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 22.45 percentage points in Q2 2026, from 462.20% to 439.76%. It was the largest change from Q1 2026 among the key lines here. Citizens Bank ranks 164th of 346 Texas banks on loan-to-deposit ratio, in the upper half at 74.08% (Q2 2026). Citizens Bank reported 74.08% on loan-to-deposit ratio for Q2 2026, 6.47 points below the 80.55% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $327.1M |
| Net loans and leases | $319.0M |
| Loans held for sale | $0 |
| Loans to total assets | 66.93% |
| Loan-to-deposit ratio | 74.08% |
| Net loans to equity capital | 9.58% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 52.64% |
| Multifamily (5+ residential) | 4.90% |
| Commercial and industrial | 9.05% |
| Consumer | 0.69% |
| Credit cards | 0.00% |
| Farm | 0.43% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 439.76% |
| Construction concentration (Tier 1 capital + allowance) | 149.05% |
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 | 7.06% |
| Interest income on loans | $5.8M |
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 | $273.8M | $430.5M | 54.25% | 17.17% | 0.91% |
| Q4 2023 | $274.6M | $411.4M | 55.71% | 16.99% | 0.86% |
| Q1 2024 | $271.7M | $417.1M | 56.15% | 15.37% | 0.90% |
| Q2 2024 | $269.4M | $404.7M | 55.29% | 14.01% | 0.87% |
| Q3 2024 | $266.9M | $413.1M | 56.52% | 11.70% | 0.77% |
| Q4 2024 | $280.0M | $409.2M | 56.27% | 11.50% | 0.68% |
| Q1 2025 | $286.3M | $414.9M | 53.41% | 14.15% | 0.64% |
| Q2 2025 | $307.3M | $414.6M | 52.62% | 12.61% | 0.62% |
| Q3 2025 | $316.9M | $422.7M | 53.13% | 11.70% | 0.88% |
| Q4 2025 | $320.6M | $433.7M | 52.20% | 11.11% | 0.81% |
| Q1 2026 | $332.2M | $444.2M | 50.28% | 10.10% | 0.74% |
| Q2 2026 | $327.1M | $441.6M | 52.64% | 9.05% | 0.69% |
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 16817) · FFIEC NIC profile (RSSD 744854)