Citizens' Bank, Inc.: 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.
Commercial real estate (nonfarm nonresidential) dropped 4.08 percentage points in Q2 2026, from 29.43% to 25.35%. It was the largest change from Q1 2026 among the key lines here. Citizens' Bank, Inc. ranks 63rd of 93 Alabama banks on loan-to-deposit ratio, in the lower half at 59.78% (Q2 2026). Citizens' Bank, Inc. reported 59.78% on loan-to-deposit ratio for Q2 2026, 21.06 points below the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $85.5M |
| Net loans and leases | $84.6M |
| Loans held for sale | $0 |
| Loans to total assets | 53.84% |
| Loan-to-deposit ratio | 59.78% |
| Net loans to equity capital | 5.62% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 25.35% |
| Multifamily (5+ residential) | 1.25% |
| Commercial and industrial | 10.72% |
| Consumer | 6.08% |
| Credit cards | 0.00% |
| Farm | 1.81% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 3.58% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 88.62% |
| Construction concentration (Tier 1 capital + allowance) | 40.50% |
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 | 6.87% |
| 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 | $80.0M | $149.2M | 32.53% | 6.38% | 11.03% |
| Q4 2023 | $79.1M | $147.0M | 32.29% | 6.62% | 10.44% |
| Q1 2024 | $78.3M | $144.5M | 31.28% | 7.63% | 10.19% |
| Q2 2024 | $79.5M | $141.5M | 30.35% | 8.68% | 9.53% |
| Q3 2024 | $77.4M | $136.5M | 30.76% | 8.39% | 9.40% |
| Q4 2024 | $79.1M | $139.4M | 30.50% | 8.83% | 8.83% |
| Q1 2025 | $81.8M | $143.0M | 30.58% | 8.72% | 8.22% |
| Q2 2025 | $80.5M | $143.4M | 30.30% | 8.06% | 7.91% |
| Q3 2025 | $83.4M | $141.2M | 29.92% | 8.52% | 7.32% |
| Q4 2025 | $86.5M | $139.9M | 29.31% | 9.85% | 6.68% |
| Q1 2026 | $84.0M | $143.7M | 29.43% | 9.51% | 6.70% |
| Q2 2026 | $85.5M | $143.1M | 25.35% | 10.72% | 6.08% |
Citizens' Bank, Inc. loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Citizens' Bank, Inc., 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, Inc. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 23523) · FFIEC NIC profile (RSSD 563336)