Bank call report · Hiawatha, KS
Citizens State Bank and Trust Company Call Report
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Citizens State Bank and Trust Company filed its latest call report for the quarter ended June 30, 2026 on the FFIEC 041. Below are its 318 reported line items, schedule by schedule (951 items filed as zero are left out). The official PDF is on the FFIEC Central Data Repository.
| Call report form | FFIEC 041 |
|---|---|
| Latest quarter filed | Q2 2026 (June 30, 2026) |
| Federal Reserve RSSD ID | 678557 |
| FDIC certificate number | 5830 |
| Total assets | $103.6M |
Official Q2 2026 call report PDF (FFIEC) →
Citizens State 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 041.
Schedule RC: Balance Sheet (22 items)
About Schedule RC · Citizens State Bank and Trust Company balance sheet trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Assets | RCON2170 | $103.6M |
| Total Liabilities, Limited-life Preferred Stock, and Equity Capital | RCON3300 | $103.6M |
| Total Liabilities and Minority Interest | RCON2948 | $84.9M |
| Total Deposits | RCON2200 | $79.6M |
| Loans and Leases, Net of Unearned Income - Totals | RCONB528 | $65.6M |
| Loans and Leases, Net of Unearned Income and Allowance | RCONB529 | $65.0M |
| Total Interest-bearing Deposits in Foreign and Domestic Offices | RCON6636 | $61.0M |
| Available-for-sale debt securities (from Schedule RC-B, column D) | RCON1773 | $22.7M |
| Total Equity Capital | RCON3210 | $18.7M |
| Total Equity Capital Including Noncontrolling Minority Interests in Consolidated Subsidiaries | RCONG105 | $18.7M |
| Deposits: Noninterest-bearing | RCON6631 | $18.6M |
| Undivided Profits and Capital Reserves | RCON3632 | $17.1M |
| Interest-bearing Balances | RCON0071 | $10.2M |
| Securities Sold Under Agreements to Repurchase | RCONB995 | $5.1M |
| Noninterest-bearing Balances and Currency and Coin | RCON0081 | $3.6M |
| Other Assets | RCON2160 | $1.8M |
| Surplus | RCON3839 | $1.4M |
| Allowance for Loan and Lease Losses | RCON3123 | $612K |
| Common Stock | RCON3230 | $500K |
| Premises and Fixed Assets (Including Capitalized Leases) | RCON2145 | $346K |
| Accumulated Other Comprehensive Income | RCONB530 | -$295K |
| Other Liabilities, Total | RCON2930 | $168K |
Schedule RI: Income Statement (35 items)
About Schedule RI · Citizens State Bank and Trust Company income statement trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Interest Income | RIAD4107 | $2.6M |
| Net Interest Income | RIAD4074 | $2.2M |
| Interest and Fee Income on Loans, Total | RIAD4010 | $2.0M |
| Total Noninterest Expense | RIAD4093 | $1.5M |
| Income (Loss) Before Applicable Income Taxes and Discontinued Operations | RIAD4301 | $1.1M |
| Income (loss) before change in net unrealized holding gains (losses) on equity securities not held for trading, applicable income taxes, and discontinued operations operations (item 3 plus or minus items 4, 5.m, 6.a, 6.b, and 7.e) | RIADHT69 | $1.1M |
| Income (Loss) Before Discontinued Operations | RIAD4300 | $1.1M |
| Net Income (Loss) | RIAD4340 | $1.1M |
| Net Income (Loss) Attributable to Bank and Noncontrolling Minority Interests | RIADG104 | $1.1M |
| Salaries and Employee Benefits | RIAD4135 | $964K |
| Interest and Fee Income on All Other Loans Secured by Real Estate | RIAD4436 | $729K |
| Interest and Fee Income on Loans Secured by 1-4 Family Residential Properties | RIAD4435 | $640K |
| Other Noninterest Expense | RIAD4092 | $474K |
| Total Noninterest Income | RIAD4079 | $449K |
| Interest and Fee Income on All Other Loans in Domestic Offices | RIAD4058 | $419K |
| Interest and Fee Income on Loans to Finance Agricultural Production and Other Loans to Farmers in Domestic Offices | RIAD4024 | $419K |
| Total Interest Expense | RIAD4073 | $373K |
| Interest and Dividend Income on Securities: U.S. Treasury Securities and U.S. Government Agency Obligations (Excluding Mortgage-backed Securities) | RIADB488 | $281K |
| Interest Income on Balances Due from Depository Institutions | RIAD4115 | $242K |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of 250000 or Less | RIADHK03 | $171K |
| Interest and Fee Income on Commercial and Industrial Loans | RIAD4012 | $145K |
| Other Noninterest Income | RIADB497 | $131K |
| 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 |
| Expenses of Premises and Fixed Assets | RIAD4217 | $88K |
| Savings Deposits (Including Mmdas) | RIAD0093 | $71K |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of More Than 250000 | RIADHK04 | $47K |
| Expense of Federal Funds Purchased and Securities Sold Under Agreements to Repurchase | RIAD4180 | $43K |
| Interest on Transaction Accounts (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) | RIAD4508 | $41K |
| Applicable Income Taxes | RIAD4302 | $29K |
| Net Servicing Fees | RIADB492 | $20K |
| Net Gains (Losses) on Sales of Other Assets (Excluding Securities) | RIADB496 | $18K |
| Other Interest Income | RIAD4518 | $14K |
| Service Charges on Deposit Accounts in Domestic Offices | RIAD4080 | $10K |
| Net Securitization Income | RIADB493 | $4K |
| Number of Full Time Equivalent Employees on Payroll at End of Current Period | RIAD4150 | 22 |
Schedule RC-B: Securities (8 items)
About Schedule RC-B · Citizens State Bank and Trust Company securities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Amortized Cost of Available-for-sale U.S. Treasury Securities | RCON1286 | $23.0M |
| Total Amortized Cost of Available-for-sale Securities | RCON1772 | $23.0M |
| Fair Value of Available-for-sale U.S. Treasury Securities | RCON1287 | $22.7M |
| Pledged Securities | RCON0416 | $12.4M |
| Fixed Rate and Floating Rate Debt Securities with a Remaining Maturity of One Year or Less | RCONA248 | $11.9M |
| 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 | $10.8M |
| 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 Date of Over Three Months Through 12 Months | RCONA550 | $7.9M |
| 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 | $4.0M |
Schedule RC-C, Part I: Loans and Leases (27 items)
About Schedule RC-C, Part I · Citizens State Bank and Trust Company loans and leases trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Loans and Leases, Net of Unearned Income | RCON2122 | $65.6M |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by First Liens | RCON5367 | $19.6M |
| Real Estate Loans Secured by Farmland | RCON1420 | $19.3M |
| Fixed Rate and Floating Rate Loans and Leases with a Remaining Maturity of One Year or Less | RCONA247 | $17.0M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Years Through Five Years | RCONA573 | $16.0M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Months Through 12 Months | RCONA571 | $15.5M |
| Loans to Finance Agricultural Production and Other Loans to Farmers | RCON1590 | $12.9M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Years Through Five Years | RCONA567 | $9.9M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Five Years Through 15 Years | RCONA574 | $6.8M |
| 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 | $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 One Year Through Three Years | RCONA572 | $5.2M |
| Commercial and Industrial Loans | RCON1766 | $4.1M |
| Loans Secured by Owner Occupied Nonfarm Nonresidential Properties | RCONF160 | $3.9M |
| Adjustable Rate Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties | RCON5370 | $3.2M |
| 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 One Year Through Three Years | RCONA566 | $3.0M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Three Months or Less | RCONA570 | $2.4M |
| Automobile Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper) | RCONK137 | $2.0M |
| 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 Three Months Through 12 Months | RCONA565 | $1.2M |
| Real Estate Loans Secured by Multi-family (5 or More) Residential Properties | RCON1460 | $910K |
| Loans Secured by 1-4 Family Residential Construction | RCONF158 | $869K |
| Other Consumer Loans to Individuals for Household, Family, and Other Personal Expenditures (Includes Single Payment, Installment, and All Student Loans) | RCONK207 | $823K |
| Loans Secured by Other Construction Loans and All Land Development and Other Land Loans | RCONF159 | $545K |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by Junior Liens | RCON5368 | $383K |
| Other Loans | RCONJ464 | $279K |
| 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 | $134K |
| 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 | $118K |
| Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper): Other Revolving Credit Plans | RCONB539 | $11K |
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 Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $250,000 Through $500,000 | RCON5583 | $8.9M |
| 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 | $4.8M |
| 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 | $3.2M |
| 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 | $2.8M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5571 | $2.8M |
| 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 | $2.7M |
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5567 | $1.2M |
| 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 | $1.1M |
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5565 | $991K |
| 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 | $969K |
| 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 | $748K |
| 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 | $385K |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5570 | 130 |
| Number of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5584 | 108 |
| 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 | 32 |
| Number of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5578 | 30 |
| 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 | 26 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5564 | 25 |
| 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 | 22 |
| 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 | 17 |
| 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 More Than $100,000 Through $250,000 | RCON5566 | 7 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5568 | 4 |
| 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 | 3 |
Schedule RC-E: Deposit Liabilities (23 items)
About Schedule RC-E · Citizens State Bank and Trust Company deposit liabilities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Transaction Accounts | RCON2215 | $44.9M |
| Total Transaction Accounts - Deposits of Individuals, Partnerships, and Corporation | RCONB549 | $40.7M |
| Total Nontransaction Accounts (Including Mmda's) | RCON2385 | $34.7M |
| Total Nontransaction Accounts Deposits of Individuals, Partnerships, and Corporations | RCONB550 | $33.1M |
| Total Demand Deposits (See Note Below) | RCON2210 | $18.6M |
| Other Nontransaction Savings Deposits (Excludes Mmda's) | RCON0352 | $12.5M |
| Time Deposits of 250000 or Less with a Remaining Maturity of One Year or Less | RCONHK11 | $9.3M |
| Money Market Deposit Accounts (Mmda's) | RCON6810 | $9.1M |
| Total Time Deposits of Less Than $100,000 | RCON6648 | $6.8M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONHK07 | $5.0M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONHK08 | $4.2M |
| Total Transaction Accounts - Deposits of States and Political Subdivisions in the U.S. | RCON2203 | $4.1M |
| Components of Total Nontransaction Accounts: Total Time Deposits of $100,000 Through $250,000 | RCONJ473 | $3.9M |
| Components of Total Nontransaction Accounts: Total Time Deposits of More Than $250,000 | RCONJ474 | $2.5M |
| Time Deposits of More Than $250,000 with a Remaining Maturity of One or Year Less | RCONK222 | $2.5M |
| 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 Over Three Months Through 12 Months | RCONHK13 | $2.2M |
| All Time and Savings Deposits Held in IRA and Keogh Plan Accounts | RCON6835 | $1.9M |
| Total Nontransaction Accounts of States and Political Subdivisions in the U.S. | RCON2530 | $1.6M |
| 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 | $890K |
| Individual Retirement Accounts (Iras) and Keogh Plan Accounts Included in Memorandum Item 2.C, 'Total Time Deposits of $100,000 or More,' Above | RCONF233 | $552K |
| 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 | $504K |
| 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 | $252K |
| Total Transaction Accounts - Deposits of Commercial Banks and Other Depository Institutions in the U.S. | RCONB551 | $51K |
Schedule RC-F: Other Assets (5 items)
Schedule RC-G: Other Liabilities (5 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Interest Accrued and Unpaid on Deposits (in Domestic Offices) | RCON3645 | $101K |
| Net Deferred Tax Liabilities | RCON3049 | $36K |
| All Other Liabilities | RCON2938 | $19K |
| Allowance for Credit Losses on Off-balance Sheet Credit Exposures | RCONB557 | $10K |
| Other Expenses Accrued and Unpaid | RCON3646 | $2K |
Schedule RC-K: Quarterly Averages (14 items)
About Schedule RC-K · Citizens State Bank and Trust Company quarterly averages trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Quarterly Average of Total Assets | RCON3368 | $104.0M |
| Quarterly Average of Total Loans | RCON3360 | $64.0M |
| Transaction Accounts (in Domestic Offices) (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) - Quarterly Average | RCON3485 | $27.0M |
| Quarterly Average of All Other Loans Secured by Real Estate | RCON3466 | $24.5M |
| U.S. Treasury Securities and U.S. Government Agency Obligations (Excluding Mortgage-backed Securities) | RCONB558 | $23.5M |
| Nontransaction Accounts in Domestic Offices: Savings Deposits | RCONB563 | $21.3M |
| Quarterly Average of Loans Secured by 1-4 Family Residential Properties | RCON3465 | $19.5M |
| Quarterly Average of Interest-bearing Balances Due from Depository Institutions | RCON3381 | $13.2M |
| Quarterly Average of Loans to Finance Agricultural Production and Other Loans to Farmers | RCON3386 | $11.9M |
| Liabilities, Nontransaction Accounts, Time Deposits of 250000 or Less | RCONHK16 | $10.8M |
| Quarterly Average of Federal Funds Purchased and Securities Sold Under Agreements to Repurchase | RCON3353 | $5.6M |
| Quarterly Average of Commercial and Industrial Loans | RCON3387 | $3.8M |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Other | RCONB562 | $2.7M |
| Liabilities, Nontransaction Accounts, Time Deposits of More Than 250000 | RCONHK17 | $2.5M |
Schedule RC-L: Derivatives and Off-Balance-Sheet Items (4 items)
About Schedule RC-L · Citizens State Bank and Trust Company derivatives and off-balance-sheet items trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Other Unused Commitments: All Other Unused Commitments | RCONJ459 | $8.1M |
| Other Unused Commitments: Commercial and Industrial Loans | RCONJ457 | $1.7M |
| 1-4 Family Residential Construction Loan Commitments | RCONF164 | $901K |
| Financial Standby Letters of Credit and Foreign Office Guarantees | RCON3819 | $11K |
Schedule RC-M: Memoranda (1 item)
About Schedule RC-M · Citizens State Bank and Trust Company 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 | $42K |
Schedule RC-N: Past Due and Nonaccrual Loans, Leases, and Other Assets (8 items)
About Schedule RC-N · Citizens State Bank and Trust Company past due and nonaccrual loans, leases, and other assets trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Loans and Lease Financing Receivables: Past Due 30-89 Days and Still Accruing | RCON1406 | $167K |
| Additions to Nonaccrual Assets | RCONC410 | $139K |
| Total Loans and Lease Finance Receivables: Nonaccrual | RCON1403 | $139K |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens-past Due 30 Thru 89 Days and Still Accruing | RCONC236 | $135K |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens-nonaccural | RCONC229 | $105K |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Automobile Loans - Past Due 30 Through 89 Days and Still Accruing | RCONK213 | $32K |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Automobile Loans - Nonaccrual | RCONK215 | $26K |
| Commercial and Industrial Loans - Nonaccrual | RCON1608 | $8K |
Schedule RC-O: Other Data for Deposit Insurance Assessments (10 items)
About Schedule RC-O · Citizens State 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 | $103.6M |
| Total Deposit Liabilities as Defined in Section 3(1) of the Federal Deposit Insurance Act Before Exclusions | RCONF236 | $79.7M |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of $250,000 or Less | RCONF049 | $52.8M |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF051 | $25.0M |
| Average Tangible Equity for the Calendar Quarter | RCONK654 | $18.6M |
| Amount of Retirement Deposits Accounts of $250,000 or Less | RCONF045 | $1.9M |
| Number of Deposit Accounts (Excluding Retirement Accounts)of $250,000 or Less | RCONF050 | 3,575 |
| Number of Retirement Deposit Accounts of $250,000 or Less | RCONF046 | 100 |
| Number of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF052 | 52 |
| Averaging Method Used | RCONK653 | 1 |
Schedule RC-R: Regulatory Capital (1 item)
About Schedule RC-R · Citizens State Bank and Trust Company regulatory capital trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Risk-weighted Assets Before Deductions for Excess Allowance for Loan and Lease Losses and Allocated Transfer Risk Reserve - 100% | RCONB704 | $63.8M |
Schedule RC-R, Part I: Regulatory Capital Components and Ratios (21 items)
About Schedule RC-R, Part I · Citizens State Bank and Trust Company regulatory capital components and ratios trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average Total Assets (Net of Deductions) | RCOAA224 | $104.0M |
| Average total consolidated assets | RCOAKW03 | $104.0M |
| Risk-weighted Assets (Net of Allowances and Other Deductions) | RCOAA223 | $63.8M |
| Total Qualifying Capital Allowable Under the Risk-based Capital Guidelines | RCOA3792 | $19.7M |
| Common Equity Tier 1 Capital | RCOAP859 | $19.0M |
| Subtotal of Common Equity Tier 1 Capital: Adjustments and Deductions | RCOAP852 | $19.0M |
| Tier 1 Capital Allowable Under the Risk-based Capital Guidelines | RCOA8274 | $19.0M |
| Common Equity Tier 1 Capital Before Adjustments and Deductions | RCOAP840 | $18.7M |
| Retained Earnings | RCOAKW00 | $17.1M |
| Common Equity Tier 1 Capital: Common Stock Plus Related Surplus, Net of Treasury Stock and Unearned Employee Stock Ownership Plan (ESOP) Shares | RCOAP742 | $1.9M |
| General Loan and Lease Valuation Allowances | RCOA5310 | $622K |
| Tier 2 (Supplementary) Capital | RCOA5311 | $622K |
| Tier 2 Capital Before Deductions | RCOAP870 | $622K |
| Accumulated Other Comprehensive Income | RCOAB530 | -$295K |
| 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 | -$295K |
| A. AOCI Opt-out Election (Enter '1' for Yes, Enter '0' for No.) | RCOAP838 | 1 |
| Total Risk-based Capital Ratio | RCOA7205 | 0.308 |
| Common Equity Tier 1 Capital Ratio | RCOAP793 | 0.2983 |
| Tier 1 Risk-based Capital Ratio | RCOA7206 | 0.2983 |
| Institution-specific Capital Buffer Necessary to Avoid Limitations on Distributions and Discretionary Bonus Payments: Capital Conservation Buffer | RCOAH311 | 0.228 |
| Tier 1 Leverage Capital Ratio | RCOA7204 | 0.1831 |
Schedule RC-R, Part II: Risk-Weighted Assets (54 items)
About Schedule RC-R, Part II · Citizens State 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 | $63.8M |
| Total Risk-weighted Assets | RCONG641 | $63.8M |
| Risk-weighted Assets by Risk-weighted Category - 100 Pct Risk Weight Category | RCONG637 | $51.0M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 100 Pct Risk Weight Category | RCONG633 | $51.0M |
| Total Balance Sheet Assets - 100 Pct Risk Weight Category | RCOND990 | $45.7M |
| Total Loans and Leases, Net of Unearned Income, All Other Exposures | RCONS457 | $44.7M |
| Loans and Leases, Net of Unearned Income, All Other Exposures - 100 Pct Risk Weight Category | RCONS462 | $43.5M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 0 Pct Risk Weight Category | RCONG630 | $35.1M |
| Total Balance Sheet Assets - 0 Pct Risk Weight Category | RCOND987 | $35.1M |
| Available-for-sale Securities - 0 Pct Risk Weight Category | RCOND967 | $23.0M |
| Available-for-sale debt securities and equity securities with readily determinable fair values not held for trading purposes, Total Fair Value | RCONJA21 | $22.7M |
| Total Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures | RCONS439 | $20.9M |
| Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures - 50 Pct Risk Weight Category | RCONS442 | $20.4M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 50 Pct Risk Weight Category | RCONG632 | $20.4M |
| Total Balance Sheet Assets - 50 Pct Risk Weight Category | RCOND989 | $20.4M |
| Total Cash and Balances Due from Depository Institutions | RCOND957 | $13.8M |
| Cash and Balances Due from Depository Institutions - 0 Pct Risk Weight Category | RCOND958 | $11.7M |
| Risk-weighted Assets by Risk-weighted Category - 50 Pct Risk Weight Category | RCONG636 | $10.2M |
| Unconditionally Cancellable Commitments | RCONS540 | $10.1M |
| Repo-style Transactions - 100 Pct Risk Weight Category | RCONS522 | $5.1M |
| Repo-style Transactions - Credit Equivalent Amount | RCONS516 | $5.1M |
| Repo-style Transactions - Face, Notional, or Other Amount | RCONS515 | $5.1M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 20 Pct Risk Weight Category | RCONG631 | $3.3M |
| Total Balance Sheet Assets - 20 Pct Risk Weight Category | RCOND988 | $3.3M |
| Cash and Balances Due from Depository Institutions - 20 Pct Risk Weight Category | RCOND959 | $2.1M |
| Total All Other Assets | RCOND981 | $2.1M |
| All Other Assets - 100 Pct Risk Weight Category | RCOND985 | $1.7M |
| Risk-weighted Assets by Risk-weighted Category - 1250 Pct Risk Weight Category | RCONS579 | $1.5M |
| Total Balance Sheet Assets - Adjustments to Total Reported in Column a | RCONS500 | -$921K |
| Loans and Leases, Net of Unearned Income, All Other Exposures - 20 Pct Risk Weight Category | RCONS460 | $783K |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, Face, Notional or Other Amount | RCONS525 | $701K |
| Risk-weighted Assets by Risk-weighted Category - 20 Pct Risk Weight Category | RCONG635 | $667K |
| Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures - 100 Pct Risk Weight Category | RCONS443 | $488K |
| Off-balance Sheet Securitization Exposures - Gross-up Risk Weight Exposure, by Calculation Method | RCONS499 | $458K |
| All Other Assets - 20 Pct Risk Weight Category | RCOND983 | $427K |
| Loans and Leases, Net of Unearned Income, All Other Exposures - 0 Pct Risk Weight Category | RCONS459 | $377K |
| Available-for-sale Securities - Adjustment to Totals Reported in Column a | RCONS402 | -$309K |
| Total Off-balance Sheet Securitization Exposures | RCONS495 | $218K |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, 100% | RCONS530 | $140K |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, Credit Equivalent Amount | RCONS526 | $140K |
| Off-balance Sheet Securitization Exposures - 1250 Pct Risk Weight Exposure, by Calculation Method | RCONS497 | $118K |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 1250 Pct Risk Weight Category | RCONS568 | $118K |
| Off-balance Sheet Securitization Exposures - Adjustments to Total Reported in Column a | RCONS496 | $100K |
| Risk-weighted Assets by Risk-weighted Category - 150 Pct Risk Weight Category | RCONS572 | $51K |
| Loans and Leases, Net of Unearned Income, Exposures Past Due 90 Days or More or on Nonaccrual - 150 Pct Risk Weight Category | RCONS455 | $34K |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 150 Pct Risk Weight Category | RCONS561 | $34K |
| Total Balance Sheet Assets - 150 Pct Risk Weight Category | RCONS503 | $34K |
| Total Loans and Leases, Net of Unearned Income, Exposures Past Due 90 Days or More or on Nonaccrual | RCONS449 | $34K |
| Unused Commitments, Original Maturity Exceeding One Year - Face, Notional, or Other Amount | RCONG624 | $23K |
| Unused Commitments, Original Maturity Exceeding One Year - 100 Pct Risk Weight Category | RCONG629 | $12K |
| Unused Commitments, Original Maturity Exceeding One Year - Credit Equivalent Amount | RCONG625 | $12K |
| Financial Standby Letters of Credit - 100 Pct Risk Weight Category | RCOND996 | $11K |
| Financial Standby Letters of Credit - Credit Equivalent Amount | RCOND992 | $11K |
| Financial Standby Letters of Credit - Face, Notional, or Other Amount | RCOND991 | $11K |
Schedule RC-S: Servicing, Securitization, and Asset Sale Activities (3 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Assets Sold with Recourse or Other Seller-provided Credit Enhancements and Not Securitized - 1-4 Family Residential Loans | RCONB790 | $9.1M |
| Outstanding Principal Balance of Assets Serviced for Others (Memorandum Item 2.C Is to Be Completed If the Balance Is More Than $10 Million): 1-4 Family Residential Mortgages Serviced with Recourse or Oher Servicer-provided Credit Enhancements | RCONB804 | $9.1M |
| Maximum Amount of Credit Exposure Arising from Recourse or Other Seller-provided Credit Enhancements Provided to Assets Reported in Item 11: 1-4 Family Residential Loans | RCONB797 | $218K |
Schedule RC-T: Fiduciary and Related Services (29 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Fiduciary Accounts - Managed Assets | RCONB894 | $156.7M |
| Investment Management Agency Accounts - Managed Assets | RCONB886 | $85.9M |
| Custody and Safekeeping Accounts - Non-managed Assets | RCONB898 | $54.0M |
| Personal Trust and Agency Accounts - Managed Assets | RCONB868 | $36.1M |
| Fiduciary and Related Assets:individual Retirement Accounts, Health Savings Accounts, and Other Similar Accounts - Non-managed Asset | RCONJ260 | $21.6M |
| Fiduciary and Related Assets:individual Retirement Accounts, Health Savings Accounts, and Other Similar Accounts - Managed Assets | RCONJ259 | $15.6M |
| Other Retirement Accounts - Managed Assets | RCONB880 | $15.6M |
| Fiduciary and Related Assets:foundation and Endowment Trust and Agency Accounts - Managed Assets | RCONJ255 | $13.7M |
| Employee Benefit-defined Contribution - Non-managed Assets | RCONB873 | $10.4M |
| Total Fiduciary Accounts - Non-managed Assets | RCONB895 | $10.4M |
| Employee Benefit-defined Contribution - Managed Assets | RCONB872 | $5.3M |
| Income from Fiduciary Activities | RIAD4070 | $266K |
| Fiduciary and Related Services Income-investment Management and Investment Advisory Agency Accounts | RIADJ315 | $101K |
| Custody and Safekeeping Accounts | RIADB909 | $63K |
| Personal Trust and Agency Accounts | RIADB904 | $62K |
| Other Retirement Accounts | RIADB907 | $35K |
| Fiduciary and Related Services Income-foundation and Endowment Trust and Agency Accounts | RIADJ316 | $4K |
| Employee Benefit-defined Contribution | RIADB905 | $1K |
| Custody and Safekeeping Accounts - Number of Non-managed Accounts | RCONB899 | 262 |
| Total Fiduciary Accounts - Number of Managed Accounts | RCONB896 | 240 |
| Fiduciary and Related Assets:individual Retirement Accounts, Health Savings Accounts, and Other Similar Accounts - Number of Managed Accounts | RCONJ261 | 116 |
| Other Retirement Accounts - Number of Managed Accounts | RCONB882 | 116 |
| Fiduciary and Related Assets:individual Retirement Accounts, Health Savings Accounts, and Other Similar Accounts - Number of Non-managed Accounts | RCONJ262 | 97 |
| Investment Management Agency Accounts - Number of Managed Accounts | RCONB888 | 90 |
| Personal Trust and Agency Accounts - Number of Managed Accounts | RCONB870 | 21 |
| Fiduciary and Related Assets:foundation and Endowment Trust and Agency Accounts - Number of Managed Accounts | RCONJ257 | 12 |
| Employee Benefit-defined Contribution - Number of Non-managed Accounts | RCONB875 | 3 |
| Total Fiduciary Accounts - Non-managed Accounts | RCONB897 | 3 |
| Employee Benefit-defined Contribution - Number of Managed Accounts | RCONB874 | 1 |
Schedule RI-A: Changes in Bank Equity Capital (5 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Equity Capital | RIAD3210 | $18.7M |
| Balance End of Previous Calendar Year as Restated | RIADB508 | $18.5M |
| Equity Capital, Most Recently Reported for the End of Previous Calendar Year (I.e., After Adjustments from Amended Reports of Income) | RIAD3217 | $18.5M |
| Cash Dividends Declared on Common Stock | RIAD4460 | $868K |
| Other Comprehensive Income | RIADB511 | $24K |
Schedule RI-B, Part II: Changes in Allowances for Credit Losses (2 items)
About Schedule RI-B, Part II · Citizens State Bank and Trust Company changes in allowances for credit losses trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Allowance for Loan and Lease Losses | RIAD3123 | $612K |
| Balance Most Recently Reported for the December 31, 2000, Reports of Condition and Income(i.e., After Adjustments from Amended Report of Income) | RIADB522 | $612K |
Schedule RI-E: Explanations (17 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Data Processing Expenses | RIADC017 | $215K |
| Automated Teller Machine (ATM) and Interchange Expense | RIADF558 | $74K |
| Bank Card and Credit Card Interchange Fees | RIADF555 | $68K |
| First Itemized Amount That Exceeds 10% of All Other Noninterest Income (5408) | RIAD4461 | $39K |
| Marketing and Other Professional Services | RIAD0497 | $39K |
| Accounting and Auditing Expenses | RIADF556 | $29K |
| First Itemized Amount That Exceeds 10% of Other Noninterest Expense (4092) | RIAD4464 | $19K |
| Printing, Stationery, and Supplies | RIADC018 | $17K |
| Operating Expenses Communications - Postage, Monthly | RIAD8403 | $13K |
| Directors' Fees | RIAD4136 | $11K |
| Second Itemized Amount That Exceeds 10% of Other Noninterest Expense (4092) | RIAD4467 | $9K |
| Telecommunications Expense | RIADF559 | $9K |
| Second Itemized Amount That Exceeds 10% of All Other Noninterest Income (5408) | RIAD4462 | $8K |
| Income and Fees from Automated Teller Machines (Atms) | RIADC016 | $7K |
| Legal Expense | RIAD4141 | $4K |
| Safe Deposit Box Rent | RIADC015 | $4K |
| Income and Fees from Wire Transfers | RIADT047 | $3K |
Citizens State 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 State Bank and Trust Company call report?
The Citizens State 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 State Bank and Trust Company file?
Citizens State Bank and Trust Company files the FFIEC 041. The FFIEC 031 is for banks with foreign offices, the FFIEC 041 for banks with domestic offices only, and the FFIEC 051 is the streamlined form most domestic banks under $5 billion in total assets may file.
What is the Citizens State 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 State Bank and Trust Company has Federal Reserve RSSD ID 678557 and FDIC certificate number 5830. Either one finds its filings on the FFIEC Central Data Repository.
How often does Citizens State 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 State 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 5830) · FFIEC NIC profile (RSSD 678557)