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.
Loan-to-deposit ratio climbed 3.59 percentage points in Q2 2026, from 70.56% to 74.15%. It was the largest change from Q1 2026 among the key lines here. Within Mississippi, Citizens Bank is 30th of 57 on loan-to-deposit ratio, 74.15% as of Q2 2026. Citizens Bank reported 74.15% on loan-to-deposit ratio for Q2 2026, 6.41 points below the 80.55% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $297.6M |
| Net loans and leases | $293.8M |
| Loans held for sale | $762K |
| Loans to total assets | 63.82% |
| Loan-to-deposit ratio | 74.15% |
| Net loans to equity capital | 4.92% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 24.05% |
| Multifamily (5+ residential) | 0.35% |
| Commercial and industrial | 10.77% |
| Consumer | 5.75% |
| Credit cards | 0.00% |
| Farm | 18.54% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.34% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 37.19% |
| Construction concentration (Tier 1 capital + allowance) | 16.42% |
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 | 7.34% |
| Interest income on loans | $5.4M |
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 | $298.5M | $387.2M | 25.40% | 12.92% | 6.11% |
| Q4 2023 | $305.9M | $389.9M | 25.42% | 13.48% | 6.01% |
| Q1 2024 | $304.2M | $394.1M | 24.84% | 13.23% | 5.96% |
| Q2 2024 | $300.9M | $396.5M | 24.35% | 13.17% | 5.99% |
| Q3 2024 | $301.4M | $416.8M | 23.49% | 13.74% | 5.94% |
| Q4 2024 | $303.6M | $408.9M | 22.94% | 13.58% | 5.78% |
| Q1 2025 | $302.5M | $416.1M | 23.32% | 12.43% | 5.83% |
| Q2 2025 | $293.9M | $418.4M | 24.08% | 11.85% | 5.89% |
| Q3 2025 | $299.3M | $416.7M | 24.18% | 11.64% | 5.85% |
| Q4 2025 | $300.3M | $404.8M | 23.85% | 11.98% | 5.85% |
| Q1 2026 | $298.7M | $423.3M | 24.37% | 10.64% | 5.73% |
| Q2 2026 | $297.6M | $401.3M | 24.05% | 10.77% | 5.75% |
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 324) · FFIEC NIC profile (RSSD 514132)