Citizens 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) dropped 6.18 percentage points in Q2 2026, from 151.59% to 145.41%. It was the largest change from Q1 2026 among the key lines here. Citizens Bank ranks 97th of 109 Tennessee banks on loan-to-deposit ratio, in the lower half at 65.24% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Citizens Bank sits 15.60 points lower, at 65.24% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $467.1M |
| Net loans and leases | $461.4M |
| Loans held for sale | $400K |
| Loans to total assets | 56.11% |
| Loan-to-deposit ratio | 65.24% |
| Net loans to equity capital | 4.13% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 42.10% |
| Multifamily (5+ residential) | 6.06% |
| Commercial and industrial | 8.52% |
| Consumer | 6.46% |
| Credit cards | 0.00% |
| Farm | 3.44% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 145.41% |
| Construction concentration (Tier 1 capital + allowance) | 39.49% |
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 | 7.15% |
| Interest income on loans | $8.2M |
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 | $390.9M | $648.9M | 39.35% | 12.90% | 7.77% |
| Q4 2023 | $394.4M | $652.0M | 39.22% | 12.71% | 7.38% |
| Q1 2024 | $414.6M | $670.7M | 40.70% | 11.77% | 6.98% |
| Q2 2024 | $411.1M | $686.4M | 41.52% | 11.75% | 6.86% |
| Q3 2024 | $426.1M | $670.1M | 41.38% | 11.43% | 6.41% |
| Q4 2024 | $434.3M | $680.3M | 42.29% | 11.17% | 6.49% |
| Q1 2025 | $433.6M | $697.0M | 42.29% | 10.80% | 7.10% |
| Q2 2025 | $437.7M | $702.7M | 43.97% | 7.60% | 7.82% |
| Q3 2025 | $456.0M | $700.6M | 45.33% | 8.66% | 7.02% |
| Q4 2025 | $451.8M | $713.4M | 43.27% | 9.06% | 6.69% |
| Q1 2026 | $454.0M | $724.4M | 42.78% | 9.07% | 6.59% |
| Q2 2026 | $467.1M | $716.0M | 42.10% | 8.52% | 6.46% |
Citizens Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Citizens 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 Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 893) · FFIEC NIC profile (RSSD 126834)