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 dropped 4.78 percentage points in Q2 2026, from 68.78% to 64.00%. It was the largest change from Q1 2026 among the key lines here. Within Texas, Citizens Bank is 223rd of 346 on loan-to-deposit ratio, 64.00% as of Q2 2026, below the middle of the field. Citizens Bank reported 64.00% on loan-to-deposit ratio for Q2 2026, 16.84 points below the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $175.0M |
| Net loans and leases | $173.5M |
| Loans held for sale | $146K |
| Loans to total assets | 56.49% |
| Loan-to-deposit ratio | 64.00% |
| Net loans to equity capital | 5.70% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 3.84% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 7.16% |
| Consumer | 0.24% |
| Credit cards | 0.00% |
| Farm | 26.45% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 11.05% |
| Construction concentration (Tier 1 capital + allowance) | 0.47% |
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 | 8.20% |
| Interest income on loans | $3.6M |
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 | $165.9M | $199.8M | 6.11% | 9.33% | 0.17% |
| Q4 2023 | $155.1M | $206.4M | 6.90% | 9.97% | 0.20% |
| Q1 2024 | $164.1M | $210.0M | 7.15% | 9.60% | 0.17% |
| Q2 2024 | $170.8M | $209.1M | 6.84% | 8.20% | 0.18% |
| Q3 2024 | $172.6M | $214.4M | 6.16% | 7.90% | 0.14% |
| Q4 2024 | $164.6M | $225.5M | 5.74% | 8.29% | 0.16% |
| Q1 2025 | $166.7M | $227.5M | 4.94% | 7.82% | 0.15% |
| Q2 2025 | $180.5M | $237.5M | 4.80% | 7.21% | 0.13% |
| Q3 2025 | $184.3M | $260.3M | 4.52% | 7.36% | 0.16% |
| Q4 2025 | $178.2M | $268.5M | 3.71% | 5.98% | 0.19% |
| Q1 2026 | $184.5M | $268.2M | 3.88% | 7.03% | 0.24% |
| Q2 2026 | $175.0M | $273.4M | 3.84% | 7.16% | 0.24% |
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 3140) · FFIEC NIC profile (RSSD 885252)