Citizens 1st Bank: 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): 5.62 percentage points lower than in Q1 2026, at 193.87%. Citizens 1st Bank ranks 139th of 346 Texas banks on loan-to-deposit ratio, in the upper half at 78.23% (Q2 2026). Citizens 1st Bank reported 78.23% on loan-to-deposit ratio for Q2 2026, 2.71 points below the 80.94% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $481.6M |
| Net loans and leases | $479.0M |
| Loans held for sale | $0 |
| Loans to total assets | 59.38% |
| Loan-to-deposit ratio | 78.23% |
| Net loans to equity capital | 3.24% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 48.13% |
| Multifamily (5+ residential) | 10.63% |
| Commercial and industrial | 1.87% |
| Consumer | 1.12% |
| Credit cards | 0.00% |
| Farm | 0.29% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 1.26% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 193.87% |
| Construction concentration (Tier 1 capital + allowance) | 45.74% |
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 | 6.56% |
| Interest income on loans | $7.9M |
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 | $361.7M | $539.8M | 46.07% | 1.12% | 1.45% |
| Q4 2023 | $367.1M | $556.6M | 45.46% | 0.97% | 1.56% |
| Q1 2024 | $389.9M | $537.7M | 45.87% | 0.87% | 1.46% |
| Q2 2024 | $408.2M | $537.3M | 47.32% | 0.86% | 1.49% |
| Q3 2024 | $408.7M | $529.1M | 46.52% | 0.76% | 1.58% |
| Q4 2024 | $440.1M | $591.2M | 49.49% | 0.68% | 1.54% |
| Q1 2025 | $438.9M | $591.4M | 49.36% | 1.52% | 1.53% |
| Q2 2025 | $456.9M | $570.3M | 50.92% | 1.40% | 1.50% |
| Q3 2025 | $471.7M | $569.1M | 49.14% | 1.60% | 1.26% |
| Q4 2025 | $479.6M | $621.9M | 48.54% | 1.82% | 1.28% |
| Q1 2026 | $488.6M | $622.6M | 49.23% | 1.65% | 1.18% |
| Q2 2026 | $481.6M | $615.5M | 48.13% | 1.87% | 1.12% |
Citizens 1st Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Citizens 1st Bank, 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 Citizens 1st Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1715) · FFIEC NIC profile (RSSD 869663)