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 3.02 percentage points in Q2 2026, from 205.48% to 202.46%. It was the largest change from Q1 2026 among the key lines here. Within Indiana, Citizens Bank is 61st of 87 on loan-to-deposit ratio, 75.09% as of Q2 2026. Citizens Bank reported 75.09% on loan-to-deposit ratio for Q2 2026, 5.47 points below the 80.55% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $467.7M |
| Net loans and leases | $461.8M |
| Loans held for sale | $0 |
| Loans to total assets | 67.71% |
| Loan-to-deposit ratio | 75.09% |
| Net loans to equity capital | 7.11% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 35.20% |
| Multifamily (5+ residential) | 0.41% |
| Commercial and industrial | 5.15% |
| Consumer | 23.27% |
| Credit cards | 0.00% |
| Farm | 0.26% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.25% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 202.46% |
| Construction concentration (Tier 1 capital + allowance) | 45.54% |
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 | 5.73% |
| Interest income on loans | $6.6M |
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 | $402.1M | $574.0M | 36.72% | 5.79% | 28.86% |
| Q4 2023 | $416.1M | $588.9M | 38.53% | 5.77% | 26.88% |
| Q1 2024 | $414.3M | $588.0M | 36.30% | 5.89% | 25.71% |
| Q2 2024 | $427.3M | $592.9M | 36.59% | 5.65% | 24.63% |
| Q3 2024 | $427.7M | $574.0M | 37.65% | 6.01% | 23.51% |
| Q4 2024 | $434.8M | $584.0M | 36.55% | 6.27% | 22.92% |
| Q1 2025 | $442.3M | $596.6M | 36.29% | 5.94% | 23.20% |
| Q2 2025 | $449.2M | $601.1M | 35.61% | 6.07% | 23.58% |
| Q3 2025 | $453.2M | $632.0M | 35.63% | 6.13% | 24.02% |
| Q4 2025 | $460.0M | $627.4M | 35.97% | 5.82% | 22.93% |
| Q1 2026 | $457.3M | $634.5M | 35.84% | 5.37% | 22.99% |
| Q2 2026 | $467.7M | $622.8M | 35.20% | 5.15% | 23.27% |
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 9647) · FFIEC NIC profile (RSSD 44741)