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 Loan-to-deposit ratio: 13.14 percentage points higher than in Q1 2026, at 85.45%. Citizens Bank and Trust Company ranks 14th of 57 Mississippi banks on loan-to-deposit ratio, in the upper half at 85.45% (Q2 2026). The median for banks in the < $100M asset tier is 67.62% on loan-to-deposit ratio. Citizens Bank and Trust Company sits 17.82 points higher, at 85.45% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $71.0M |
| Net loans and leases | $69.1M |
| Loans held for sale | $0 |
| Loans to total assets | 72.00% |
| Loan-to-deposit ratio | 85.45% |
| Net loans to equity capital | 4.92% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 10.18% |
| Multifamily (5+ residential) | 1.26% |
| Commercial and industrial | 7.80% |
| Consumer | 3.49% |
| Credit cards | 0.00% |
| Farm | 15.24% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.15% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 29.46% |
| Construction concentration (Tier 1 capital + allowance) | 10.83% |
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 | 8.10% |
| Interest income on loans | $1.4M |
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 | $62.8M | $84.1M | 10.65% | 10.21% | 3.58% |
| Q4 2023 | $54.6M | $86.6M | 12.02% | 10.48% | 3.99% |
| Q1 2024 | $58.2M | $86.9M | 11.80% | 15.99% | 3.53% |
| Q2 2024 | $69.3M | $83.3M | 10.08% | 12.81% | 3.18% |
| Q3 2024 | $74.6M | $83.1M | 9.49% | 11.53% | 3.08% |
| Q4 2024 | $66.2M | $89.8M | 10.30% | 12.50% | 3.31% |
| Q1 2025 | $63.8M | $91.4M | 10.70% | 13.04% | 3.78% |
| Q2 2025 | $68.4M | $85.0M | 10.15% | 9.00% | 3.78% |
| Q3 2025 | $68.4M | $81.2M | 11.01% | 10.68% | 4.54% |
| Q4 2025 | $64.3M | $86.2M | 11.50% | 10.76% | 4.02% |
| Q1 2026 | $64.5M | $89.2M | 11.55% | 9.21% | 3.80% |
| Q2 2026 | $71.0M | $83.0M | 10.18% | 7.80% | 3.49% |
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 9777) · FFIEC NIC profile (RSSD 729945)