Bank call report · Loyal, WI
Citizens State Bank of Loyal Call Report
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Citizens State Bank of Loyal filed its latest call report for the quarter ended June 30, 2026 on the FFIEC 051. Below are its 293 reported line items, schedule by schedule (406 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 | 479446 |
| FDIC certificate number | 6186 |
| Total assets | $311.5M |
Official Q2 2026 call report PDF (FFIEC) →
Citizens State Bank of Loyal 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 (27 items)
About Schedule RC · Citizens State Bank of Loyal balance sheet trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Assets | RCON2170 | $311.5M |
| Total Liabilities, Limited-life Preferred Stock, and Equity Capital | RCON3300 | $311.5M |
| Total Liabilities and Minority Interest | RCON2948 | $279.7M |
| Total Deposits | RCON2200 | $250.3M |
| Total Interest-bearing Deposits in Foreign and Domestic Offices | RCON6636 | $199.9M |
| Loans and Leases, Net of Unearned Income - Totals | RCONB528 | $181.8M |
| Loans and Leases, Net of Unearned Income and Allowance | RCONB529 | $179.9M |
| Available-for-sale debt securities (from Schedule RC-B, column D) | RCON1773 | $81.7M |
| Deposits: Noninterest-bearing | RCON6631 | $50.5M |
| Total Equity Capital | RCON3210 | $31.8M |
| Total Equity Capital Including Noncontrolling Minority Interests in Consolidated Subsidiaries | RCONG105 | $31.8M |
| Undivided Profits and Capital Reserves | RCON3632 | $29.7M |
| Other Borrowed Money | RCON3190 | $25.0M |
| Other Assets | RCON2160 | $14.6M |
| Interest-bearing Balances | RCON0071 | $11.6M |
| Held-to-maturity Securities, Total | RCON1754 | $9.3M |
| Held to maturity securities (ASU 2016-13 adoption) | RCONJJ34 | $9.3M |
| Noninterest-bearing Balances and Currency and Coin | RCON0081 | $7.0M |
| Surplus | RCON3839 | $6.3M |
| Federal Funds Sold | RCONB987 | $4.5M |
| Accumulated Other Comprehensive Income | RCONB530 | -$4.4M |
| Other Liabilities, Total | RCON2930 | $4.4M |
| Premises and Fixed Assets (Including Capitalized Leases) | RCON2145 | $2.9M |
| Allowance for Loan and Lease Losses | RCON3123 | $2.0M |
| Common Stock | RCON3230 | $200K |
| Loans and Leases Held for Sale | RCON5369 | $120K |
| Equity securities with readily determinable fair values not held for trading | RCONJA22 | $35K |
Schedule RI: Income Statement (45 items)
About Schedule RI · Citizens State Bank of Loyal income statement trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Interest Income | RIAD4107 | $7.4M |
| Interest and Fee Income on Loans, Total | RIAD4010 | $5.5M |
| Net Interest Income | RIAD4074 | $4.8M |
| Interest and Fee Income on All Other Loans Secured by Real Estate | RIAD4436 | $3.7M |
| Total Noninterest Expense | RIAD4093 | $3.4M |
| Total Interest Expense | RIAD4073 | $2.6M |
| Income (Loss) Before Applicable Income Taxes and Discontinued Operations | RIAD4301 | $2.1M |
| 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 | $2.0M |
| Salaries and Employee Benefits | RIAD4135 | $2.0M |
| Income (Loss) Before Discontinued Operations | RIAD4300 | $1.8M |
| Net Income (Loss) | RIAD4340 | $1.8M |
| Net Income (Loss) Attributable to Bank and Noncontrolling Minority Interests | RIADG104 | $1.8M |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of 250000 or Less | RIADHK03 | $1.1M |
| Other Noninterest Expense | RIAD4092 | $1.1M |
| Interest on Other Securities | RIAD4060 | $1.1M |
| Interest and Fee Income on All Other Loans in Domestic Offices | RIAD4058 | $1.0M |
| Savings Deposits (Including Mmdas) | RIAD0093 | $795K |
| Total Noninterest Income | RIAD4079 | $657K |
| Interest and Dividend Income on Tax-exempt Securities Issued by States and Political Subdivisions in the U.S. | RIAD4507 | $580K |
| Interest and Fee Income on Loans Secured by 1-4 Family Residential Properties | RIAD4435 | $509K |
| Other Interest Expense | RIADGW44 | $500K |
| Other Noninterest Income | RIADB497 | $409K |
| Interest and Fee Income on Loans to Finance Agricultural Production and Other Loans to Farmers in Domestic Offices | RIAD4024 | $390K |
| Interest Income on Balances Due from Depository Institutions | RIAD4115 | $318K |
| Expenses of Premises and Fixed Assets | RIAD4217 | $289K |
| Interest and Dividend Income on Securities: Mortgage-backed Securities | RIADB489 | $270K |
| Applicable Income Taxes | RIAD4302 | $266K |
| Interest and Fee Income on Commercial and Industrial Loans | RIAD4012 | $235K |
| Estimated Income on Tax-exempt Loans and Leases to States and Political Subdivisions in the U.S. | RIAD4313 | $228K |
| Interest and Dividend Income on Securities: U.S. Treasury Securities and U.S. Government Agency Obligations (Excluding Mortgage-backed Securities) | RIADB488 | $142K |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of More Than 250000 | RIADHK04 | $121K |
| Noninterest income: Fees and commissions from securities brokerage, investment banking, advisory, and underwriting activities | RIADHT73 | $109K |
| Provision for Loan and Lease Losses | RIAD4230 | $91K |
| Service Charges on Deposit Accounts in Domestic Offices | RIAD4080 | $62K |
| Provisions for Credit Losses on Financial Assets | RIADJJ33 | $60K |
| Net Servicing Fees | RIADB492 | $53K |
| Unrealized holding gains (losses) on equity securities not held for trading | RIADHT70 | $45K |
| Interest on Transaction Accounts (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) | RIAD4508 | $27K |
| Other Interest Income | RIAD4518 | $27K |
| Interest Income on Federal Funds Sold and Securities Purchased Under Agreements to Resell | RIAD4020 | $24K |
| Net Gains (Losses) on Sales of Loans | RIAD5416 | $23K |
| 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 | $16K |
| Income from Lease Financing Receivables | RIAD4065 | $8K |
| Noninterest income: Income from insurance activities | RIADHT74 | $1K |
| Number of Full Time Equivalent Employees on Payroll at End of Current Period | RIAD4150 | 41 |
Schedule RC-B: Securities (33 items)
About Schedule RC-B · Citizens State Bank of Loyal 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 | $1.9M |
| Mortgage-backed Securities (MBS): Residential Pass-through Securities: Other Pass-through Securities: Available-for-sale Fair Value | RCONG311 | $1.8M |
| Mortgage-backed Securities (MBS): Other Residential MBS (Include Cmos, REMICS, and Stripped MBS): Issued or Guaranteed by FNMA, FHLMC, or GNMA - Available-for-sale Amortized Cost | RCONG314 | $6.1M |
| 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 | $6.1M |
| Total Amortized Cost of Available-for-sale Securities | RCON1772 | $87.1M |
| Amortized Cost of Available-for-sale Securities Issued by States and Political Subdivisions in the U.S. | RCON8498 | $53.9M |
| Fair Value of Available-for-sale Securities Issued by States and Political Subdivisions in the U.S. | RCON8499 | $49.2M |
| Pledged Securities | RCON0416 | $34.1M |
| 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 | $25.6M |
| 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 Over One Year Through Three Years | RCONA551 | $18.6M |
| 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 Over Three Years Through Five Years | RCONA552 | $14.7M |
| 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 Three Months of Less | RCONA549 | $11.4M |
| US government agency obligations (exclude mortgage-backed securities), Available for sale, Amortized Cost | RCONHT52 | $10.1M |
| 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 | $9.9M |
| US government agency obligations (exclude mortgage-backed securities), Available for sale, Fair Value | RCONHT53 | $9.7M |
| Amortized Cost of Other Held-to-maturity Domestic Debt Securities | RCON1737 | $9.3M |
| Fair Value of Other Held-to-maturity Domestic Debt Securities | RCON1738 | $8.9M |
| Total Fair Value of Held-to-maturity Securities | RCON1771 | $8.9M |
| OTHER MORTGAGE-BACKED SECURITIES (INCLUDE CMOs, REMICs, AND STRIPPED MBS) WITH AN EXPECTED AVERAGE LIFE OF OVER THREE YEARS | RCONA562 | $8.2M |
| Fixed Rate and Floating Rate Debt Securities with a Remaining Maturity of One Year or Less | RCONA248 | $7.7M |
| Asset-backed Securities: Available-for-sale Amortized Cost | RCONC989 | $7.5M |
| Total (Asset-backed Securities) Fair Value - Available-for-sale | RCONC027 | $7.5M |
| Mortgage-backed Securities (Mbs):commercial MBS: Commercial Mortgage Pass-through Securities:issued or Guaranteed by Fnma,fhlmc or GNMA: Available-for-sale Amortized Cost | RCONK144 | $3.1M |
| Mortgage-backed Securities (Mbs):commercial MBS: Commercial Mortgage Pass-through Securities:issued or Guaranteed by Fnma,fhlmc or GNMA: Available-for-sale Fair Value | RCONK145 | $3.0M |
| Mortgage-backed Securities (Mbs):commercial MBS: Other Commercial MBS :All Other Commercial MBS: Available-for-sale Amortized Cost | RCONK156 | $2.5M |
| Mortgage-backed Securities (Mbs):commercial MBS: Other Commercial MBS :All Other Commercial MBS: Available-for-sale Fair Value | RCONK157 | $2.5M |
| Amortized Cost of Available-for-sale U.S. Treasury Securities | RCON1286 | $2.0M |
| Fair Value of Available-for-sale U.S. Treasury Securities | RCON1287 | $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 15 Years | RCONA560 | $932K |
| 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 | $690K |
| 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 | $459K |
| OTHER MORTGAGE-BACKED SECURITIES (INCLUDE CMOs, REMICs, AND STRIPPED MBS) WITH AN EXPECTED AVERAGE LIFE OF THREE YEARS OR LESS | RCONA561 | $339K |
| 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 | $168K |
Schedule RC-C, Part I: Loans and Leases (33 items)
About Schedule RC-C, Part I · Citizens State Bank of Loyal loans and leases trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Loans and Leases, Net of Unearned Income | RCON2122 | $181.9M |
| Pledged Loans and Leases | RCONG378 | $69.2M |
| Real Estate Loans Secured by Farmland | RCON1420 | $64.7M |
| 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 | $57.8M |
| 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 Three Months or Less | RCONA570 | $40.3M |
| Fixed Rate and Floating Rate Loans and Leases with a Remaining Maturity of One Year or Less | RCONA247 | $37.8M |
| 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 Three Years Through Five Years | RCONA573 | $31.7M |
| 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 | $23.9M |
| Real Estate Loans Secured by Multi-family (5 or More) Residential Properties | RCON1460 | $21.9M |
| Loans Secured by Owner Occupied Nonfarm Nonresidential Properties | RCONF160 | $18.3M |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by First Liens | RCON5367 | $15.4M |
| Obligations (Other Than Securities and Leases) of States and Political Subdivisions in the U.S. | RCON2107 | $15.0M |
| 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 Five Years Through 15 Years | RCONA574 | $12.2M |
| Loans to Finance Agricultural Production and Other Loans to Farmers | RCON1590 | $10.1M |
| Loans Secured by Other Nonfarm Nonresidential Properties. | RCONF161 | $9.8M |
| Loans to Nondepository Financial Institutions and Other Loans: Loans to Nondepository Financial Institutions | RCONJ454 | $9.1M |
| Loans Secured by Other Construction Loans and All Land Development and Other Land Loans | RCONF159 | $7.3M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Years Through Five Years | RCONA567 | $7.2M |
| Commercial and Industrial Loans | RCON1766 | $6.9M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over One Year Through Three Years | RCONA566 | $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 Over Three Months Through 12 Months | RCONA565 | $2.0M |
| Loans Secured by 1-4 Family Residential Construction | RCONF158 | $1.1M |
| Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit | RCON1797 | $1.1M |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by Junior Liens | RCON5368 | $641K |
| 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 | $590K |
| 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 | $391K |
| 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 | $327K |
| Other Consumer Loans to Individuals for Household, Family, and Other Personal Expenditures (Includes Single Payment, Installment, and All Student Loans) | RCONK207 | $204K |
| Lease Financing Receivables (Net of Unearned Income) | RCON2165 | $146K |
| Automobile Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper) | RCONK137 | $123K |
| 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 | $120K |
| Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper): Other Revolving Credit Plans | RCONB539 | $13K |
| Other Loans | RCONJ464 | $6K |
Schedule RC-C, Part II: Loans to Small Businesses and Small Farms (24 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Amount Currently Outstanding of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $250,000 Through $500,000 | RCON5583 | $10.4M |
| 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 | $8.5M |
| 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 | $8.3M |
| 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 | $3.1M |
| 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 | $2.8M |
| 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 | $2.6M |
| 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 | $2.6M |
| 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 | $2.2M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5573 | $1.9M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5571 | $1.5M |
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5565 | $992K |
| 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 | $945K |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5570 | 247 |
| Number of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5584 | 113 |
| 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 | 68 |
| Number of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5578 | 46 |
| 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 | 38 |
| 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 | 29 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5566 | 25 |
| 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 $250,000 Through $1,000,000 | RCON5568 | 19 |
| 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 | 15 |
| 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 | 11 |
| 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 | 5 |
Schedule RC-E: Deposit Liabilities (24 items)
About Schedule RC-E · Citizens State Bank of Loyal deposit liabilities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Nontransaction Accounts (Including Mmda's) | RCON2385 | $177.3M |
| Total Nontransaction Accounts Deposits of Individuals, Partnerships, and Corporations | RCONB550 | $149.1M |
| Money Market Deposit Accounts (Mmda's) | RCON6810 | $74.6M |
| Total Transaction Accounts | RCON2215 | $73.0M |
| Total Transaction Accounts - Deposits of Individuals, Partnerships, and Corporation | RCONB549 | $69.7M |
| Total Demand Deposits (See Note Below) | RCON2210 | $50.5M |
| Time Deposits of 250000 or Less with a Remaining Maturity of One Year or Less | RCONHK11 | $45.1M |
| Total Time Deposits of Less Than $100,000 | RCON6648 | $36.2M |
| Other Nontransaction Savings Deposits (Excludes Mmda's) | RCON0352 | $35.8M |
| Total Nontransaction Accounts of States and Political Subdivisions in the U.S. | RCON2530 | $28.2M |
| 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 | $28.1M |
| Components of Total Nontransaction Accounts: Total Time Deposits of $100,000 Through $250,000 | RCONJ473 | $23.8M |
| 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 | $16.9M |
| 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 | $11.9M |
| All Time and Savings Deposits Held in IRA and Keogh Plan Accounts | RCON6835 | $11.1M |
| Components of Total Nontransaction Accounts: Total Time Deposits of More Than $250,000 | RCONJ474 | $6.9M |
| Time Deposits of More Than $250,000 with a Remaining Maturity of One or Year Less | RCONK222 | $5.0M |
| 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 Over Three Months Through 12 Months | RCONHK13 | $3.4M |
| Total Transaction Accounts - Deposits of States and Political Subdivisions in the U.S. | RCON2203 | $3.3M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over Three Years | RCONHK10 | $3.1M |
| Individual Retirement Accounts (Iras) and Keogh Plan Accounts Included in Memorandum Item 2.C, 'Total Time Deposits of $100,000 or More,' Above | RCONF233 | $2.9M |
| 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 | $1.7M |
| 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 | $1.3M |
| 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 Over One Year Through Three Years | RCONHK14 | $550K |
Schedule RC-F: Other Assets (6 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Life Insurance Assets: General Account Life Insurance Assets | RCONK201 | $8.5M |
| Historical Cost of All Other Available-for-sale Equity Securities | RCON1752 | $2.7M |
| Net Deferred Tax Assets | RCON2148 | $1.7M |
| Accrued Interest Receivable | RCONB556 | $1.4M |
| Other Assets | RCON2168 | $327K |
| Prepaid Expenses | RCON2166 | $316K |
Schedule RC-G: Other Liabilities (6 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| All Other Liabilities | RCON2938 | $3.0M |
| Deferred Compensation Liabilities | RCONC011 | $2.8M |
| Other Expenses Accrued and Unpaid | RCON3646 | $1.2M |
| Derivatives with a Negative Fair Value Held for Purposes Other Than Trading | RCONC012 | $145K |
| Interest Accrued and Unpaid on Deposits (in Domestic Offices) | RCON3645 | $114K |
| Allowance for Credit Losses on Off-balance Sheet Credit Exposures | RCONB557 | $100K |
Schedule RC-K: Quarterly Averages (18 items)
About Schedule RC-K · Citizens State Bank of Loyal quarterly averages trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Quarterly Average of Total Assets | RCON3368 | $313.5M |
| Quarterly Average of Total Loans | RCON3360 | $179.5M |
| Quarterly Average of All Other Loans Secured by Real Estate | RCON3466 | $120.6M |
| Nontransaction Accounts in Domestic Offices: Savings Deposits | RCONB563 | $108.0M |
| All Other Securities | RCONB560 | $74.5M |
| Liabilities, Nontransaction Accounts, Time Deposits of 250000 or Less | RCONHK16 | $59.8M |
| Quarterly Average of Other Borrowed Money | RCON3355 | $28.9M |
| Transaction Accounts (in Domestic Offices) (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) - Quarterly Average | RCON3485 | $23.3M |
| Quarterly Average of Interest-bearing Balances Due from Depository Institutions | RCON3381 | $17.0M |
| Quarterly Average of Loans Secured by 1-4 Family Residential Properties | RCON3465 | $15.5M |
| U.S. Treasury Securities and U.S. Government Agency Obligations (Excluding Mortgage-backed Securities) | RCONB558 | $12.8M |
| Mortgage-backed Securities | RCONB559 | $12.4M |
| Quarterly Average of Loans to Finance Agricultural Production and Other Loans to Farmers | RCON3386 | $11.1M |
| Liabilities, Nontransaction Accounts, Time Deposits of More Than 250000 | RCONHK17 | $7.4M |
| Quarterly Average of Commercial and Industrial Loans | RCON3387 | $7.0M |
| Quarterly Average of Federal Funds Sold and Securities Purchased Under Agreements to Resell | RCON3365 | $2.2M |
| Lease Financing Receivables (Net of Unearned Income) - Quarterly Average | RCON3484 | $479K |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Other | RCONB562 | $335K |
Schedule RC-L: Derivatives and Off-Balance-Sheet Items (10 items)
About Schedule RC-L · Citizens State Bank of Loyal derivatives and off-balance-sheet items trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Gross Notional Amount of Interest Rate Derivative Contracts Held for Purposes Other Than Trading: Contracts Marked to Market | RCON8725 | $20.0M |
| Other Unused Commitments: Commercial and Industrial Loans | RCONJ457 | $9.7M |
| Other Unused Commitments: All Other Unused Commitments | RCONJ459 | $7.8M |
| Commercial Real Estate, Other Construction Loan and Land Development Loan Commitments | RCONF165 | $5.4M |
| Other unused commitments: Loans to nondepository financial institutions | RCONPV11 | $3.5M |
| Unused Commitments - Revolving, Open-end Lines Secured by 1-4 Family Residential Properties | RCON3814 | $2.0M |
| Performance Standby Letters of Credit | RCON3821 | $1.1M |
| Unused Commitments - Credit Card Lines | RCON3815 | $941K |
| 1-4 Family Residential Construction Loan Commitments | RCONF164 | $779K |
| All Other Off-balance Sheet Assets | RCON5591 | $121K |
Schedule RC-M: Memoranda (6 items)
About Schedule RC-M · Citizens State Bank of Loyal memoranda trends
| Line item | Code | Q2 2026 |
|---|---|---|
| FHLB Advances: Structured Advances | RCONF059 | $20.0M |
| FHLB Advances: Advances with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONF056 | $15.0M |
| FHLB Advances: Advances with a Remaining Maturity or Next Repricing Date of Over Five Years | RCONF058 | $5.0M |
| FHLB Advances: Advances with a Remaining Maturity or Next Repricing Date of Over Three Through Five Years | RCONF057 | $5.0M |
| Aggregate Amount of All Extensions of Credit to All Executive Officers, Directors, Principal Shareholders, and Their Related Interests | RCON6164 | $306K |
| Cost of equity securities with readily determinable fair values not held for trading | RCONJA29 | $4K |
Schedule RC-N: Past Due and Nonaccrual Loans, Leases, and Other Assets (6 items)
About Schedule RC-N · Citizens State Bank of Loyal 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 | $746K |
| Loans Secured by Real Estate (in Domestic Offices): Secured by Farmland - Past Due 30 Through 89 Days and Still Accruing | RCON3493 | $530K |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens-past Due 30 Thru 89 Days and Still Accruing | RCONC236 | $211K |
| Commercial and Industrial Loans - Past Due 30-89 Days and Still Accruing | RCON1606 | $5K |
| Commercial and Industrial Loans - Past Due 90 Days or More and Still Accruing | RCON1607 | $3K |
| Total Loans and Lease Financing Receivables: Past Due 90 Days or More and Still Accruing | RCON1407 | $3K |
Schedule RC-O: Other Data for Deposit Insurance Assessments (12 items)
About Schedule RC-O · Citizens State Bank of Loyal other data for deposit insurance assessments trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average Consolidated Total Assets for the Calendar Quarter | RCONK652 | $313.5M |
| Total Deposit Liabilities as Defined in Section 3(1) of the Federal Deposit Insurance Act Before Exclusions | RCONF236 | $250.4M |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of $250,000 or Less | RCONF049 | $159.5M |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF051 | $79.8M |
| Average Tangible Equity for the Calendar Quarter | RCONK654 | $36.4M |
| Amount of Retirement Deposits Accounts of $250,000 or Less | RCONF045 | $10.4M |
| Amount of Retirement Deposit Accounts of More Than $250,000 | RCONF047 | $718K |
| Number of Deposit Accounts (Excluding Retirement Accounts)of $250,000 or Less | RCONF050 | 10,644 |
| Number of Retirement Deposit Accounts of $250,000 or Less | RCONF046 | 424 |
| Number of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF052 | 107 |
| Number of Retirement Deposit Accounts of More Than $250,000 | RCONF048 | 2 |
| Averaging Method Used | RCONK653 | 1 |
Schedule RC-R, Part I: Regulatory Capital Components and Ratios (23 items)
About Schedule RC-R, Part I · Citizens State Bank of Loyal regulatory capital components and ratios trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average total consolidated assets | RCOAKW03 | $313.5M |
| Average Total Assets (Net of Deductions) | RCOAA224 | $313.2M |
| Total Assets | RCOA2170 | $311.5M |
| Subtotal of Common Equity Tier 1 Capital: Adjustments and Deductions | RCOAP852 | $36.2M |
| Common Equity Tier 1 Capital | RCOAP859 | $35.9M |
| Tier 1 Capital Allowable Under the Risk-based Capital Guidelines | RCOA8274 | $35.9M |
| Common Equity Tier 1 Capital Before Adjustments and Deductions | RCOAP840 | $31.8M |
| 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 | $30.3M |
| Off-balance sheet exposures: Unused portion of conditionally cancellable commitments | RCOAKX79 | $30.2M |
| Retained Earnings | RCOAKW00 | $29.7M |
| Investments in the [Tier 2] capital of unconsolidated financial institution | RCOALB61 | $9.3M |
| Common Equity Tier 1 Capital: Common Stock Plus Related Surplus, Net of Treasury Stock and Unearned Employee Stock Ownership Plan (ESOP) Shares | RCOAP742 | $6.5M |
| Accumulated Other Comprehensive Income | RCOAB530 | -$4.4M |
| Less: Net Unrealized Gains (Losses) on Available-for-sale Debt Securities (If a Gain, Report as a Positive Value, If a Loss, Report as a Negative Value) | RCOAP844 | -$4.2M |
| Less: Deductions from Common Equity Tier 1 Capital and Additional Tier 1 Capital (Sum of Items 6, 7, 8, 10.B, 11, 13 Through 17 and Certain Elements of Item 24 - See Instructions) | RCOAP875 | $275K |
| Less: Investments in the capital of unconsolidated financial institutions, net of associated DTLs, that exceed the 25 percent of line 12 | RCOALB58 | $275K |
| Total Adjustments and Deductions for Common Equity Tier 1 Capital | RCOAP858 | $275K |
| Accumulated Net Gains (Losses)on Cash-flow Hedges (If a Gain, Report as a Positive Value, If a Loss, Report as a Negative Value) | RCOAP846 | -$162K |
| Off-balance sheet exposures: Other off-balance sheet exposures | RCOAKX81 | $121K |
| 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 |
| Tier 1 Leverage Capital Ratio | RCOA7204 | 0.1148 |
| Total off-balance sheet exposures (sum of items 15a through 15.c) | RCOAKX83 | 0.0973 |
Schedule RI-A: Changes in Bank Equity Capital (5 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Equity Capital | RIAD3210 | $31.8M |
| Balance End of Previous Calendar Year as Restated | RIADB508 | $30.7M |
| Equity Capital, Most Recently Reported for the End of Previous Calendar Year (I.e., After Adjustments from Amended Reports of Income) | RIAD3217 | $30.7M |
| Cash Dividends Declared on Common Stock | RIAD4460 | $800K |
| Other Comprehensive Income | RIADB511 | $137K |
Schedule RI-B, Part I: Charge-offs and Recoveries on Loans and Leases (6 items)
About Schedule RI-B, Part I · Citizens State Bank of Loyal charge-offs and recoveries on loans and leases trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Charge-offs on Allowance for Loan and Lease Losses | RIAD4635 | $9K |
| Charge-offs on Lease Financing Receivables | RIAD4266 | $5K |
| Charge-offs on All Other Loans | RIAD4644 | $4K |
| Recoveries on Allowance for Loan and Lease Losses | RIAD4605 | $4K |
| Recoveries on Lease Financing Receivables | RIAD4267 | $3K |
| Recoveries on All Other Loans | RIAD4628 | $1K |
Schedule RI-B, Part II: Changes in Allowances for Credit Losses (7 items)
About Schedule RI-B, Part II · Citizens State Bank of Loyal changes in allowances for credit losses trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Allowance for Loan and Lease Losses | RIAD3123 | $2.0M |
| Balance Most Recently Reported for the December 31, 2000, Reports of Condition and Income(i.e., After Adjustments from Amended Report of Income) | RIADB522 | $1.9M |
| Balance end of current period, Held-to-maturity debt securities | RIADJH93 | $37K |
| Provisions for credit losses on off-balance-sheet exposures | RIADMG93 | -$37K |
| Balance most recently reported for end of previous calendar year, Report of Condition and Income Held-to-maturity debt securities (i.e., after adjustments from amended Reports of Income) | RIADJH88 | $31K |
| Charge-offs on Allowance for Loan and Lease Losses | RIADC079 | $9K |
| Provisions for credit losses, Held-to-maturity debt securities | RIADJH90 | $6K |
Schedule SU: Supplemental Information (2 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Outstanding Principal Balance of Closed End 1-4 Family Residential Mortgage Loans Serviced for Others Plus the Total Outstanding Principal Balance of Other Financial Assets Serviced for Others If More Than $10 Million | RCONFT12 | $34.7M |
| Total Outstanding Principal Balance of Assets Sold by the Reporting Institution with Recourse or Other Seller Provided Credit Enhancements, But Not Securitized by the Reporting Institution | RCONFT10 | $18.6M |
Citizens State Bank of Loyal 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 of Loyal call report?
The Citizens State Bank of Loyal 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 of Loyal file?
Citizens State Bank of Loyal 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 of Loyal 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 of Loyal has Federal Reserve RSSD ID 479446 and FDIC certificate number 6186. Either one finds its filings on the FFIEC Central Data Repository.
How often does Citizens State Bank of Loyal 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 of Loyal 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 6186) · FFIEC NIC profile (RSSD 479446)