Citizens Bank and Trust Company: 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): 6.02 percentage points higher than in Q1 2026, at 273.44%. Citizens Bank and Trust Company ranks 31st of 103 Louisiana banks on loan-to-deposit ratio, in the upper half at 89.57% (Q2 2026). Citizens Bank and Trust Company reported 89.57% on loan-to-deposit ratio for Q2 2026, 8.73 points above the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $363.1M |
| Net loans and leases | $359.4M |
| Loans held for sale | $0 |
| Loans to total assets | 75.52% |
| Loan-to-deposit ratio | 89.57% |
| Net loans to equity capital | 6.46% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 44.15% |
| Multifamily (5+ residential) | 2.18% |
| Commercial and industrial | 9.54% |
| Consumer | 1.68% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 273.44% |
| Construction concentration (Tier 1 capital + allowance) | 92.15% |
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 | 6.57% |
| Interest income on loans | $5.9M |
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 | $290.6M | $361.9M | 43.91% | 11.53% | 0.83% |
| Q4 2023 | $305.8M | $416.5M | 44.84% | 10.96% | 0.80% |
| Q1 2024 | $313.0M | $389.8M | 42.19% | 12.49% | 0.73% |
| Q2 2024 | $318.0M | $382.0M | 43.65% | 11.68% | 0.75% |
| Q3 2024 | $330.6M | $398.3M | 44.01% | 12.31% | 1.06% |
| Q4 2024 | $325.2M | $420.5M | 43.87% | 12.06% | 1.03% |
| Q1 2025 | $334.4M | $390.8M | 43.22% | 12.04% | 1.38% |
| Q2 2025 | $344.0M | $383.1M | 42.92% | 11.29% | 1.35% |
| Q3 2025 | $351.9M | $377.2M | 43.52% | 10.97% | 1.00% |
| Q4 2025 | $348.0M | $428.0M | 42.95% | 10.79% | 0.97% |
| Q1 2026 | $349.9M | $410.2M | 42.91% | 10.23% | 1.02% |
| Q2 2026 | $363.1M | $405.4M | 44.15% | 9.54% | 1.68% |
Citizens Bank and Trust Company loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Citizens Bank and Trust Company, 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 Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1376) · FFIEC NIC profile (RSSD 357937)