Bank call report · Atlanta, GA
Citizens Trust Bank Call Report
BankRegReports is independent of Citizens Trust Bank and never asks for online banking logins or passwords.
Citizens Trust Bank filed its latest call report for the quarter ended June 30, 2026 on the FFIEC 041. Below are its 390 reported line items, schedule by schedule (851 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 | 680130 |
| FDIC certificate number | 8033 |
| Total assets | $790.3M |
Official Q2 2026 call report PDF (FFIEC) →
Citizens Trust 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 041.
Schedule RC: Balance Sheet (26 items)
About Schedule RC · Citizens Trust Bank balance sheet trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Assets | RCON2170 | $790.3M |
| Total Liabilities, Limited-life Preferred Stock, and Equity Capital | RCON3300 | $790.3M |
| Total Liabilities and Minority Interest | RCON2948 | $691.6M |
| Total Deposits | RCON2200 | $678.1M |
| Total Interest-bearing Deposits in Foreign and Domestic Offices | RCON6636 | $400.9M |
| Loans and Leases, Net of Unearned Income - Totals | RCONB528 | $389.8M |
| Loans and Leases, Net of Unearned Income and Allowance | RCONB529 | $384.9M |
| Available-for-sale debt securities (from Schedule RC-B, column D) | RCON1773 | $291.6M |
| Deposits: Noninterest-bearing | RCON6631 | $277.2M |
| Total Equity Capital | RCON3210 | $98.7M |
| Total Equity Capital Including Noncontrolling Minority Interests in Consolidated Subsidiaries | RCONG105 | $98.7M |
| Undivided Profits and Capital Reserves | RCON3632 | $93.8M |
| Federal Funds Sold | RCONB987 | $37.4M |
| Other Assets | RCON2160 | $33.7M |
| Interest-bearing Balances | RCON0071 | $33.6M |
| Other Liabilities, Total | RCON2930 | $12.9M |
| Surplus | RCON3839 | $11.4M |
| Accumulated Other Comprehensive Income | RCONB530 | -$7.9M |
| Premises and Fixed Assets (Including Capitalized Leases) | RCON2145 | $5.4M |
| Allowance for Loan and Lease Losses | RCON3123 | $4.9M |
| Noninterest-bearing Balances and Currency and Coin | RCON0081 | $2.5M |
| Common Stock | RCON3230 | $1.5M |
| Other Real Estate Owned | RCON2150 | $748K |
| Other Borrowed Money | RCON3190 | $585K |
| Goodwill | RCON3163 | $362K |
| Intangible Assets | RCON2143 | $362K |
Schedule RI: Income Statement (40 items)
About Schedule RI · Citizens Trust Bank income statement trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Interest Income | RIAD4107 | $19.4M |
| Net Interest Income | RIAD4074 | $16.0M |
| Interest and Fee Income on Loans, Total | RIAD4010 | $11.8M |
| Total Noninterest Expense | RIAD4093 | $9.9M |
| Income (Loss) Before Applicable Income Taxes and Discontinued Operations | RIAD4301 | $8.1M |
| 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 | $8.1M |
| Interest and Fee Income on All Other Loans Secured by Real Estate | RIAD4436 | $6.4M |
| Income (Loss) Before Discontinued Operations | RIAD4300 | $6.2M |
| Net Income (Loss) | RIAD4340 | $6.2M |
| Net Income (Loss) Attributable to Bank and Noncontrolling Minority Interests | RIADG104 | $6.2M |
| Interest and Dividend Income on Securities: Mortgage-backed Securities | RIADB489 | $5.2M |
| Salaries and Employee Benefits | RIAD4135 | $5.1M |
| Other Noninterest Expense | RIAD4092 | $3.9M |
| Total Interest Expense | RIAD4073 | $3.4M |
| Interest and Fee Income on Commercial and Industrial Loans | RIAD4012 | $3.1M |
| Total Noninterest Income | RIAD4079 | $2.4M |
| Applicable Income Taxes | RIAD4302 | $1.9M |
| Interest and Fee Income on Loans Secured by 1-4 Family Residential Properties | RIAD4435 | $1.7M |
| Savings Deposits (Including Mmdas) | RIAD0093 | $1.4M |
| Other Noninterest Income | RIADB497 | $1.3M |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of 250000 or Less | RIADHK03 | $1.3M |
| Service Charges on Deposit Accounts in Domestic Offices | RIAD4080 | $1.1M |
| Interest Income on Balances Due from Depository Institutions | RIAD4115 | $970K |
| Expenses of Premises and Fixed Assets | RIAD4217 | $947K |
| Interest Income on Federal Funds Sold and Securities Purchased Under Agreements to Resell | RIAD4020 | $696K |
| Interest on Transaction Accounts (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) | RIAD4508 | $696K |
| 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 | $464K |
| Interest and Dividend Income on Securities: U.S. Treasury Securities and U.S. Government Agency Obligations (Excluding Mortgage-backed Securities) | RIADB488 | $368K |
| Interest on Other Securities | RIAD4060 | $355K |
| Provision for Loan and Lease Losses | RIAD4230 | $338K |
| Provisions for Credit Losses on Financial Assets | RIADJJ33 | $338K |
| Loans to Individuals for Households, Family, and Other Personal Expenditures: Credit Cards | RIADB485 | $162K |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of More Than 250000 | RIADHK04 | $93K |
| Other Interest Income | RIAD4518 | $34K |
| Interest and Dividend Income on Tax-exempt Securities Issued by States and Political Subdivisions in the U.S. | RIAD4507 | $27K |
| Interest and Fee Income on All Other Loans in Domestic Offices | RIAD4058 | $17K |
| Estimated Income on Tax-exempt Loans and Leases to States and Political Subdivisions in the U.S. | RIAD4313 | $9K |
| Interest Expense Incurred to Carry Tax-exempt Securities, Loans, and Leases Acquired After August 7, 1986, That Is Not Deductible for Federal Income Tax Purposes | RIAD4513 | $8K |
| Net Gains (Losses) on Other Real Estate Owned | RIAD5415 | -$3K |
| Number of Full Time Equivalent Employees on Payroll at End of Current Period | RIAD4150 | 81 |
Schedule RC-A: Cash and Balances Due from Depository Institutions (5 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Cash and Balances Due from Depository Institutions | RCON0010 | $36.1M |
| Balances Due from Federal Reserve Banks | RCON0090 | $22.8M |
| Balances Due from Depository Institutions in the U.S. | RCON0082 | $10.8M |
| Currency and Coin | RCON0080 | $2.5M |
| Cash Items in Process of Collection and Unposted Debits | RCON0020 | $1K |
Schedule RC-B: Securities (39 items)
About Schedule RC-B · Citizens Trust Bank securities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Mortgage-backed Securities (MBS): Residential Pass-through Securities: Guaranteed by GNMA: Available-for-sale Amortized Cost | RCONG302 | $2.4M |
| Mortgage-backed Securities (MBS): Residential Pass-through Securities: Guaranteed by GNMA: Available-for-sale Fair Value | RCONG303 | $2.4M |
| Mortgage-backed Securities (MBS): Residential Pass-through Securities: Issued by FNMA and FHLMC: Available-for-sale Amortized Cost | RCONG306 | $42.0M |
| Mortgage-backed Securities (MBS): Residential Pass-through Securities: Issued by FNMA and FHLMC: Available-for-sale Fair Value | RCONG307 | $39.8M |
| 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 | $74.4M |
| Mortgage-backed Securities (MBS): Other Residential MBS (Include Cmos, REMICS, and Stripped MBS): Issued or Guaranteed by FNMA, FHLMC, or GNMA - Available-for-sale Fair Value | RCONG315 | $71.4M |
| Mortgage-backed Securities (MBS): Other Residential MBS (Include Cmos, REMICS, and Stripped MBS): All Other Residential MBS - Available-for-sale Amortized Cost | RCONG322 | $9.5M |
| Mortgage-backed Securities (MBS): Other Residential MBS (Include Cmos, REMICS, and Stripped MBS): All Other Residential MBS - Available-for-sale Fair Value | RCONG323 | $8.7M |
| Total Amortized Cost of Available-for-sale Securities | RCON1772 | $302.3M |
| Mortgage-backed Securities (Mbs):commercial MBS: Other Commercial MBS :Issued or Guaranteed by Fnma,fhlmc or GNMA: Available-for-sale Amortized Cost | RCONK152 | $112.4M |
| Mortgage-backed Securities (Mbs):commercial MBS: Other Commercial MBS :Issued or Guaranteed by Fnma,fhlmc or GNMA: Available-for-sale Fair Value | RCONK153 | $110.0M |
| OTHER MORTGAGE-BACKED SECURITIES (INCLUDE CMOs, REMICs, AND STRIPPED MBS) WITH AN EXPECTED AVERAGE LIFE OF OVER THREE YEARS | RCONA562 | $108.0M |
| Pledged Securities | RCON0416 | $89.9M |
| OTHER MORTGAGE-BACKED SECURITIES (INCLUDE CMOs, REMICs, AND STRIPPED MBS) WITH AN EXPECTED AVERAGE LIFE OF THREE YEARS OR LESS | RCONA561 | $82.1M |
| 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 | $28.2M |
| 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 | $21.9M |
| 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 Three Years Through Five Years | RCONA552 | $21.6M |
| 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 | $21.5M |
| US government agency obligations (exclude mortgage-backed securities), Available for sale, Amortized Cost | RCONHT52 | $15.8M |
| US government agency obligations (exclude mortgage-backed securities), Available for sale, Fair Value | RCONHT53 | $15.0M |
| 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 Three Months of Less | RCONA549 | $14.0M |
| Amortized Cost of Available-for-sale Securities Issued by States and Political Subdivisions in the U.S. | RCON8498 | $12.3M |
| Fair Value of Available-for-sale Securities Issued by States and Political Subdivisions in the U.S. | RCON8499 | $11.7M |
| 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 | $10.9M |
| Amortized Cost of Other Available-for-sale Domestic Debt Securities | RCON1739 | $10.2M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONA551 | $10.2M |
| Fair Value of Other Available-for-sale Domestic Debt Securities | RCON1741 | $9.9M |
| 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 Five Years Through Fifteen Years | RCONA553 | $8.4M |
| Fixed Rate and Floating Rate Debt Securities with a Remaining Maturity of One Year or Less | RCONA248 | $7.4M |
| 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 | $4.5M |
| 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 One Year Through Three Years | RCONA557 | $1.7M |
| Asset-backed securities and structured financial products, Structured financial products, Available for sale, Amortized Cost | RCONHT60 | $1.3M |
| Asset-backed securities and structured financial products, Structured financial products, Available for sale, Fair Value | RCONHT61 | $1.3M |
| Guaranteed by U.S. Government Agencies or Sponsored Agencies Included in Schedule Rc-b, Item 5.B - Available-for-sale, Fair Value | RCONPV01 | $1.3M |
| Structured financial products guaranteed by U.S. Government agencies or sponsored agencies included in Schedule HC-B, item 5.b -- Available-for-sale: Amortized Cost | RCONPV00 | $1.3M |
| 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 | $594K |
| 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 Months Through 12 Months | RCONA556 | $589K |
| 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 | $552K |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONA555 | $135K |
Schedule RC-C, Part I: Loans and Leases (42 items)
About Schedule RC-C, Part I · Citizens Trust Bank loans and leases trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Loans and Leases, Net of Unearned Income | RCON2122 | $389.8M |
| Pledged Loans and Leases | RCONG378 | $222.9M |
| Fixed Rate and Floating Rate Loans and Leases with a Remaining Maturity of One Year or Less | RCONA247 | $167.4M |
| 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 Three Months or Less | RCONA570 | $140.0M |
| Commercial and Industrial Loans | RCON1766 | $105.2M |
| Commercial and Industrial Loans to U.S. Addressees | RCON1763 | $105.2M |
| Loans Secured by Owner Occupied Nonfarm Nonresidential Properties | RCONF160 | $74.7M |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by First Liens | RCON5367 | $67.0M |
| 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 One Year Through Three Years | RCONA572 | $64.3M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Years Through Five Years | RCONA573 | $60.7M |
| Loans Secured by Other Nonfarm Nonresidential Properties. | RCONF161 | $55.7M |
| Loans Secured by Other Construction Loans and All Land Development and Other Land Loans | RCONF159 | $42.8M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over 15 Years | RCONA569 | $31.3M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Months Through 12 Months | RCONA571 | $27.0M |
| 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 | $20.7M |
| Adjustable Rate Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties | RCON5370 | $19.5M |
| Real Estate Loans Secured by Multi-family (5 or More) Residential Properties | RCON1460 | $18.9M |
| 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 | $14.2M |
| 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 Five Years Through 15 Years | RCONA568 | $9.8M |
| Other Consumer Loans to Individuals for Household, Family, and Other Personal Expenditures (Includes Single Payment, Installment, and All Student Loans) | RCONK207 | $9.4M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over One Year Through Three Years | RCONA566 | $8.1M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over 15 Years | RCONA575 | $6.6M |
| Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit | RCON1797 | $6.3M |
| Loans Secured by 1-4 Family Residential Construction | RCONF158 | $4.9M |
| Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper): Credit Cards | RCONB538 | $2.6M |
| Total Loan Modifications to Borrowers Experiencing Financial Difficulty That Are in Compliance with Their Modified Terms | RCONHK25 | $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 | $1.7M |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by Junior Liens | RCON5368 | $1.4M |
| Automobile Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper) | RCONK137 | $1.2M |
| Loan Modifications to Borrowers Experiencing Financial Difficulty - Construction, Land Development, and Other Land Loans: Secured by Nonfarm Nonresidential Properties: Loans Secured by Owner-occupied Nonfarm Nonresidential Properties | RCONK161 | $921K |
| Loan Modifications to Borrowers Experiencing Financial Difficulty - Construction, Land Development, and Other Land Loans: Secured by Multifamily (5 or More) Nonresidential Properties | RCONK160 | $853K |
| Unearned Income on Loans | RCON2123 | $785K |
| Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper): Other Revolving Credit Plans | RCONB539 | $316K |
| 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 | $284K |
| Loan Modifications to Borrowers Experiencing Financial Difficulty - Commercial and Industrial Loans | RCONK256 | $199K |
| Loan Modifications to Borrowers Experiencing Financial Difficulty - Commercial and Industrial Loans: to U.S. Addressees (Domicile) | RCONK163 | $199K |
| Obligations (Other Than Securities and Leases) of States and Political Subdivisions in the U.S. | RCON2107 | $107K |
| Loans to Nondepository Financial Institutions and Other Loans: Other Loans: All Other Loans (Exclude Consumer Loans) | RCONJ451 | $97K |
| Other Loans | RCONJ464 | $97K |
| 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 | $34K |
| Loan Modifications to Borrowers Experiencing Financial Difficulty - All Other Loans | RCONK165 | $12K |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Other Consumer Loans That Exceed 10 Percent of Total Loan Modifications to Borrowers Experiencing Financial Difficulty That Are in Compliance with Their Modified Terms | RCONK204 | $12K |
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 | $30.7M |
| 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 | $12.1M |
| 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 | $6.5M |
| 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 | $2.8M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5571 | $2.4M |
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5565 | $592K |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5570 | 79 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5568 | 75 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5566 | 55 |
| 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 | 32 |
| 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 | 27 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5564 | 18 |
Schedule RC-E: Deposit Liabilities (29 items)
About Schedule RC-E · Citizens Trust Bank deposit liabilities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Transaction Accounts | RCON2215 | $396.3M |
| Total Transaction Accounts - Deposits of Individuals, Partnerships, and Corporation | RCONB549 | $336.0M |
| Total Nontransaction Accounts (Including Mmda's) | RCON2385 | $281.9M |
| Total Demand Deposits (See Note Below) | RCON2210 | $277.2M |
| Total Nontransaction Accounts Deposits of Individuals, Partnerships, and Corporations | RCONB550 | $217.2M |
| Total reciprocal deposits | RCONJH83 | $113.9M |
| Money Market Deposit Accounts (Mmda's) | RCON6810 | $108.1M |
| Time Deposits of 250000 or Less with a Remaining Maturity of One Year or Less | RCONHK11 | $96.2M |
| Components of Total Nontransaction Accounts: Total Time Deposits of $100,000 Through $250,000 | RCONJ473 | $82.1M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONHK08 | $65.5M |
| Total Nontransaction Accounts of States and Political Subdivisions in the U.S. | RCON2530 | $63.9M |
| Other Nontransaction Savings Deposits (Excludes Mmda's) | RCON0352 | $59.8M |
| Total Transaction Accounts - Deposits of States and Political Subdivisions in the U.S. | RCON2203 | $58.5M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONHK07 | $30.6M |
| Total Time Deposits of Less Than $100,000 | RCON6648 | $21.2M |
| Components of Total Nontransaction Accounts: Total Time Deposits of More Than $250,000 | RCONJ474 | $10.7M |
| Time Deposits of More Than $250,000 with a Remaining Maturity of One or Year Less | RCONK222 | $8.2M |
| 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 One Year Through Three Years | RCONHK09 | $5.8M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONHK13 | $4.7M |
| All Time and Savings Deposits Held in IRA and Keogh Plan Accounts | RCON6835 | $3.6M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONHK12 | $3.5M |
| 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 One Year Through Three Years | RCONHK14 | $2.5M |
| Total Transaction Accounts - Deposits of Commercial Banks and Other Depository Institutions in the U.S. | RCONB551 | $1.7M |
| Individual Retirement Accounts (Iras) and Keogh Plan Accounts Included in Memorandum Item 2.C, 'Total Time Deposits of $100,000 or More,' Above | RCONF233 | $1.7M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over Three Years | RCONHK10 | $1.4M |
| Selected Components of Total Deposits, Brokered Deposits of 250000 or Less (Fully Insured Brokered Deposits) | RCONHK05 | $901K |
| Selected Components of Total Deposits, Brokered Deposits of 250000 or Less with a Remaining Maturity of One Year or Less | RCONHK06 | $901K |
| Total Brokered Deposits | RCON2365 | $901K |
| Total Nontransaction Accounts of Commercial Banks and Other Depository Institutions in the U.S. | RCONB552 | $710K |
Schedule RC-F: Other Assets (6 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Life Insurance Assets: General Account Life Insurance Assets | RCONK201 | $21.1M |
| Net Deferred Tax Assets | RCON2148 | $5.4M |
| Accrued Interest Receivable | RCONB556 | $3.1M |
| Other Assets | RCON2168 | $3.1M |
| Historical Cost of All Other Available-for-sale Equity Securities | RCON1752 | $1.1M |
| Prepaid Expenses | RCON2166 | $1.0M |
Schedule RC-G: Other Liabilities (5 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Other Expenses Accrued and Unpaid | RCON3646 | $7.0M |
| All Other Liabilities | RCON2938 | $4.8M |
| Deferred Compensation Liabilities | RCONC011 | $4.5M |
| Interest Accrued and Unpaid on Deposits (in Domestic Offices) | RCON3645 | $657K |
| Allowance for Credit Losses on Off-balance Sheet Credit Exposures | RCONB557 | $407K |
Schedule RC-K: Quarterly Averages (17 items)
About Schedule RC-K · Citizens Trust Bank quarterly averages trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Quarterly Average of Total Assets | RCON3368 | $803.0M |
| Quarterly Average of Total Loans | RCON3360 | $386.8M |
| Mortgage-backed Securities | RCONB559 | $256.4M |
| Quarterly Average of All Other Loans Secured by Real Estate | RCON3466 | $191.1M |
| Nontransaction Accounts in Domestic Offices: Savings Deposits | RCONB563 | $166.2M |
| Transaction Accounts (in Domestic Offices) (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) - Quarterly Average | RCON3485 | $117.5M |
| Quarterly Average of Commercial and Industrial Loans | RCON3387 | $109.9M |
| Liabilities, Nontransaction Accounts, Time Deposits of 250000 or Less | RCONHK16 | $103.4M |
| Quarterly Average of Loans Secured by 1-4 Family Residential Properties | RCON3465 | $71.0M |
| Quarterly Average of Interest-bearing Balances Due from Depository Institutions | RCON3381 | $45.1M |
| Quarterly Average of Federal Funds Sold and Securities Purchased Under Agreements to Resell | RCON3365 | $37.2M |
| All Other Securities | RCONB560 | $22.7M |
| U.S. Treasury Securities and U.S. Government Agency Obligations (Excluding Mortgage-backed Securities) | RCONB558 | $21.1M |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Other | RCONB562 | $12.1M |
| Liabilities, Nontransaction Accounts, Time Deposits of More Than 250000 | RCONHK17 | $10.6M |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Credit Cards | RCONB561 | $2.7M |
| Quarterly Average of Other Borrowed Money | RCON3355 | $642K |
Schedule RC-L: Derivatives and Off-Balance-Sheet Items (11 items)
About Schedule RC-L · Citizens Trust Bank derivatives and off-balance-sheet items trends
| Line item | Code | Q2 2026 |
|---|---|---|
| All Other Off-balance Sheet Liabilities | RCON3430 | $36.0M |
| Standby Letters of Credit Issued by a Federal Home Loan Bank on the Bank's Behalf | RCONC978 | $36.0M |
| Commercial Real Estate, Other Construction Loan and Land Development Loan Commitments | RCONF165 | $23.3M |
| Other Unused Commitments: Commercial and Industrial Loans | RCONJ457 | $23.1M |
| Unused Commitments - Credit Card Lines | RCON3815 | $12.0M |
| Credit Card Lines: Unused Consumer Credit Card Lines | RCONJ455 | $9.4M |
| 1-4 Family Residential Construction Loan Commitments | RCONF164 | $6.0M |
| Other Unused Commitments: All Other Unused Commitments | RCONJ459 | $2.8M |
| Credit Card Lines: Other Unused Credit Card Lines | RCONJ456 | $2.7M |
| Unused Commitments - Revolving, Open-end Lines Secured by 1-4 Family Residential Properties | RCON3814 | $1.5M |
| Financial Standby Letters of Credit and Foreign Office Guarantees | RCON3819 | $5K |
Schedule RC-M: Memoranda (11 items)
About Schedule RC-M · Citizens Trust 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 | $13.5M |
| Outstanding balance of PPP loans | RCONLG27 | $2.0M |
| All Other Real Estate Owned: Nonfarm Nonresidential Properties in Domestic Offices | RCON5512 | $748K |
| Secured Liabilities: Amount of 'Other Borrowings' That Are Secured | RCONF065 | $579K |
| Other Borrowed Money: Other Borrowings with a Remaining Maturity or Next Repricing Date of One Year or Less | RCONF060 | $403K |
| Other Borrowings: with a Remaining Maturity of One Year or Less | RCONB571 | $403K |
| Other Borrowed Money: Other Borrowings with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONF061 | $176K |
| FHLB Advances (Loans) Due in One Year or Less | RCON2651 | $6K |
| FHLB Advances: Advances with a Remaining Maturity or Next Repricing Date of One Year or Less | RCONF055 | $6K |
| 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 |
| Number of outstanding PPP Loans | RCONLG26 | 1 |
Schedule RC-N: Past Due and Nonaccrual Loans, Leases, and Other Assets (32 items)
About Schedule RC-N · Citizens Trust Bank past due and nonaccrual loans, leases, and other assets trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Loans and Lease Finance Receivables: Nonaccrual | RCON1403 | $6.0M |
| Total Loans and Lease Financing Receivables: Past Due 30-89 Days and Still Accruing | RCON1406 | $4.8M |
| Additions to Nonaccrual Assets | RCONC410 | $2.8M |
| Loans Secured by Owner-occupied Nonfarm Nonresidential Properties, Nonaccrual | RCONF182 | $2.3M |
| Commercial and Industrial Loans - Past Due 30-89 Days and Still Accruing | RCON1606 | $2.2M |
| Guaranteed Portion of Loans and Leases Included in Item 10, Excluding Rebooked 'Gnma Loans' Past Due 30 Through 89 Days and Still Accruing | RCONK039 | $1.9M |
| Loans and Leases Reported in the Past Due and Nonaccrual Loans, Leases and Other Assets Which Are Wholly or Partially Guaranteed by the U.S. Government , Excluding Loans and Leases Covered by Loss-sharing Agreements with the FDIC - Past Due 30 Through 89 Days and Still Accruing | RCONK036 | $1.9M |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens-nonaccural | RCONC229 | $1.6M |
| 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 | $1.0M |
| Loans Secured by Owner-occupied Nonfarm Nonresidential Properties, 30-89 Days Past Due | RCONF178 | $976K |
| Loans Secured by Other Nonfarm Nonresidential Properties, Nonaccrual | RCONF183 | $696K |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens-past Due 30 Thru 89 Days and Still Accruing | RCONC236 | $667K |
| Other Construction Loans and All Land Development and Other Land Loans, Past Due 31 - 89 Days | RCONF173 | $589K |
| Loan Modifications to Borrowers Experiencing Financial Difficulty Secured by 1-4 Residential Properties (in Domestic Offices) - Nonaccrual | RCONF663 | $546K |
| 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 - Nonaccrual | RCON5400 | $532K |
| Loan Modifications to Borrowers Experiencing Financial Difficulty Loans Secured by Owner Occupied Nonfarm Nonresidential Properties: Nonaccrual | RCONK116 | $482K |
| Commercial and Industrial Loans - Nonaccrual | RCON1608 | $476K |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Credit Cards - Past Due 90 Days or More and Still Accruing | RCONB576 | $313K |
| Total Loans and Lease Financing Receivables: Past Due 90 Days or More and Still Accruing | RCON1407 | $313K |
| Other Construction Loans and All Land Development and Other Land Loans, Nonaccrual | RCONF177 | $184K |
| Loans and Leases Reported in the Past Due and Nonaccrual Loans, Leases and Other Assets Which Are Wholly or Partially Guaranteed by the U.S. Government , Excluding Loans and Leases Covered by Loss-sharing Agreements with the FDIC - Nonaccrual | RCONK038 | $183K |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Other - Nonaccrual | RCONK218 | $175K |
| Guaranteed Portion of Loans and Leases Included in Item 10, Excluding Rebooked 'Gnma Loans' : Nonaccrual | RCONK041 | $165K |
| Loans Secured by Other Nonfarm Nonresidential Properties, 30-89 Days Past Due | RCONF179 | $148K |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Credit Cards - Past Due 30 Through 89 Days and Still Accruing | RCONB575 | $81K |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Automobile Loans - Past Due 30 Through 89 Days and Still Accruing | RCONK213 | $78K |
| 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 | $74K |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by Junior Liens-nonaccural | RCONC230 | $50K |
| Itemize Loan Modifications to Borrowers Experiencing Financial Difficulty Other Consumer (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) Loans to Individuals for Household, Family, and Other Personal Expenditures: Nonaccrual | RCONK282 | $16K |
| Loan Modifications to Borrowers Experiencing Financial Difficulty : All Other Loans - Nonaccrual | RCONK128 | $16K |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Automobile Loans - Nonaccrual | RCONK215 | $9K |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Other - Past Due 30 Through 89 Days and Still Accruing | RCONK216 | $5K |
Schedule RC-O: Other Data for Deposit Insurance Assessments (12 items)
About Schedule RC-O · Citizens Trust Bank other data for deposit insurance assessments trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average Consolidated Total Assets for the Calendar Quarter | RCONK652 | $803.0M |
| Total Deposit Liabilities as Defined in Section 3(1) of the Federal Deposit Insurance Act Before Exclusions | RCONF236 | $678.8M |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF051 | $382.4M |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of $250,000 or Less | RCONF049 | $292.7M |
| Average Tangible Equity for the Calendar Quarter | RCONK654 | $107.5M |
| Amount of Retirement Deposits Accounts of $250,000 or Less | RCONF045 | $3.1M |
| Amount of Retirement Deposit Accounts of More Than $250,000 | RCONF047 | $569K |
| Number of Deposit Accounts (Excluding Retirement Accounts)of $250,000 or Less | RCONF050 | 19,337 |
| Number of Retirement Deposit Accounts of $250,000 or Less | RCONF046 | 291 |
| Number of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF052 | 224 |
| Number of Retirement Deposit Accounts of More Than $250,000 | RCONF048 | 2 |
| Averaging Method Used | RCONK653 | 1 |
Schedule RC-R: Regulatory Capital (1 item)
About Schedule RC-R · Citizens Trust Bank 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 | $467.5M |
Schedule RC-R, Part I: Regulatory Capital Components and Ratios (23 items)
About Schedule RC-R, Part I · Citizens Trust Bank regulatory capital components and ratios trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average total consolidated assets | RCOAKW03 | $803.0M |
| Average Total Assets (Net of Deductions) | RCOAA224 | $802.7M |
| Risk-weighted Assets (Net of Allowances and Other Deductions) | RCOAA223 | $467.5M |
| Total Qualifying Capital Allowable Under the Risk-based Capital Guidelines | RCOA3792 | $111.6M |
| Common Equity Tier 1 Capital | RCOAP859 | $106.3M |
| Subtotal of Common Equity Tier 1 Capital: Adjustments and Deductions | RCOAP852 | $106.3M |
| Tier 1 Capital Allowable Under the Risk-based Capital Guidelines | RCOA8274 | $106.3M |
| Common Equity Tier 1 Capital Before Adjustments and Deductions | RCOAP840 | $98.7M |
| Retained Earnings | RCOAKW00 | $93.8M |
| Common Equity Tier 1 Capital: Common Stock Plus Related Surplus, Net of Treasury Stock and Unearned Employee Stock Ownership Plan (ESOP) Shares | RCOAP742 | $12.9M |
| Accumulated Other Comprehensive Income | RCOAB530 | -$7.9M |
| 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 | -$7.9M |
| General Loan and Lease Valuation Allowances | RCOA5310 | $5.3M |
| Tier 2 (Supplementary) Capital | RCOA5311 | $5.3M |
| Tier 2 Capital Before Deductions | RCOAP870 | $5.3M |
| Goodwill Net of Associated Deferred Tax Liabilities (Dtls) | RCOAP841 | $362K |
| 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 | $362K |
| A. AOCI Opt-out Election (Enter '1' for Yes, Enter '0' for No.) | RCOAP838 | 1 |
| Total Risk-based Capital Ratio | RCOA7205 | 0.2387 |
| Common Equity Tier 1 Capital Ratio | RCOAP793 | 0.2273 |
| Tier 1 Risk-based Capital Ratio | RCOA7206 | 0.2273 |
| Institution-specific Capital Buffer Necessary to Avoid Limitations on Distributions and Discretionary Bonus Payments: Capital Conservation Buffer | RCOAH311 | 0.1587 |
| Tier 1 Leverage Capital Ratio | RCOA7204 | 0.1324 |
Schedule RC-R, Part II: Risk-Weighted Assets (54 items)
About Schedule RC-R, Part II · Citizens Trust Bank 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 | $467.5M |
| Total Risk-weighted Assets | RCONG641 | $467.5M |
| Risk-weighted Assets by Risk-weighted Category - 100 Pct Risk Weight Category | RCONG637 | $386.6M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 100 Pct Risk Weight Category | RCONG633 | $386.6M |
| Total Balance Sheet Assets - 100 Pct Risk Weight Category | RCOND990 | $360.2M |
| Total Loans and Leases, Net of Unearned Income, All Other Exposures | RCONS457 | $308.7M |
| Loans and Leases, Net of Unearned Income, All Other Exposures - 100 Pct Risk Weight Category | RCONS462 | $303.4M |
| Available-for-sale debt securities and equity securities with readily determinable fair values not held for trading purposes, Total Fair Value | RCONJA21 | $291.6M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 0 Pct Risk Weight Category | RCONG630 | $193.8M |
| Total Balance Sheet Assets - 0 Pct Risk Weight Category | RCOND987 | $193.8M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 20 Pct Risk Weight Category | RCONG631 | $171.2M |
| Total Balance Sheet Assets - 20 Pct Risk Weight Category | RCOND988 | $171.2M |
| Available-for-sale Securities - 0 Pct Risk Weight Category | RCOND967 | $159.0M |
| Available-for-sale Securities - 20 Pct Risk Weight Category | RCOND968 | $124.7M |
| Total Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures | RCONS439 | $74.7M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 50 Pct Risk Weight Category | RCONG632 | $73.9M |
| Total Balance Sheet Assets - 50 Pct Risk Weight Category | RCOND989 | $73.9M |
| Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures - 50 Pct Risk Weight Category | RCONS442 | $65.4M |
| Unused Commitments, Original Maturity Exceeding One Year - Face, Notional, or Other Amount | RCONG624 | $51.7M |
| Total All Other Assets | RCOND981 | $40.2M |
| Federal Funds Sold in Domestic Offices | RCOND971 | $37.4M |
| Federal Funds Sold in Domestic Offices - 20 Pct Risk Weight Category | RCOND973 | $37.4M |
| All Other Assets - 100 Pct Risk Weight Category | RCOND985 | $37.3M |
| Risk-weighted Assets by Risk-weighted Category - 50 Pct Risk Weight Category | RCONG636 | $36.9M |
| Total Cash and Balances Due from Depository Institutions | RCOND957 | $36.1M |
| Risk-weighted Assets by Risk-weighted Category - 20 Pct Risk Weight Category | RCONG635 | $34.2M |
| Cash and Balances Due from Depository Institutions - 0 Pct Risk Weight Category | RCOND958 | $28.1M |
| Unused Commitments, Original Maturity Exceeding One Year - Credit Equivalent Amount | RCONG625 | $25.9M |
| Unused Commitments, Original Maturity Exceeding One Year - 100 Pct Risk Weight Category | RCONG629 | $25.9M |
| Total Balance Sheet Assets - Adjustments to Total Reported in Column a | RCONS500 | -$15.3M |
| Unconditionally Cancellable Commitments | RCONS540 | $14.6M |
| Available-for-sale Securities - Adjustment to Totals Reported in Column a | RCONS402 | -$10.7M |
| Available-for-sale Securities - 100 Pct Risk Weight Category | RCOND970 | $10.2M |
| Risk-weighted Assets by Risk-weighted Category - 150 Pct Risk Weight Category | RCONS572 | $9.8M |
| Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures - 100 Pct Risk Weight Category | RCONS443 | $9.3M |
| Available-for-sale Securities - 50 Pct Risk Weight Category | RCOND969 | $8.4M |
| Cash and Balances Due from Depository Institutions - 20 Pct Risk Weight Category | RCOND959 | $8.0M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 150 Pct Risk Weight Category | RCONS561 | $6.5M |
| Total Balance Sheet Assets - 150 Pct Risk Weight Category | RCONS503 | $6.5M |
| Loans and Leases, Net of Unearned Income, All Other Exposures - 0 Pct Risk Weight Category | RCONS459 | $5.2M |
| Loans and Leases, Net of Unearned Income, Exposures Past Due 90 Days or More or on Nonaccrual - 150 Pct Risk Weight Category | RCONS455 | $4.2M |
| Total Loans and Leases, Net of Unearned Income, Exposures Past Due 90 Days or More or on Nonaccrual | RCONS449 | $4.2M |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, Face, Notional or Other Amount | RCONS525 | $2.5M |
| Loans and Leases, Net of Unearned Income, High Volatility Commercial Real Estate Exposures - 150 Pct Risk Weight Category | RCONS447 | $2.3M |
| Total Loans and Leases, Net of Unearned Income, High Volatility Commercial Real Estate Exposures | RCONS445 | $2.3M |
| All Other Assets - 0 Pct Risk Weight Category | RCOND982 | $1.4M |
| All Other Assets - 20 Pct Risk Weight Category | RCOND983 | $1.1M |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, 100% | RCONS530 | $505K |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, Credit Equivalent Amount | RCONS526 | $505K |
| All Other Assets - Adjustments to Totals Reported in Column a | RCONS469 | $362K |
| All Other Assets - 50 Pct Risk Weight Category | RCOND984 | $67K |
| Financial Standby Letters of Credit - 100 Pct Risk Weight Category | RCOND996 | $5K |
| Financial Standby Letters of Credit - Credit Equivalent Amount | RCOND992 | $5K |
| Financial Standby Letters of Credit - Face, Notional, or Other Amount | RCOND991 | $5K |
Schedule RI-A: Changes in Bank Equity Capital (5 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Balance End of Previous Calendar Year as Restated | RIADB508 | $101.8M |
| Equity Capital, Most Recently Reported for the End of Previous Calendar Year (I.e., After Adjustments from Amended Reports of Income) | RIAD3217 | $101.8M |
| Total Equity Capital | RIAD3210 | $98.7M |
| Cash Dividends Declared on Common Stock | RIAD4460 | $7.0M |
| Other Comprehensive Income | RIADB511 | -$2.3M |
Schedule RI-B, Part I: Charge-offs and Recoveries on Loans and Leases (9 items)
About Schedule RI-B, Part I · Citizens Trust 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 | $97K |
| Charge-offs on Loans to Credit Cards | RIADB514 | $68K |
| Charge-offs All Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADK205 | $23K |
| Recoveries on Allowance for Loan and Lease Losses | RIAD4605 | $23K |
| Recoveries All Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADK206 | $11K |
| Recoveries on All Other Loans | RIAD4628 | $7K |
| Charge-offs on Commercial and Industrial Loans | RIAD4638 | $6K |
| Recoveries on Loans to Credit Cards | RIADB515 | $4K |
| Loans Secured by Other Nonfarm Nonresidential Properties: Recoveries | RIADC898 | $1K |
Schedule RI-B, Part II: Changes in Allowances for Credit Losses (3 items)
About Schedule RI-B, Part II · Citizens Trust Bank changes in allowances for credit losses trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Allowance for Loan and Lease Losses | RIAD3123 | $4.9M |
| Balance Most Recently Reported for the December 31, 2000, Reports of Condition and Income(i.e., After Adjustments from Amended Report of Income) | RIADB522 | $4.6M |
| Charge-offs on Allowance for Loan and Lease Losses | RIADC079 | $97K |
Schedule RI-E: Explanations (8 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Data Processing Expenses | RIADC017 | $741K |
| Earnings On/increase in Value of Cash Surrender Value of Life Insurance | RIADC014 | $401K |
| Consulting and Advisory Expense | RIADF557 | $319K |
| Marketing and Other Professional Services | RIAD0497 | $253K |
| First Itemized Amount That Exceeds 10% of All Other Noninterest Income (5408) | RIAD4461 | $251K |
| Telecommunications Expense | RIADF559 | $196K |
| Directors' Fees | RIAD4136 | $132K |
| Accounting and Auditing Expenses | RIADF556 | $118K |
Citizens Trust 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 Trust Bank call report?
The Citizens Trust 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 Trust Bank file?
Citizens Trust Bank 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 Trust 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 Trust Bank has Federal Reserve RSSD ID 680130 and FDIC certificate number 8033. Either one finds its filings on the FFIEC Central Data Repository.
How often does Citizens Trust 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 Trust 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 8033) · FFIEC NIC profile (RSSD 680130)