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BDI
CB

Citizens Bank and Trust

Frostproof, FloridaFDIC Cert #5673

STATEEstablished 192017 branches

Holding company: CITIZENS BANKING CORPRegulator: FDIC

FDICCERT + OFFDOM

Balance sheet & income statement

Financials

Reported balance-sheet positions and year-to-date earnings from the latest FDIC Call Report.

As of Q1 2026

Balance sheet trend

Assets & deposits

Time range
Reporting mode
Assets and deposits by reporting quarter
QuarterAssetsDeposits
Q2 2021$1.04B$928M
Q3 2021$1.18B$1.04B
Q4 2021$1.21B$1.09B
Q1 2022$1.27B$1.17B
Q2 2022$1.29B$1.18B
Q3 2022$1.26B$1.19B
Q4 2022$1.32B$1.21B
Q1 2023$1.33B$1.24B
Q2 2023$1.3B$1.25B
Q3 2023$1.29B$1.23B
Q4 2023$1.33B$1.26B
Q1 2024$1.31B$1.27B
Q2 2024$1.34B$1.3B
Q3 2024$1.36B$1.28B
Q4 2024$1.35B$1.3B
Q1 2025$1.4B$1.33B
Q2 2025$1.39B$1.33B
Q3 2025$1.45B$1.38B
Q4 2025$1.45B$1.37B
Q1 2026$1.48B$1.4B

Balance sheet

Core assets, funding, and capital reported at quarter end.

Assets
$1.48B
+5.7%y/y
Percentile by value47th percentileby value
Peer standing in FFIEC UBPR Peer Group 4 — Insured commercial banks having assets between $1 billion and $3 billion
FDICASSET
Deposits
$1.4B
+4.6%y/y
Percentile by value57th percentileby value
Peer standing in FFIEC UBPR Peer Group 4 — Insured commercial banks having assets between $1 billion and $3 billion
FDICDEP
Gross loans
$853M
+6.8%y/y
Percentile by value25th percentileby value
Peer standing in FFIEC UBPR Peer Group 4 — Insured commercial banks having assets between $1 billion and $3 billion
FDICLNLSGR
Net loans
$843M
+6.7%y/y
Percentile by value26th percentileby value
Peer standing in FFIEC UBPR Peer Group 4 — Insured commercial banks having assets between $1 billion and $3 billion
FDICLNLSNET
Securities
$505M
+0.3%y/y
Percentile by value87th percentileby value
Peer standing in FFIEC UBPR Peer Group 4 — Insured commercial banks having assets between $1 billion and $3 billion
FDICSC
Cash
$77M
+25.9%y/y
Percentile by value38th percentileby value
Peer standing in FFIEC UBPR Peer Group 4 — Insured commercial banks having assets between $1 billion and $3 billion
FDICCHBAL
Liabilities
$1.42B
+4.2%y/y
Percentile by value53rd percentileby value
Peer standing in FFIEC UBPR Peer Group 4 — Insured commercial banks having assets between $1 billion and $3 billion
FDICLIAB
Equity
$57.8M
+61.1%y/y
Peer standing0th percentile
Peer standing in FFIEC UBPR Peer Group 4 — Insured commercial banks having assets between $1 billion and $3 billion
FDICEQ

Income statement

Year-to-date reported earnings and core revenue components.

Revenue
$14.2M
+12.5%y/y
Peer standing39th percentile
Peer standing in FFIEC UBPR Peer Group 4 — Insured commercial banks having assets between $1 billion and $3 billion
FDICNIM + NONII
NII
$11.3M
+12.4%y/y
Peer standing31st percentile
Peer standing in FFIEC UBPR Peer Group 4 — Insured commercial banks having assets between $1 billion and $3 billion
FDICNIM
Noninterest income
$2.9M
+13.0%y/y
Peer standing66th percentile
Peer standing in FFIEC UBPR Peer Group 4 — Insured commercial banks having assets between $1 billion and $3 billion
FDICNONII
Provision
−$791K
−282.7%y/y
Percentile by value1st percentileby value
Peer standing in FFIEC UBPR Peer Group 4 — Insured commercial banks having assets between $1 billion and $3 billion
FDICELNATR
Pretax income
$5.34M
+57.0%y/y
Peer standing41st percentile
Peer standing in FFIEC UBPR Peer Group 4 — Insured commercial banks having assets between $1 billion and $3 billion
FDICPTAXNETINC
Net income
$5.34M
+57.0%y/y
Peer standing56th percentile
Peer standing in FFIEC UBPR Peer Group 4 — Insured commercial banks having assets between $1 billion and $3 billion
FDICNETINC