Citizens Bank Minnesota: 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: 2.27 percentage points higher than in Q1 2026, at 81.11%. Within Minnesota, Citizens Bank Minnesota is 111th of 221 on loan-to-deposit ratio, 81.11% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio; Citizens Bank Minnesota reported 81.11% for Q2 2026, nearly level with it.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $404.5M |
| Net loans and leases | $401.6M |
| Loans held for sale | $0 |
| Loans to total assets | 67.88% |
| Loan-to-deposit ratio | 81.11% |
| Net loans to equity capital | 7.45% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 6.99% |
| Multifamily (5+ residential) | 2.49% |
| Commercial and industrial | 6.11% |
| Consumer | 1.23% |
| Credit cards | 0.00% |
| Farm | 31.19% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 47.49% |
| Construction concentration (Tier 1 capital + allowance) | 8.86% |
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 | 5.94% |
| Interest income on loans | $6.0M |
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 | $380.1M | $502.5M | 5.12% | 6.27% | 1.61% |
| Q4 2023 | $389.9M | $510.4M | 5.13% | 5.15% | 1.67% |
| Q1 2024 | $385.1M | $502.9M | 7.23% | 6.59% | 1.62% |
| Q2 2024 | $386.9M | $478.0M | 7.13% | 6.90% | 1.69% |
| Q3 2024 | $384.9M | $478.0M | 7.06% | 6.80% | 1.45% |
| Q4 2024 | $394.0M | $481.9M | 7.25% | 6.28% | 1.43% |
| Q1 2025 | $385.5M | $501.9M | 7.07% | 6.22% | 1.48% |
| Q2 2025 | $391.4M | $493.3M | 6.56% | 6.35% | 1.31% |
| Q3 2025 | $402.9M | $502.6M | 9.21% | 6.16% | 1.24% |
| Q4 2025 | $408.5M | $509.6M | 7.96% | 6.25% | 1.35% |
| Q1 2026 | $399.3M | $506.5M | 7.58% | 6.29% | 1.26% |
| Q2 2026 | $404.5M | $498.7M | 6.99% | 6.11% | 1.23% |
Citizens Bank Minnesota loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Citizens Bank Minnesota, 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 Minnesota profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8200) · FFIEC NIC profile (RSSD 874050)