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.
Construction concentration (tier 1 capital + allowance) dropped 4.04 percentage points in Q2 2026, from 30.43% to 26.40%. It was the largest change from Q1 2026 among the key lines here. On loan-to-deposit ratio, Citizens Bank and Trust Company is 6th from the bottom among 56 Virginia banks, 59.42% (Q2 2026). Citizens Bank and Trust Company reported 59.42% on loan-to-deposit ratio for Q2 2026, 21.53 points below the 80.94% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $288.5M |
| Net loans and leases | $284.8M |
| Loans held for sale | $0 |
| Loans to total assets | 49.95% |
| Loan-to-deposit ratio | 59.42% |
| Net loans to equity capital | 3.43% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 21.75% |
| Multifamily (5+ residential) | 2.29% |
| Commercial and industrial | 5.24% |
| Consumer | 2.94% |
| Credit cards | 0.00% |
| Farm | 6.16% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.03% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 66.23% |
| Construction concentration (Tier 1 capital + allowance) | 26.40% |
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 | 7.10% |
| Interest income on loans | $5.1M |
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 | $243.7M | $488.8M | 20.24% | 6.03% | 4.56% |
| Q4 2023 | $252.2M | $484.8M | 20.52% | 6.61% | 4.58% |
| Q1 2024 | $260.0M | $489.0M | 20.61% | 6.66% | 4.41% |
| Q2 2024 | $264.5M | $484.0M | 20.48% | 6.61% | 4.43% |
| Q3 2024 | $267.0M | $467.0M | 20.93% | 4.85% | 4.31% |
| Q4 2024 | $269.8M | $472.5M | 20.28% | 5.29% | 4.19% |
| Q1 2025 | $269.6M | $484.2M | 20.79% | 4.66% | 3.98% |
| Q2 2025 | $274.8M | $478.3M | 20.36% | 4.55% | 3.93% |
| Q3 2025 | $276.2M | $480.2M | 20.40% | 4.67% | 3.72% |
| Q4 2025 | $280.0M | $487.6M | 20.09% | 5.37% | 3.31% |
| Q1 2026 | $283.8M | $493.0M | 21.27% | 5.46% | 3.07% |
| Q2 2026 | $288.5M | $485.5M | 21.75% | 5.24% | 2.94% |
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 823) · FFIEC NIC profile (RSSD 991621)