Citizens and Farmers 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.
Construction concentration (tier 1 capital + allowance) dropped 10.17 percentage points in Q2 2026, from 67.06% to 56.88%. It was the largest change from Q1 2026 among the key lines here. Within Virginia, Citizens and Farmers Bank is 20th of 56 on loan-to-deposit ratio, 90.69% as of Q2 2026, above the middle of the field. At 90.69%, Citizens and Farmers Bank's loan-to-deposit ratio is close to the 88.20% median for banks in the $1B-10B asset tier (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $2.16B |
| Net loans and leases | $2.12B |
| Loans held for sale | $42.9M |
| Loans to total assets | 77.45% |
| Loan-to-deposit ratio | 90.69% |
| Net loans to equity capital | 6.51% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 31.53% |
| Multifamily (5+ residential) | 7.09% |
| Commercial and industrial | 3.13% |
| Consumer | 21.83% |
| Credit cards | 0.00% |
| Farm | 0.03% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 1.40% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 260.36% |
| Construction concentration (Tier 1 capital + allowance) | 56.88% |
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 | — |
| Interest income on loans | $35.8M |
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 | $1.74B | $2.04B | 24.23% | 3.28% | 27.62% |
| Q4 2023 | $1.76B | $2.08B | 25.16% | 3.32% | 27.33% |
| Q1 2024 | $1.84B | $2.10B | 25.37% | 3.05% | 26.45% |
| Q2 2024 | $1.90B | $2.12B | 25.16% | 2.88% | 25.80% |
| Q3 2024 | $1.95B | $2.15B | 24.88% | 2.75% | 25.02% |
| Q4 2024 | $1.94B | $2.18B | 27.12% | 2.61% | 24.60% |
| Q1 2025 | $1.97B | $2.23B | 28.28% | 2.71% | 23.98% |
| Q2 2025 | $2.04B | $2.26B | 27.59% | 2.42% | 23.20% |
| Q3 2025 | $2.04B | $2.31B | 28.76% | 2.39% | 23.27% |
| Q4 2025 | $2.09B | $2.35B | 29.33% | 2.54% | 22.73% |
| Q1 2026 | $2.13B | $2.41B | 30.22% | 2.74% | 22.17% |
| Q2 2026 | $2.16B | $2.38B | 31.53% | 3.13% | 21.83% |
Citizens and Farmers Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Citizens and Farmers 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 and Farmers Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10363) · FFIEC NIC profile (RSSD 928421)