The Citizens Bank 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.
Cre concentration (tier 1 capital + allowance) dropped 5.16 percentage points in Q2 2026, from 79.31% to 74.16%. It was the largest change from Q1 2026 among the key lines here. Within Ohio, The Citizens Bank Company is 128th of 156 on loan-to-deposit ratio, 65.71% as of Q2 2026, below the middle of the field. The Citizens Bank Company reported 65.71% on loan-to-deposit ratio for Q2 2026, 15.13 points below the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $191.3M |
| Net loans and leases | $185.6M |
| Loans held for sale | $0 |
| Loans to total assets | 57.15% |
| Loan-to-deposit ratio | 65.71% |
| Net loans to equity capital | 4.45% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 21.75% |
| Multifamily (5+ residential) | 3.28% |
| Commercial and industrial | 11.38% |
| Consumer | 3.50% |
| Credit cards | 0.30% |
| Farm | 0.55% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.19% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 74.16% |
| Construction concentration (Tier 1 capital + allowance) | 31.66% |
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 | 6.12% |
| Interest income on loans | $2.9M |
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 | $187.1M | $266.7M | 24.05% | 8.43% | 2.50% |
| Q4 2023 | $188.5M | $261.0M | 25.18% | 8.93% | 2.69% |
| Q1 2024 | $185.6M | $260.3M | 22.95% | 10.06% | 2.67% |
| Q2 2024 | $191.3M | $265.4M | 22.53% | 10.54% | 2.68% |
| Q3 2024 | $194.7M | $274.4M | 23.74% | 10.13% | 2.71% |
| Q4 2024 | $194.6M | $273.1M | 21.86% | 11.99% | 2.94% |
| Q1 2025 | $195.1M | $280.7M | 23.45% | 10.66% | 2.89% |
| Q2 2025 | $203.6M | $283.9M | 22.90% | 13.95% | 2.55% |
| Q3 2025 | $198.9M | $290.5M | 21.94% | 13.05% | 2.72% |
| Q4 2025 | $191.2M | $289.1M | 23.27% | 10.64% | 2.70% |
| Q1 2026 | $194.0M | $285.5M | 23.09% | 10.81% | 3.19% |
| Q2 2026 | $191.3M | $291.0M | 21.75% | 11.38% | 3.50% |
The Citizens Bank Company loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The Citizens Bank 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 The Citizens Bank Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10266) · FFIEC NIC profile (RSSD 1010015)