Citizens Alliance 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.
Cre concentration (tier 1 capital + allowance) climbed 7.50 percentage points in Q2 2026, from 203.65% to 211.15%. It was the largest change from Q1 2026 among the key lines here. Citizens Alliance Bank ranks 102nd of 221 Minnesota banks on loan-to-deposit ratio, in the upper half at 82.91% (Q2 2026). The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. Citizens Alliance Bank sits 5.29 points lower, at 82.91% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $1.01B |
| Net loans and leases | $1.00B |
| Loans held for sale | $0 |
| Loans to total assets | 70.50% |
| Loan-to-deposit ratio | 82.91% |
| Net loans to equity capital | 7.05% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 27.43% |
| Multifamily (5+ residential) | 6.18% |
| Commercial and industrial | 11.28% |
| Consumer | 0.77% |
| Credit cards | 0.16% |
| Farm | 14.69% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.42% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 211.15% |
| Construction concentration (Tier 1 capital + allowance) | 61.55% |
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 | 6.63% |
| Interest income on loans | $16.6M |
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 | $909.6M | $1.26B | 24.61% | 15.45% | 1.47% |
| Q4 2023 | $965.5M | $1.42B | 23.32% | 17.02% | 1.31% |
| Q1 2024 | $929.4M | $1.32B | 24.38% | 15.12% | 1.23% |
| Q2 2024 | $941.4M | $1.33B | 24.92% | 13.87% | 1.17% |
| Q3 2024 | $943.1M | $1.31B | 25.16% | 12.96% | 1.08% |
| Q4 2024 | $951.7M | $1.34B | 24.67% | 11.73% | 1.09% |
| Q1 2025 | $962.5M | $1.40B | 25.56% | 12.47% | 1.00% |
| Q2 2025 | $973.2M | $1.30B | 25.19% | 12.51% | 1.02% |
| Q3 2025 | $978.2M | $1.20B | 26.49% | 12.62% | 0.98% |
| Q4 2025 | $991.3M | $1.28B | 26.44% | 12.58% | 0.97% |
| Q1 2026 | $980.5M | $1.26B | 28.17% | 11.57% | 0.88% |
| Q2 2026 | $1.01B | $1.22B | 27.43% | 11.28% | 0.77% |
Citizens Alliance Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Citizens Alliance 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 Alliance Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1402) · FFIEC NIC profile (RSSD 279954)