 | $581.0M |
| Total Liabilities, Limited-life Preferred Stock, and Equity Capital | RCON3300 | $581.0M |
| Total Liabilities and Minority Interest | RCON2948 | $533.0M |
| Total Deposits | RCON2200 | $530.5M |
| Loans and Leases, Net of Unearned Income - Totals | RCONB528 | $455.3M |
| Loans and Leases, Net of Unearned Income and Allowance | RCONB529 | $450.2M |
| Total Interest-bearing Deposits in Foreign and Domestic Offices | RCON6636 | $375.9M |
| Deposits: Noninterest-bearing | RCON6631 | $154.6M |
| Available-for-sale debt securities (from Schedule RC-B, column D) | RCON1773 | $53.4M |
| Total Equity Capital | RCON3210 | $48.0M |
| Total Equity Capital Including Noncontrolling Minority Interests in Consolidated Subsidiaries | RCONG105 | $48.0M |
| Surplus | RCON3839 | $43.8M |
| Noninterest-bearing Balances and Currency and Coin | RCON0081 | $28.7M |
| Interest-bearing Balances | RCON0071 | $27.5M |
| Premises and Fixed Assets (Including Capitalized Leases) | RCON2145 | $9.4M |
| Other Assets | RCON2160 | $8.7M |
| Allowance for Loan and Lease Losses | RCON3123 | $5.1M |
| Undivided Profits and Capital Reserves | RCON3632 | $5.0M |
| Federal Funds Sold | RCONB987 | $2.9M |
| Other Liabilities, Total | RCON2930 | $2.5M |
| Accumulated Other Comprehensive Income | RCONB530 | -$1.1M |
| Common Stock | RCON3230 | $350K |
| Loans and Leases Held for Sale | RCON5369 | $225K |
Schedule RI: Income Statement (38 items)
About Schedule RI · Citizens State Bank income statement trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Interest Income | RIAD4107 | $18.0M |
| Interest and Fee Income on Loans, Total | RIAD4010 | $15.4M |
| Net Interest Income | RIAD4074 | $12.2M |
| Interest and Fee Income on All Other Loans Secured by Real Estate | RIAD4436 | $10.8M |
| Income (Loss) Before Applicable Income Taxes and Discontinued Operations | RIAD4301 | $6.3M |
| 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 | $6.3M |
| Total Interest Expense | RIAD4073 | $5.9M |
| Total Noninterest Expense | RIAD4093 | $5.8M |
| Income (Loss) Before Discontinued Operations | RIAD4300 | $5.0M |
| Net Income (Loss) | RIAD4340 | $5.0M |
| Net Income (Loss) Attributable to Bank and Noncontrolling Minority Interests | RIADG104 | $5.0M |
| Salaries and Employee Benefits | RIAD4135 | $3.5M |
| Savings Deposits (Including Mmdas) | RIAD0093 | $3.5M |
| Interest and Fee Income on Loans Secured by 1-4 Family Residential Properties | RIAD4435 | $3.1M |
| Interest on Other Securities | RIAD4060 | $2.0M |
| Other Noninterest Expense | RIAD4092 | $1.9M |
| Provisions for Credit Losses on Financial Assets | RIADJJ33 | $1.8M |
| Total Noninterest Income | RIAD4079 | $1.7M |
| Service Charges on Deposit Accounts in Domestic Offices | RIAD4080 | $1.5M |
| Interest on Transaction Accounts (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) | RIAD4508 | $1.3M |
| Interest and Fee Income on Commercial and Industrial Loans | RIAD4012 | $1.3M |
| Applicable Income Taxes | RIAD4302 | $1.3M |
| Provision for Loan and Lease Losses | RIAD4230 | $1.2M |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of 250000 or Less | RIADHK03 | $787K |
| Interest Income on Balances Due from Depository Institutions | RIAD4115 | $442K |
| Expenses of Premises and Fixed Assets | RIAD4217 | $383K |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of More Than 250000 | RIADHK04 | $237K |
| Other Noninterest Income | RIADB497 | $132K |
| Interest Income on Federal Funds Sold and Securities Purchased Under Agreements to Resell | RIAD4020 | $111K |
| 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 | $110K |
| Net Gains (Losses) on Sales of Loans | RIAD5416 | $97K |
| Realized Gains (Losses) on Available-for-sale Debt Securities | RIAD3196 | $49K |
| Other Interest Income | RIAD4518 | $48K |
| Interest and Dividend Income on Securities: Mortgage-backed Securities | RIADB489 | $31K |
| Net Servicing Fees | RIADB492 | $10K |
| Expense of Federal Funds Purchased and Securities Sold Under Agreements to Repurchase | RIAD4180 | $9K |
| Loans to Individuals for Households, Family, and Other Personal Expenditures: Credit Cards | RIADB485 | $2K |
| Number of Full Time Equivalent Employees on Payroll at End of Current Period | RIAD4150 | 55 |
Schedule RC-B: Securities (18 items)
About Schedule RC-B · Citizens State Bank securities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Mortgage-backed Securities (MBS): Residential Pass-through Securities: Other Pass-through Securities: Available-for-sale Amortized Cost | RCONG310 | $1.4M |
| Mortgage-backed Securities (MBS): Residential Pass-through Securities: Other Pass-through Securities: Available-for-sale Fair Value | RCONG311 | $1.4M |
| 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 | $46K |
| 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 | $43K |
| Total Amortized Cost of Available-for-sale Securities | RCON1772 | $58.0M |
| Amortized Cost of Other Available-for-sale Domestic Debt Securities | RCON1739 | $56.5M |
| Fair Value of Other Available-for-sale Domestic Debt Securities | RCON1741 | $52.0M |
| 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 One Year Through Three Years | RCONA551 | $18.4M |
| Fixed Rate and Floating Rate Debt Securities with a Remaining Maturity of One Year or Less | RCONA248 | $15.6M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Three Months of Less | RCONA549 | $12.5M |
| 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 | $10.5M |
| 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 Years Through Five Years | RCONA552 | $5.6M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing of Over Ffteen Years | RCONA554 | $2.6M |
| Pledged Securities | RCON0416 | $1.4M |
| 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 | $1.2M |
| 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 Three Years Through Five Years | RCONA558 | $220K |
| 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 | $123K |
| OTHER MORTGAGE-BACKED SECURITIES (INCLUDE CMOs, REMICs, AND STRIPPED MBS) WITH AN EXPECTED AVERAGE LIFE OF THREE YEARS OR LESS | RCONA561 | $43K |
Schedule RC-C, Part I: Loans and Leases (33 items)
About Schedule RC-C, Part I · Citizens State Bank loans and leases trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Loans and Leases, Net of Unearned Income | RCON2122 | $455.5M |
| Loans Secured by Owner Occupied Nonfarm Nonresidential Properties | RCONF160 | $147.4M |
| 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 Three Years Through Five Years | RCONA573 | $143.3M |
| 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 | $130.6M |
| Loans Secured by Other Nonfarm Nonresidential Properties. | RCONF161 | $101.9M |
| 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 One Year Through Three Years | RCONA572 | $78.8M |
| Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit | RCON1797 | $55.8M |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by First Liens | RCON5367 | $54.1M |
| Fixed Rate and Floating Rate Loans and Leases with a Remaining Maturity of One Year or Less | RCONA247 | $47.1M |
| Commercial and Industrial Loans | RCON1766 | $44.2M |
| 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 | $41.5M |
| Pledged Loans and Leases | RCONG378 | $39.4M |
| Adjustable Rate Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties | RCON5370 | $29.2M |
| Loans Secured by 1-4 Family Residential Construction | RCONF158 | $22.4M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Years Through Five Years | RCONA567 | $20.5M |
| 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 Five Years Through 15 Years | RCONA568 | $15.6M |
| Loans Secured by Other Construction Loans and All Land Development and Other Land Loans | RCONF159 | $14.9M |
| 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 Months Through 12 Months | RCONA571 | $7.0M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over 15 Years | RCONA569 | $6.7M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over One Year Through Three Years | RCONA566 | $5.4M |
| 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 | $4.8M |
| Real Estate Loans Secured by Farmland | RCON1420 | $4.4M |
| Real Estate Loans Secured by Multi-family (5 or More) Residential Properties | RCON1460 | $3.8M |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by Junior Liens | RCON5368 | $2.5M |
| Automobile Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper) | RCONK137 | $1.8M |
| Other Consumer Loans to Individuals for Household, Family, and Other Personal Expenditures (Includes Single Payment, Installment, and All Student Loans) | RCONK207 | $1.6M |
| Total Loan Modifications to Borrowers Experiencing Financial Difficulty That Are in Compliance with Their Modified Terms | RCONHK25 | $791K |
| Loan Modifications to Borrowers Experiencing Financial Difficulty - Construction, Land Development, and Other Land Loans: 1 - 4 Family Residential Construction Loans | RCONK158 | $695K |
| Other Loans | RCONJ464 | $620K |
| 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 | $537K |
| 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 | $170K |
| 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 | $96K |
| Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper): Credit Cards | RCONB538 | $53K |
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 | $50.2M |
| 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 | $10.9M |
| 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 | $2.8M |
| 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 | $2.7M |
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5565 | $1.2M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5571 | $794K |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5568 | 91 |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5574 | 32 |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5572 | 26 |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5570 | 24 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5564 | 21 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5566 | 20 |
Schedule RC-E: Deposit Liabilities (29 items)
About Schedule RC-E · Citizens State Bank deposit liabilities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Nontransaction Accounts (Including Mmda's) | RCON2385 | $268.3M |
| Total Transaction Accounts | RCON2215 | $262.1M |
| Total Demand Deposits (See Note Below) | RCON2210 | $261.7M |
| Total Transaction Accounts - Deposits of Individuals, Partnerships, and Corporation | RCONB549 | $235.1M |
| Total Nontransaction Accounts Deposits of Individuals, Partnerships, and Corporations | RCONB550 | $223.3M |
| Money Market Deposit Accounts (Mmda's) | RCON6810 | $182.9M |
| Total reciprocal deposits | RCONJH83 | $106.6M |
| Sweep deposits: Fully insured, non-affiliate sweep deposits | RCONMT91 | $54.5M |
| Total sweep deposits that are not brokered deposits | RCONMT95 | $54.5M |
| Total Nontransaction Accounts of States and Political Subdivisions in the U.S. | RCON2530 | $45.0M |
| Time Deposits of 250000 or Less with a Remaining Maturity of One Year or Less | RCONHK11 | $37.6M |
| Components of Total Nontransaction Accounts: Total Time Deposits of $100,000 Through $250,000 | RCONJ473 | $35.7M |
| Other Nontransaction Savings Deposits (Excludes Mmda's) | RCON0352 | $32.3M |
| 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 | $22.9M |
| Total Transaction Accounts - Deposits of States and Political Subdivisions in the U.S. | RCON2203 | $21.5M |
| Estimated Amount of Deposits Obtained Through the Use of Deposit Listing Services That Are Not Brokered Deposits | RCONK223 | $20.2M |
| 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 | $14.7M |
| Components of Total Nontransaction Accounts: Total Time Deposits of More Than $250,000 | RCONJ474 | $12.7M |
| Time Deposits of More Than $250,000 with a Remaining Maturity of One or Year Less | RCONK222 | $11.3M |
| Total Brokered Deposits | RCON2365 | $10.7M |
| 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 Months Through 12 Months | RCONHK13 | $9.9M |
| Total Transaction Accounts - Deposits of Commercial Banks and Other Depository Institutions in the U.S. | RCONB551 | $5.5M |
| Total Time Deposits of Less Than $100,000 | RCON6648 | $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 | $2.8M |
| All Time and Savings Deposits Held in IRA and Keogh Plan Accounts | RCON6835 | $2.0M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONHK12 | $1.4M |
| 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 | $1.3M |
| Individual Retirement Accounts (Iras) and Keogh Plan Accounts Included in Memorandum Item 2.C, 'Total Time Deposits of $100,000 or More,' Above | RCONF233 | $823K |
| 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 | $76K |
Schedule RC-F: Other Assets (6 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Accrued Interest Receivable | RCONB556 | $2.3M |
| Life Insurance Assets: General Account Life Insurance Assets | RCONK201 | $2.1M |
| Historical Cost of All Other Available-for-sale Equity Securities | RCON1752 | $1.9M |
| Other Assets | RCON2168 | $1.5M |
| Net Deferred Tax Assets | RCON2148 | $975K |
| Prepaid Expenses | RCON2166 | $385K |
Schedule RC-G: Other Liabilities (6 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Other Expenses Accrued and Unpaid | RCON3646 | $905K |
| All Other Liabilities | RCON2938 | $801K |
| Operating lease liabilities | RCONLB56 | $721K |
| Allowance for Credit Losses on Off-balance Sheet Credit Exposures | RCONB557 | $471K |
| Interest Accrued and Unpaid on Deposits (in Domestic Offices) | RCON3645 | $333K |
| Accounts Payable | RCON3066 | $57K |
Schedule RC-K: Quarterly Averages (16 items)
About Schedule RC-K · Citizens State Bank quarterly averages trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Quarterly Average of Total Assets | RCON3368 | $572.8M |
| Quarterly Average of Total Loans | RCON3360 | $440.7M |
| Quarterly Average of All Other Loans Secured by Real Estate | RCON3466 | $287.9M |
| Nontransaction Accounts in Domestic Offices: Savings Deposits | RCONB563 | $228.3M |
| Transaction Accounts (in Domestic Offices) (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) - Quarterly Average | RCON3485 | $106.6M |
| Quarterly Average of Loans Secured by 1-4 Family Residential Properties | RCON3465 | $105.8M |
| All Other Securities | RCONB560 | $55.1M |
| Quarterly Average of Commercial and Industrial Loans | RCON3387 | $44.0M |
| Liabilities, Nontransaction Accounts, Time Deposits of 250000 or Less | RCONHK16 | $38.7M |
| Quarterly Average of Interest-bearing Balances Due from Depository Institutions | RCON3381 | $32.2M |
| Liabilities, Nontransaction Accounts, Time Deposits of More Than 250000 | RCONHK17 | $12.7M |
| Quarterly Average of Federal Funds Sold and Securities Purchased Under Agreements to Resell | RCON3365 | $7.8M |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Other | RCONB562 | $3.0M |
| Mortgage-backed Securities | RCONB559 | $1.5M |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Credit Cards | RCONB561 | $51K |
| Quarterly Average of Federal Funds Purchased and Securities Sold Under Agreements to Repurchase | RCON3353 | $25K |
Schedule RC-L: Derivatives and Off-Balance-Sheet Items (9 items)
About Schedule RC-L · Citizens State Bank derivatives and off-balance-sheet items trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Commercial Real Estate, Other Construction Loan and Land Development Loan Commitments | RCONF165 | $32.4M |
| Unused Commitments - Revolving, Open-end Lines Secured by 1-4 Family Residential Properties | RCON3814 | $22.4M |
| 1-4 Family Residential Construction Loan Commitments | RCONF164 | $21.1M |
| Other Unused Commitments: Commercial and Industrial Loans | RCONJ457 | $12.1M |
| All Other Off-balance Sheet Liabilities | RCON3430 | $2.5M |
| Standby Letters of Credit Issued by a Federal Home Loan Bank on the Bank's Behalf | RCONC978 | $2.5M |
| Unused Commitments - Credit Card Lines | RCON3815 | $718K |
| Performance Standby Letters of Credit | RCON3821 | $150K |
| Other Unused Commitments: All Other Unused Commitments | RCONJ459 | $85K |
Schedule RC-M: Memoranda (2 items)
About Schedule RC-M · Citizens State Bank memoranda trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Aggregate Amount of All Extensions of Credit to All Executive Officers, Directors, Principal Shareholders, and Their Related Interests | RCON6164 | $10.7M |
| 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 | 3 |
Schedule RC-N: Past Due and Nonaccrual Loans, Leases, and Other Assets (11 items)
About Schedule RC-N · Citizens State Bank past due and nonaccrual loans, leases, and other assets trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Debt Securities and Other Assets - Nonaccrual | RCON3507 | $2.2M |
| Total Loans and Lease Finance Receivables: Nonaccrual | RCON1403 | $826K |
| Additions to Nonaccrual Assets | RCONC410 | $676K |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens-nonaccural | RCONC229 | $676K |
| Total Loans and Lease Financing Receivables: Past Due 30-89 Days and Still Accruing | RCON1406 | $277K |
| 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 | $242K |
| Commercial and Industrial Loans - Nonaccrual | RCON1608 | $150K |
| Loan Modifications to Borrowers Experiencing Financial Difficulty: Commercial and Industrial Loans - Nonaccrual | RCONK259 | $150K |
| 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 | $150K |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens-past Due 30 Thru 89 Days and Still Accruing | RCONC236 | $23K |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Automobile Loans - Past Due 30 Through 89 Days and Still Accruing | RCONK213 | $12K |
Schedule RC-O: Other Data for Deposit Insurance Assessments (12 items)
About Schedule RC-O · Citizens State Bank other data for deposit insurance assessments trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average Consolidated Total Assets for the Calendar Quarter | RCONK652 | $574.4M |
| Total Deposit Liabilities as Defined in Section 3(1) of the Federal Deposit Insurance Act Before Exclusions | RCONF236 | $530.8M |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF051 | $284.7M |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of $250,000 or Less | RCONF049 | $244.1M |
| Average Tangible Equity for the Calendar Quarter | RCONK654 | $48.3M |
| Amount of Retirement Deposits Accounts of $250,000 or Less | RCONF045 | $1.7M |
| Amount of Retirement Deposit Accounts of More Than $250,000 | RCONF047 | $254K |
| Number of Deposit Accounts (Excluding Retirement Accounts)of $250,000 or Less | RCONF050 | 8,212 |
| Number of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF052 | 323 |
| Number of Retirement Deposit Accounts of $250,000 or Less | RCONF046 | 72 |
| Averaging Method Used | RCONK653 | 1 |
| Number of Retirement Deposit Accounts of More Than $250,000 | RCONF048 | 1 |
Schedule RC-R, Part I: Regulatory Capital Components and Ratios (19 items)
About Schedule RC-R, Part I · Citizens State Bank regulatory capital components and ratios trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Assets | RCOA2170 | $581.0M |
| Average Total Assets (Net of Deductions) | RCOAA224 | $572.8M |
| Average total consolidated assets | RCOAKW03 | $572.8M |
| 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 | $63.3M |
| Off-balance sheet exposures: Unused portion of conditionally cancellable commitments | RCOAKX79 | $63.1M |
| Common Equity Tier 1 Capital | RCOAP859 | $49.2M |
| Subtotal of Common Equity Tier 1 Capital: Adjustments and Deductions | RCOAP852 | $49.2M |
| Tier 1 Capital Allowable Under the Risk-based Capital Guidelines | RCOA8274 | $49.2M |
| Common Equity Tier 1 Capital Before Adjustments and Deductions | RCOAP840 | $48.0M |
| Common Equity Tier 1 Capital: Common Stock Plus Related Surplus, Net of Treasury Stock and Unearned Employee Stock Ownership Plan (ESOP) Shares | RCOAP742 | $44.1M |
| Unconditionally Cancellable Commitments | RCOAS540 | $25.7M |
| Retained Earnings | RCOAKW00 | $5.0M |
| Accumulated Other Comprehensive Income | RCOAB530 | -$1.1M |
| 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 | -$1.1M |
| Off-balance sheet exposures: Other off-balance sheet exposures | RCOAKX81 | $150K |
| 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 | 0.1089 |
| Tier 1 Leverage Capital Ratio | RCOA7204 | 0.0858 |
Schedule RI-A: Changes in Bank Equity Capital (4 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Equity Capital | RIAD3210 | $48.0M |
| Balance End of Previous Calendar Year as Restated | RIADB508 | $43.0M |
| Equity Capital, Most Recently Reported for the End of Previous Calendar Year (I.e., After Adjustments from Amended Reports of Income) | RIAD3217 | $43.0M |
| Other Comprehensive Income | RIADB511 | -$23K |
Schedule RI-B, Part I: Charge-offs and Recoveries on Loans and Leases (7 items)
About Schedule RI-B, Part I · Citizens State 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 | $603K |
| Loans Secured by Owner-occupied Nonfarm Nonresidential Properties: Charge-offs | RIADC895 | $600K |
| Recoveries on Allowance for Loan and Lease Losses | RIAD4605 | $36K |
| Loans Secured by Owner-occupied Nonfarm Nonresidential Properties: Recoveries | RIADC896 | $33K |
| Recoveries on Automobile Loans | RIADK133 | $3K |
| Charge-offs on Automobile Loans | RIADK129 | $2K |
| Charge-offs All Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADK205 | $1K |
Schedule RI-B, Part II: Changes in Allowances for Credit Losses (7 items)
About Schedule RI-B, Part II · Citizens State Bank changes in allowances for credit losses trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Allowance for Loan and Lease Losses | RIAD3123 | $5.1M |
| Balance Most Recently Reported for the December 31, 2000, Reports of Condition and Income(i.e., After Adjustments from Amended Report of Income) | RIADB522 | $4.5M |
| Balance at end of current period, Available-for-sale debt securities | RIADJH99 | $3.2M |
| Balance most recently reported for end of previous calendar year, Available-for-sale debt securities | RIADJH94 | $2.8M |
| Charge-offs on Allowance for Loan and Lease Losses | RIADC079 | $603K |
| Provisions for credit losses, Available-for-sale debt securities | RIADJH96 | $425K |
| Provisions for credit losses on off-balance-sheet exposures | RIADMG93 | $144K |
Citizens State 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 State Bank call report?
The Citizens State 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 State Bank file?
Citizens State Bank files the FFIEC 051. The FFIEC 031 is for banks with foreign offices, the FFIEC 041 for banks with domestic offices only, and the FFIEC 051 is the streamlined form most domestic banks under $5 billion in total assets may file.
What is the Citizens State 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 State Bank has Federal Reserve RSSD ID 356752 and FDIC certificate number 8183. Either one finds its filings on the FFIEC Central Data Repository.
How often does Citizens State 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 State 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 8183) · FFIEC NIC profile (RSSD 356752)