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 5.80 percentage points in Q2 2026, from 93.79% to 99.59%. It was the largest change from Q1 2026 among the key lines here. Within Missouri, Citizens Bank is 22nd of 192 on loan-to-deposit ratio, 99.59% as of Q2 2026, above the middle of the field. Citizens Bank reported 99.59% on loan-to-deposit ratio for Q2 2026, 18.75 points above the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $170.4M |
| Net loans and leases | $168.6M |
| Loans held for sale | $0 |
| Loans to total assets | 90.61% |
| Loan-to-deposit ratio | 99.59% |
| Net loans to equity capital | 11.40% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 20.86% |
| Multifamily (5+ residential) | 2.51% |
| Commercial and industrial | 4.29% |
| Consumer | 2.23% |
| Credit cards | 0.00% |
| Farm | 25.30% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 153.77% |
| Construction concentration (Tier 1 capital + allowance) | 45.31% |
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 | 7.85% |
| Interest income on loans | $3.3M |
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 | $143.7M | $167.7M | 16.83% | 7.10% | 2.72% |
| Q4 2023 | $146.9M | $166.6M | 17.28% | 6.51% | 2.49% |
| Q1 2024 | $148.6M | $172.2M | 17.35% | 6.02% | 2.50% |
| Q2 2024 | $152.1M | $165.3M | 17.32% | 6.50% | 2.67% |
| Q3 2024 | $154.2M | $169.1M | 18.99% | 6.70% | 2.67% |
| Q4 2024 | $153.1M | $166.9M | 19.71% | 6.75% | 2.58% |
| Q1 2025 | $158.7M | $174.9M | 22.05% | 6.86% | 2.44% |
| Q2 2025 | $159.9M | $169.6M | 22.44% | 6.81% | 2.56% |
| Q3 2025 | $161.9M | $170.0M | 22.36% | 6.42% | 2.41% |
| Q4 2025 | $163.9M | $165.1M | 21.43% | 5.12% | 2.78% |
| Q1 2026 | $167.8M | $178.9M | 21.13% | 5.05% | 2.33% |
| Q2 2026 | $170.4M | $171.1M | 20.86% | 4.29% | 2.23% |
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 22601) · FFIEC NIC profile (RSSD 97457)