Citibank, N.A.: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in CRE concentration (Tier 1 capital + allowance): 1.38 percentage points higher than in Q1 2026, at 22.22%. Citibank, N.A. ranks 48th of 56 South Dakota banks on loan-to-deposit ratio, in the lower half at 48.93% (Q2 2026). The median for banks in the >= $250B asset tier is 61.69% on loan-to-deposit ratio. Citibank, N.A. sits 12.76 points lower, at 48.93% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $757.16B |
| Net loans and leases | $739.50B |
| Loans held for sale | $6.42B |
| Loans to total assets | 38.31% |
| Loan-to-deposit ratio | 48.93% |
| Net loans to equity capital | 4.32% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 1.29% |
| Multifamily (5+ residential) | 1.34% |
| Commercial and industrial | 21.87% |
| Consumer | 24.15% |
| Credit cards | 22.52% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 22.22% |
| Construction concentration (Tier 1 capital + allowance) | 4.63% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 7.59% |
| Interest income on loans | $14.22B |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $631.83B | $1.29T | 1.77% | 23.54% | 26.37% |
| Q4 2023 | $653.55B | $1.33T | 1.75% | 22.80% | 26.87% |
| Q1 2024 | $638.95B | $1.34T | 1.73% | 23.02% | 26.58% |
| Q2 2024 | $655.02B | $1.30T | 1.70% | 23.41% | 26.53% |
| Q3 2024 | $660.37B | $1.36T | 1.67% | 24.27% | 26.47% |
| Q4 2024 | $664.34B | $1.32T | 1.70% | 22.99% | 27.23% |
| Q1 2025 | $671.90B | $1.36T | 1.55% | 24.04% | 25.52% |
| Q2 2025 | $697.71B | $1.41T | 1.48% | 23.48% | 25.01% |
| Q3 2025 | $700.73B | $1.43T | 1.44% | 22.16% | 24.95% |
| Q4 2025 | $717.92B | $1.47T | 1.38% | 21.94% | 25.21% |
| Q1 2026 | $725.94B | $1.50T | 1.36% | 22.73% | 23.94% |
| Q2 2026 | $757.16B | $1.55T | 1.29% | 21.87% | 24.15% |
Citibank, N.A. loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Citibank, N.A., freeSource: Call Report Schedule RC-C, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Citibank, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 7213) · FFIEC NIC profile (RSSD 476810)