Citizens Bank and Trust: 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): 12.01 percentage points higher than in Q1 2026, at 177.77%. Within Florida, Citizens Bank and Trust is 60th of 81 on loan-to-deposit ratio, 63.25% as of Q2 2026, below the middle of the field. The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. Citizens Bank and Trust sits 24.95 points lower, at 63.25% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $884.1M |
| Net loans and leases | $874.4M |
| Loans held for sale | $0 |
| Loans to total assets | 59.73% |
| Loan-to-deposit ratio | 63.25% |
| Net loans to equity capital | 14.39% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 40.05% |
| Multifamily (5+ residential) | 0.96% |
| Commercial and industrial | 11.10% |
| Consumer | 11.81% |
| Credit cards | 0.00% |
| Farm | 0.33% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 2.06% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 177.77% |
| Construction concentration (Tier 1 capital + allowance) | 40.88% |
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 | — |
| Interest income on loans | $12.9M |
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 | $700.2M | $1.23B | 35.01% | 11.74% | 16.59% |
| Q4 2023 | $720.1M | $1.26B | 34.71% | 12.81% | 15.96% |
| Q1 2024 | $719.4M | $1.27B | 36.93% | 11.95% | 15.56% |
| Q2 2024 | $750.3M | $1.30B | 36.36% | 12.89% | 15.28% |
| Q3 2024 | $764.4M | $1.28B | 37.27% | 12.51% | 14.01% |
| Q4 2024 | $784.1M | $1.30B | 38.63% | 12.63% | 13.39% |
| Q1 2025 | $798.5M | $1.33B | 38.65% | 12.25% | 13.07% |
| Q2 2025 | $836.8M | $1.33B | 39.57% | 12.17% | 12.73% |
| Q3 2025 | $837.6M | $1.38B | 38.99% | 12.27% | 12.55% |
| Q4 2025 | $859.3M | $1.37B | 39.35% | 12.66% | 11.87% |
| Q1 2026 | $852.5M | $1.40B | 40.18% | 11.80% | 12.05% |
| Q2 2026 | $884.1M | $1.40B | 40.05% | 11.10% | 11.81% |
Citizens Bank and Trust loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Citizens Bank and Trust, 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 and Trust profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5673) · FFIEC NIC profile (RSSD 701839)