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) climbed 8.55 percentage points in Q2 2026, from 296.08% to 304.63%. It was the largest change from Q1 2026 among the key lines here. Within Tennessee, Citizens Bank is 19th of 109 on loan-to-deposit ratio, 95.76% as of Q2 2026. The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. Citizens Bank sits 7.56 points higher, at 95.76% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $1.14B |
| Net loans and leases | $1.13B |
| Loans held for sale | $5.5M |
| Loans to total assets | 80.15% |
| Loan-to-deposit ratio | 95.76% |
| Net loans to equity capital | 6.22% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 50.66% |
| Multifamily (5+ residential) | 8.28% |
| Commercial and industrial | 6.47% |
| Consumer | 1.60% |
| Credit cards | 0.08% |
| Farm | 0.08% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.36% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 304.63% |
| Construction concentration (Tier 1 capital + allowance) | 90.16% |
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 | 7.11% |
| Interest income on loans | $20.3M |
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 | $963.8M | $989.1M | 45.03% | 6.11% | 2.02% |
| Q4 2023 | $972.7M | $1.03B | 49.26% | 6.02% | 2.02% |
| Q1 2024 | $976.1M | $1.05B | 47.66% | 6.20% | 2.07% |
| Q2 2024 | $990.1M | $1.02B | 47.62% | 5.94% | 2.04% |
| Q3 2024 | $1.01B | $1.04B | 50.77% | 5.99% | 2.01% |
| Q4 2024 | $998.1M | $1.08B | 50.33% | 7.01% | 2.00% |
| Q1 2025 | $1.01B | $1.11B | 49.26% | 7.17% | 1.98% |
| Q2 2025 | $1.04B | $1.12B | 48.85% | 7.20% | 1.91% |
| Q3 2025 | $1.06B | $1.15B | 47.41% | 7.17% | 1.91% |
| Q4 2025 | $1.06B | $1.14B | 50.27% | 7.16% | 1.80% |
| Q1 2026 | $1.12B | $1.16B | 51.45% | 7.01% | 1.69% |
| Q2 2026 | $1.14B | $1.19B | 50.66% | 6.47% | 1.60% |
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 14851) · FFIEC NIC profile (RSSD 778738)