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.
The standout move of Q2 2026 was in CRE concentration (Tier 1 capital + allowance): 19.18 percentage points lower than in Q1 2026, at 262.24%. Citizens Bank ranks 120th of 153 Wisconsin banks on loan-to-deposit ratio, in the lower half at 76.17% (Q2 2026). Citizens Bank reported 76.17% on loan-to-deposit ratio for Q2 2026, 12.03 points below the 88.20% median for banks in the $1B-10B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $758.7M |
| Net loans and leases | $749.6M |
| Loans held for sale | $0 |
| Loans to total assets | 65.00% |
| Loan-to-deposit ratio | 76.17% |
| Net loans to equity capital | 4.91% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 53.92% |
| Multifamily (5+ residential) | 9.56% |
| Commercial and industrial | 10.61% |
| Consumer | 0.07% |
| Credit cards | 0.00% |
| Farm | 0.24% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 1.35% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 262.24% |
| Construction concentration (Tier 1 capital + allowance) | 40.62% |
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 | 6.26% |
| Interest income on loans | $11.7M |
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 | $690.9M | $872.4M | 49.35% | 11.00% | 0.11% |
| Q4 2023 | $709.2M | $902.5M | 49.54% | 8.31% | 0.09% |
| Q1 2024 | $717.9M | $928.2M | 51.01% | 8.66% | 0.08% |
| Q2 2024 | $713.3M | $911.0M | 51.24% | 7.16% | 0.09% |
| Q3 2024 | $717.9M | $916.1M | 51.39% | 7.48% | 0.08% |
| Q4 2024 | $714.9M | $931.9M | 52.59% | 6.98% | 0.09% |
| Q1 2025 | $716.5M | $961.2M | 54.32% | 7.39% | 0.08% |
| Q2 2025 | $723.2M | $941.7M | 54.35% | 8.74% | 0.07% |
| Q3 2025 | $720.7M | $968.5M | 53.44% | 9.60% | 0.08% |
| Q4 2025 | $752.4M | $993.3M | 54.21% | 8.34% | 0.07% |
| Q1 2026 | $779.7M | $992.8M | 52.49% | 9.87% | 0.07% |
| Q2 2026 | $758.7M | $996.0M | 53.92% | 10.61% | 0.07% |
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 13055) · FFIEC NIC profile (RSSD 783844)