Bank call report · Whitewater, WI
First Citizens State Bank Call Report
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First Citizens State Bank filed its latest call report for the quarter ended June 30, 2026 on the FFIEC 051. Below are its 274 reported line items, schedule by schedule (423 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 | 831642 |
| FDIC certificate number | 11228 |
| Total assets | $525.2M |
Official Q2 2026 call report PDF (FFIEC) →
First Citizens State Bank call report by schedule, Q2 2026
Dollar amounts are as filed, in the units the form uses. Each line item links to its definition; each schedule links to the full schedule reference for the FFIEC 051.
Schedule RC: Balance Sheet (27 items)
About Schedule RC · First Citizens State Bank balance sheet trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Assets | RCON2170 | $525.2M |
| Total Liabilities, Limited-life Preferred Stock, and Equity Capital | RCON3300 | $525.2M |
| Total Liabilities and Minority Interest | RCON2948 | $432.3M |
| Loans and Leases, Net of Unearned Income - Totals | RCONB528 | $395.2M |
| Loans and Leases, Net of Unearned Income and Allowance | RCONB529 | $388.1M |
| Total Deposits | RCON2200 | $355.3M |
| Total Interest-bearing Deposits in Foreign and Domestic Offices | RCON6636 | $282.6M |
| Total Equity Capital | RCON3210 | $93.0M |
| Total Equity Capital Including Noncontrolling Minority Interests in Consolidated Subsidiaries | RCONG105 | $93.0M |
| Held-to-maturity Securities, Total | RCON1754 | $90.5M |
| Held to maturity securities (ASU 2016-13 adoption) | RCONJJ34 | $90.4M |
| Undivided Profits and Capital Reserves | RCON3632 | $87.6M |
| Deposits: Noninterest-bearing | RCON6631 | $72.7M |
| Other Borrowed Money | RCON3190 | $60.1M |
| Other Assets | RCON2160 | $22.1M |
| Federal Funds Purchased in Domestic Offices | RCONB993 | $9.8M |
| Available-for-sale debt securities (from Schedule RC-B, column D) | RCON1773 | $9.6M |
| Allowance for Loan and Lease Losses | RCON3123 | $7.1M |
| Noninterest-bearing Balances and Currency and Coin | RCON0081 | $5.7M |
| Other Liabilities, Total | RCON2930 | $5.6M |
| Interest-bearing Balances | RCON0071 | $5.4M |
| Surplus | RCON3839 | $5.2M |
| Premises and Fixed Assets (Including Capitalized Leases) | RCON2145 | $3.4M |
| Securities Sold Under Agreements to Repurchase | RCONB995 | $1.4M |
| Federal Funds Sold | RCONB987 | $649K |
| Common Stock | RCON3230 | $200K |
| Accumulated Other Comprehensive Income | RCONB530 | -$45K |
Schedule RI: Income Statement (41 items)
About Schedule RI · First Citizens State Bank income statement trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Interest Income | RIAD4107 | $13.8M |
| Interest and Fee Income on Loans, Total | RIAD4010 | $11.9M |
| Net Interest Income | RIAD4074 | $9.3M |
| Interest and Fee Income on All Other Loans Secured by Real Estate | RIAD4436 | $7.2M |
| Income (Loss) Before Applicable Income Taxes and Discontinued Operations | RIAD4301 | $5.9M |
| 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 | $5.9M |
| Total Noninterest Expense | RIAD4093 | $5.2M |
| Income (Loss) Before Discontinued Operations | RIAD4300 | $4.8M |
| Net Income (Loss) | RIAD4340 | $4.8M |
| Net Income (Loss) Attributable to Bank and Noncontrolling Minority Interests | RIADG104 | $4.8M |
| Total Interest Expense | RIAD4073 | $4.4M |
| Interest and Fee Income on Loans Secured by 1-4 Family Residential Properties | RIAD4435 | $3.5M |
| Salaries and Employee Benefits | RIAD4135 | $3.2M |
| Total Noninterest Income | RIAD4079 | $1.7M |
| Other Noninterest Expense | RIAD4092 | $1.6M |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of 250000 or Less | RIADHK03 | $1.5M |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of More Than 250000 | RIADHK04 | $1.2M |
| Applicable Income Taxes | RIAD4302 | $1.1M |
| Interest on Other Securities | RIAD4060 | $913K |
| Interest and Fee Income on Commercial and Industrial Loans | RIAD4012 | $818K |
| Other Interest Expense | RIADGW44 | $775K |
| Other Noninterest Income | RIADB497 | $635K |
| Interest and Dividend Income on Securities: U.S. Treasury Securities and U.S. Government Agency Obligations (Excluding Mortgage-backed Securities) | RIADB488 | $522K |
| Savings Deposits (Including Mmdas) | RIAD0093 | $497K |
| Interest and Dividend Income on Tax-exempt Securities Issued by States and Political Subdivisions in the U.S. | RIAD4507 | $451K |
| Expenses of Premises and Fixed Assets | RIAD4217 | $431K |
| Interest on Transaction Accounts (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) | RIAD4508 | $381K |
| Noninterest income: Income from insurance activities | RIADHT74 | $309K |
| Interest and Fee Income on All Other Loans in Domestic Offices | RIAD4058 | $250K |
| Interest Income on Balances Due from Depository Institutions | RIAD4115 | $219K |
| Service Charges on Deposit Accounts in Domestic Offices | RIAD4080 | $166K |
| Net Servicing Fees | RIADB492 | $164K |
| 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 | $146K |
| Noninterest income: Fees and commissions from securities brokerage, investment banking, advisory, and underwriting activities | RIADHT73 | $146K |
| Interest and Dividend Income on Securities: Mortgage-backed Securities | RIADB489 | $143K |
| Estimated Income on Tax-exempt Loans and Leases to States and Political Subdivisions in the U.S. | RIAD4313 | $137K |
| Interest and Fee Income on Loans to Finance Agricultural Production and Other Loans to Farmers in Domestic Offices | RIAD4024 | $113K |
| Net Gains (Losses) on Sales of Loans | RIAD5416 | $68K |
| Interest Income on Federal Funds Sold and Securities Purchased Under Agreements to Resell | RIAD4020 | $51K |
| Expense of Federal Funds Purchased and Securities Sold Under Agreements to Repurchase | RIAD4180 | $43K |
| Number of Full Time Equivalent Employees on Payroll at End of Current Period | RIAD4150 | 76 |
Schedule RC-B: Securities (27 items)
About Schedule RC-B · First Citizens State Bank securities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Mortgage-backed Securities (MBS): Residential Pass-through Securities: Other Pass-through Securities: Available-for-sale Amortized Cost | RCONG310 | $7.6M |
| Mortgage-backed Securities (MBS): Residential Pass-through Securities: Other Pass-through Securities: Available-for-sale Fair Value | RCONG311 | $7.6M |
| Total Fair Value of Held-to-maturity Securities | RCON1771 | $87.7M |
| Pledged Securities | RCON0416 | $49.3M |
| Amortized Cost of Held-to-maturity Securities Issued by States and Political Subdivisions in the U.S. | RCON8496 | $42.5M |
| Fair Value of Held-to-maturity Securities Issued by States and Political Subdivisions in the U.S. | RCON8497 | $41.6M |
| Fixed Rate and Floating Rate Debt Securities with a Remaining Maturity of One Year or Less | RCONA248 | $30.0M |
| US government agency obligations (exclude mortgage-backed securities), Held-to-maturity, Amortized Cost | RCONHT50 | $27.5M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONA550 | $26.7M |
| US government agency obligations (exclude mortgage-backed securities), Held-to-maturity, Fair Value | RCONHT51 | $26.2M |
| 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 | $24.5M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Years Through Five Years | RCONA552 | $22.3M |
| 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 | $20.5M |
| Total Amortized Cost of Available-for-sale Securities | RCON1772 | $9.6M |
| Amortized Cost of Other Held-to-maturity Domestic Debt Securities | RCON1737 | $9.5M |
| Fair Value of Other Held-to-maturity Domestic Debt Securities | RCON1738 | $9.1M |
| Amortized Cost of Held-to-maturity U.S. Treasury Securities | RCON0211 | $8.9M |
| Fair Value of Held-to-maturity U.S. Treasury Securities | RCON0213 | $8.9M |
| 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 | $6.0M |
| Amortized Cost of Structured Notes | RCON8782 | $3.5M |
| Fair Value of Structured Notes | RCON8783 | $3.2M |
| Amortized Cost of Held-to-maturity Other Foreign Debt Securities | RCON1742 | $2.0M |
| Fair Value of Held-to-maturity Other Foreign Debt Securities | RCON1743 | $1.9M |
| Amortized Cost of Available-for-sale U.S. Treasury Securities | RCON1286 | $1.0M |
| US government agency obligations (exclude mortgage-backed securities), Available for sale, Amortized Cost | RCONHT52 | $999K |
| Fair Value of Available-for-sale U.S. Treasury Securities | RCON1287 | $997K |
| US government agency obligations (exclude mortgage-backed securities), Available for sale, Fair Value | RCONHT53 | $988K |
Schedule RC-C, Part I: Loans and Leases (30 items)
About Schedule RC-C, Part I · First Citizens State Bank loans and leases trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Loans and Leases, Net of Unearned Income | RCON2122 | $395.2M |
| Fixed Rate and Floating Rate Loans and Leases with a Remaining Maturity of One Year or Less | RCONA247 | $131.4M |
| Pledged Loans and Leases | RCONG378 | $117.3M |
| Real Estate Loans Secured by Multi-family (5 or More) Residential Properties | RCON1460 | $106.4M |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by First Liens | RCON5367 | $103.4M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Years Through Five Years | RCONA573 | $88.8M |
| 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 One Year Through Three Years | RCONA572 | $80.4M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Months Through 12 Months | RCONA571 | $79.8M |
| Loans Secured by Owner Occupied Nonfarm Nonresidential Properties | RCONF160 | $56.3M |
| 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 | $47.7M |
| 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 Three Months or Less | RCONA570 | $36.1M |
| Commercial and Industrial Loans | RCON1766 | $30.0M |
| Loans Secured by Other Nonfarm Nonresidential Properties. | RCONF161 | $26.9M |
| 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 | $23.4M |
| Loans Secured by 1-4 Family Residential Construction | RCONF158 | $22.3M |
| 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 Months Through 12 Months | RCONA565 | $22.3M |
| Loans Secured by Other Construction Loans and All Land Development and Other Land Loans | RCONF159 | $18.5M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Five Years Through 15 Years | RCONA574 | $7.4M |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by Junior Liens | RCON5368 | $7.2M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Three Months or Less | RCONA564 | $6.7M |
| Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit | RCON1797 | $6.5M |
| Real Estate Loans Secured by Farmland | RCON1420 | $6.1M |
| Obligations (Other Than Securities and Leases) of States and Political Subdivisions in the U.S. | RCON2107 | $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 Five Years Through 15 Years | RCONA568 | $3.3M |
| Loans to Finance Agricultural Production and Other Loans to Farmers | RCON1590 | $2.9M |
| Other Consumer Loans to Individuals for Household, Family, and Other Personal Expenditures (Includes Single Payment, Installment, and All Student Loans) | RCONK207 | $2.8M |
| Adjustable Rate Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties | RCON5370 | $2.7M |
| Automobile Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper) | RCONK137 | $989K |
| Unearned Income on Loans | RCON2123 | $509K |
| Other Loans | RCONJ464 | $89K |
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 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 | $12.7M |
| 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 | $6.4M |
| 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 | $3.1M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5571 | $3.0M |
| 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 | $952K |
| 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 | $926K |
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5565 | $875K |
| 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 | $565K |
| 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 | $554K |
| 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 | $279K |
| 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 | $105K |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5570 | 131 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5568 | 85 |
| 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 $250,000 Through $1,000,000 | RCON5574 | 45 |
| 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 | 36 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5564 | 19 |
| Number of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5584 | 12 |
| 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 | 6 |
| 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 | 5 |
| 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 | 5 |
| 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 | 3 |
| Number of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5578 | 2 |
Schedule RC-E: Deposit Liabilities (26 items)
About Schedule RC-E · First Citizens State Bank deposit liabilities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Nontransaction Accounts (Including Mmda's) | RCON2385 | $238.5M |
| Total Nontransaction Accounts Deposits of Individuals, Partnerships, and Corporations | RCONB550 | $231.1M |
| Total Transaction Accounts | RCON2215 | $116.8M |
| Total Transaction Accounts - Deposits of Individuals, Partnerships, and Corporation | RCONB549 | $105.7M |
| Time Deposits of 250000 or Less with a Remaining Maturity of One Year or Less | RCONHK11 | $77.5M |
| Total Demand Deposits (See Note Below) | RCON2210 | $71.8M |
| Components of Total Nontransaction Accounts: Total Time Deposits of More Than $250,000 | RCONJ474 | $52.6M |
| Money Market Deposit Accounts (Mmda's) | RCON6810 | $51.4M |
| Other Nontransaction Savings Deposits (Excludes Mmda's) | RCON0352 | $49.9M |
| Total Time Deposits of Less Than $100,000 | RCON6648 | $45.9M |
| 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 Three Months or Less | RCONHK07 | $42.7M |
| Time Deposits of More Than $250,000 with a Remaining Maturity of One or Year Less | RCONK222 | $41.5M |
| Components of Total Nontransaction Accounts: Total Time Deposits of $100,000 Through $250,000 | RCONJ473 | $38.8M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONHK08 | $35.2M |
| 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 | $24.8M |
| 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 Three Months or Less | RCONHK12 | $16.6M |
| Total Brokered Deposits | RCON2365 | $16.0M |
| All Time and Savings Deposits Held in IRA and Keogh Plan Accounts | RCON6835 | $11.5M |
| Total Transaction Accounts - Deposits of States and Political Subdivisions in the U.S. | RCON2203 | $11.0M |
| 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 Years | RCONHK15 | $8.2M |
| Brokered Deposits of More Than $250,000 with a Remaining Maturity of One Year or Less | RCONK220 | $7.8M |
| Total Nontransaction Accounts of States and Political Subdivisions in the U.S. | RCON2530 | $7.5M |
| Individual Retirement Accounts (Iras) and Keogh Plan Accounts Included in Memorandum Item 2.C, 'Total Time Deposits of $100,000 or More,' Above | RCONF233 | $6.6M |
| 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 | $5.7M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONHK14 | $3.0M |
| 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 Years | RCONHK10 | $1.1M |
Schedule RC-F: Other Assets (6 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Life Insurance Assets: General Account Life Insurance Assets | RCONK201 | $15.5M |
| Historical Cost of All Other Available-for-sale Equity Securities | RCON1752 | $2.7M |
| Net Deferred Tax Assets | RCON2148 | $1.8M |
| Accrued Interest Receivable | RCONB556 | $1.6M |
| Other Assets | RCON2168 | $431K |
| Prepaid Expenses | RCON2166 | $198K |
Schedule RC-G: Other Liabilities (5 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| All Other Liabilities | RCON2938 | $1.7M |
| Interest Accrued and Unpaid on Deposits (in Domestic Offices) | RCON3645 | $1.5M |
| Deferred Compensation Liabilities | RCONC011 | $1.3M |
| Other Expenses Accrued and Unpaid | RCON3646 | $1.3M |
| Allowance for Credit Losses on Off-balance Sheet Credit Exposures | RCONB557 | $1.2M |
Schedule RC-K: Quarterly Averages (18 items)
About Schedule RC-K · First Citizens State Bank quarterly averages trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Quarterly Average of Total Assets | RCON3368 | $516.9M |
| Quarterly Average of Total Loans | RCON3360 | $378.9M |
| Quarterly Average of All Other Loans Secured by Real Estate | RCON3466 | $226.9M |
| Quarterly Average of Loans Secured by 1-4 Family Residential Properties | RCON3465 | $113.4M |
| Nontransaction Accounts in Domestic Offices: Savings Deposits | RCONB563 | $105.1M |
| Liabilities, Nontransaction Accounts, Time Deposits of 250000 or Less | RCONHK16 | $82.4M |
| Liabilities, Nontransaction Accounts, Time Deposits of More Than 250000 | RCONHK17 | $56.3M |
| All Other Securities | RCONB560 | $54.3M |
| Transaction Accounts (in Domestic Offices) (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) - Quarterly Average | RCON3485 | $51.4M |
| Quarterly Average of Other Borrowed Money | RCON3355 | $47.4M |
| U.S. Treasury Securities and U.S. Government Agency Obligations (Excluding Mortgage-backed Securities) | RCONB558 | $40.3M |
| Quarterly Average of Commercial and Industrial Loans | RCON3387 | $26.5M |
| Quarterly Average of Interest-bearing Balances Due from Depository Institutions | RCON3381 | $7.7M |
| Mortgage-backed Securities | RCONB559 | $7.6M |
| Quarterly Average of Federal Funds Purchased and Securities Sold Under Agreements to Repurchase | RCON3353 | $4.1M |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Other | RCONB562 | $3.8M |
| Quarterly Average of Loans to Finance Agricultural Production and Other Loans to Farmers | RCON3386 | $3.0M |
| Quarterly Average of Federal Funds Sold and Securities Purchased Under Agreements to Resell | RCON3365 | $2.7M |
Schedule RC-L: Derivatives and Off-Balance-Sheet Items (7 items)
About Schedule RC-L · First Citizens State Bank derivatives and off-balance-sheet items trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Commercial Real Estate, Other Construction Loan and Land Development Loan Commitments | RCONF165 | $36.1M |
| Other Unused Commitments: Commercial and Industrial Loans | RCONJ457 | $14.8M |
| 1-4 Family Residential Construction Loan Commitments | RCONF164 | $12.2M |
| Other Unused Commitments: All Other Unused Commitments | RCONJ459 | $12.1M |
| Unused Commitments - Revolving, Open-end Lines Secured by 1-4 Family Residential Properties | RCON3814 | $7.7M |
| Total Gross Notional Amount of Interest Rate Derivative Contracts Held for Purposes Other Than Trading: Contracts Marked to Market | RCON8725 | $1.0M |
| Financial Standby Letters of Credit and Foreign Office Guarantees | RCON3819 | $1.0M |
Schedule RC-M: Memoranda (6 items)
About Schedule RC-M · First Citizens State Bank memoranda trends
| Line item | Code | Q2 2026 |
|---|---|---|
| FHLB Advances (Loans) Due in One Year or Less | RCON2651 | $52.2M |
| FHLB Advances: Advances with a Remaining Maturity or Next Repricing Date of One Year or Less | RCONF055 | $52.2M |
| Aggregate Amount of All Extensions of Credit to All Executive Officers, Directors, Principal Shareholders, and Their Related Interests | RCON6164 | $24.4M |
| FHLB Advances: Structured Advances | RCONF059 | $15.0M |
| FHLB Advances: Advances with a Remaining Maturity or Next Repricing Date of Over Three Through Five Years | RCONF057 | $7.9M |
| Number of Executive Officers, Directors, and Principal Shareholders to Whom the Amount of All Extensions of Credit by the Reporting Bank (Including Extensions of Credit to Related Interests) Equals or Exceeds the Lesser of $500,000 or 5 Percent of Total Capital as Defined for This Purpose in Agency Regulations | RCON6165 | 1 |
Schedule RC-N: Past Due and Nonaccrual Loans, Leases, and Other Assets (2 items)
About Schedule RC-N · First Citizens State Bank past due and nonaccrual loans, leases, and other assets trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens-past Due 30 Thru 89 Days and Still Accruing | RCONC236 | $385K |
| Total Loans and Lease Financing Receivables: Past Due 30-89 Days and Still Accruing | RCON1406 | $385K |
Schedule RC-O: Other Data for Deposit Insurance Assessments (12 items)
About Schedule RC-O · First Citizens State Bank other data for deposit insurance assessments trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average Consolidated Total Assets for the Calendar Quarter | RCONK652 | $516.9M |
| Total Deposit Liabilities as Defined in Section 3(1) of the Federal Deposit Insurance Act Before Exclusions | RCONF236 | $361.8M |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of $250,000 or Less | RCONF049 | $216.9M |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF051 | $133.3M |
| Average Tangible Equity for the Calendar Quarter | RCONK654 | $92.4M |
| Amount of Retirement Deposits Accounts of $250,000 or Less | RCONF045 | $7.4M |
| Amount of Retirement Deposit Accounts of More Than $250,000 | RCONF047 | $4.2M |
| Number of Deposit Accounts (Excluding Retirement Accounts)of $250,000 or Less | RCONF050 | 13,342 |
| Number of Retirement Deposit Accounts of $250,000 or Less | RCONF046 | 265 |
| Number of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF052 | 182 |
| Number of Retirement Deposit Accounts of More Than $250,000 | RCONF048 | 11 |
| Averaging Method Used | RCONK653 | 1 |
Schedule RC-R, Part I: Regulatory Capital Components and Ratios (18 items)
About Schedule RC-R, Part I · First Citizens State Bank regulatory capital components and ratios trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Assets | RCOA2170 | $525.2M |
| Average Total Assets (Net of Deductions) | RCOAA224 | $516.9M |
| Average total consolidated assets | RCOAKW03 | $516.9M |
| Common Equity Tier 1 Capital | RCOAP859 | $93.0M |
| Subtotal of Common Equity Tier 1 Capital: Adjustments and Deductions | RCOAP852 | $93.0M |
| Tier 1 Capital Allowable Under the Risk-based Capital Guidelines | RCOA8274 | $93.0M |
| Common Equity Tier 1 Capital Before Adjustments and Deductions | RCOAP840 | $93.0M |
| Retained Earnings | RCOAKW00 | $87.6M |
| Off-balance sheet exposures: Other off-balance sheet exposures | RCOAKX81 | $83.6M |
| 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 | $83.6M |
| Common Equity Tier 1 Capital: Common Stock Plus Related Surplus, Net of Treasury Stock and Unearned Employee Stock Ownership Plan (ESOP) Shares | RCOAP742 | $5.4M |
| Unconditionally Cancellable Commitments | RCOAS540 | $300K |
| Accumulated Other Comprehensive Income | RCOAB530 | -$45K |
| 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 | -$45K |
| 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 | 0.18 |
| Total off-balance sheet exposures (sum of items 15a through 15.c) | RCOAKX83 | 0.1592 |
Schedule RC-T: Fiduciary and Related Services (1 item)
| Line item | Code | Q2 2026 |
|---|---|---|
| Income from Fiduciary Activities | RIAD4070 | $251K |
Schedule RI-A: Changes in Bank Equity Capital (5 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Equity Capital | RIAD3210 | $93.0M |
| Balance End of Previous Calendar Year as Restated | RIADB508 | $88.7M |
| Equity Capital, Most Recently Reported for the End of Previous Calendar Year (I.e., After Adjustments from Amended Reports of Income) | RIAD3217 | $88.7M |
| Cash Dividends Declared on Common Stock | RIAD4460 | $450K |
| Other Comprehensive Income | RIADB511 | -$3K |
Schedule RI-B, Part I: Charge-offs and Recoveries on Loans and Leases (11 items)
About Schedule RI-B, Part I · First Citizens State Bank charge-offs and recoveries on loans and leases trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Recoveries on Allowance for Loan and Lease Losses | RIAD4605 | $101K |
| Charge-offs on Allowance for Loan and Lease Losses | RIAD4635 | $100K |
| Recoveries on Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens | RIADC217 | $90K |
| Charge-offs on Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit | RIAD5411 | $88K |
| Charge-offs on All Other Loans | RIAD4644 | $6K |
| Charge-offs on Automobile Loans | RIADK129 | $4K |
| Recoveries on All Other Loans | RIAD4628 | $4K |
| Recoveries on Closed-end Loans Secured by 1-4 Family Residential Properties:secured by Junior Liens | RIADC218 | $4K |
| Charge-offs All Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADK205 | $2K |
| Recoveries on Automobile Loans | RIADK133 | $2K |
| Recoveries All Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADK206 | $1K |
Schedule RI-B, Part II: Changes in Allowances for Credit Losses (7 items)
About Schedule RI-B, Part II · First Citizens State Bank changes in allowances for credit losses trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Allowance for Loan and Lease Losses | RIAD3123 | $7.1M |
| Balance Most Recently Reported for the December 31, 2000, Reports of Condition and Income(i.e., After Adjustments from Amended Report of Income) | RIADB522 | $7.1M |
| 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 | $300K |
| Provisions for credit losses on off-balance-sheet exposures | RIADMG93 | $200K |
| Provisions for credit losses, Held-to-maturity debt securities | RIADJH90 | -$200K |
| Balance end of current period, Held-to-maturity debt securities | RIADJH93 | $100K |
| Charge-offs on Allowance for Loan and Lease Losses | RIADC079 | $100K |
Schedule SU: Supplemental Information (1 item)
| 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 | $126.8M |
First Citizens State Bank call reports on file
Each link opens the bank's filed report on the FFIEC Central Data Repository.
- Q2 2026 call report (quarter ended June 30, 2026)
- Q1 2026 call report (quarter ended March 31, 2026)
- Q4 2025 call report (quarter ended December 31, 2025)
- Q3 2025 call report (quarter ended September 30, 2025)
- Q2 2025 call report (quarter ended June 30, 2025)
- Q1 2025 call report (quarter ended March 31, 2025)
Where can I find the First Citizens State Bank call report?
The First Citizens State Bank call report for the quarter ended June 30, 2026 is on this page, schedule by schedule. The official PDF is on the FFIEC Central Data Repository, linked here for every quarter on file. Call reports are public: anyone can read or download them without an account.
Which call report form does First Citizens State Bank file?
First Citizens State Bank files the FFIEC 051. The FFIEC 031 is for banks with foreign offices, the FFIEC 041 for banks with domestic offices only, and the FFIEC 051 is the streamlined form most domestic banks under $5 billion in total assets may file.
What is the First Citizens State Bank call report number?
A call report has no number of its own. It is filed and looked up by the bank's identifiers: First Citizens State Bank has Federal Reserve RSSD ID 831642 and FDIC certificate number 11228. Either one finds its filings on the FFIEC Central Data Repository.
How often does First Citizens State Bank file a call report?
Every quarter, as of March 31, June 30, September 30 and December 31. The report is due 30 calendar days after the quarter ends, or 35 days for a bank with more than one foreign office.
First Citizens State Bank financial reports and ratios →
New to call reports? What a call report is, every call report code explained, and how the UBPR turns it into ratios.
Regulator records: FDIC BankFind (cert 11228) · FFIEC NIC profile (RSSD 831642)