Citizens Bank of Ada: 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 and industrial climbed 1.80 percentage points in Q2 2026, from 16.31% to 18.11%. It was the largest change from Q1 2026 among the key lines here. Within Oklahoma, Citizens Bank of Ada is 136th of 169 on loan-to-deposit ratio, 61.51% 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 of Ada sits 19.33 points lower, at 61.51% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $191.1M |
| Net loans and leases | $188.8M |
| Loans held for sale | $1.7M |
| Loans to total assets | 54.03% |
| Loan-to-deposit ratio | 61.51% |
| Net loans to equity capital | 5.80% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 22.19% |
| Multifamily (5+ residential) | 1.72% |
| Commercial and industrial | 18.11% |
| Consumer | 3.96% |
| Credit cards | 0.00% |
| Farm | 9.09% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.08% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 94.57% |
| Construction concentration (Tier 1 capital + allowance) | 20.34% |
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 | 7.19% |
| Interest income on loans | $3.3M |
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 | $155.5M | $245.7M | 26.89% | 14.55% | 4.84% |
| Q4 2023 | $162.1M | $258.7M | 27.05% | 14.06% | 4.68% |
| Q1 2024 | $163.4M | $264.4M | 27.38% | 12.45% | 4.67% |
| Q2 2024 | $167.7M | $265.0M | 26.74% | 11.89% | 4.55% |
| Q3 2024 | $170.9M | $260.7M | 26.40% | 10.97% | 4.39% |
| Q4 2024 | $175.3M | $287.0M | 25.14% | 11.08% | 4.45% |
| Q1 2025 | $174.2M | $280.8M | 25.42% | 10.82% | 4.21% |
| Q2 2025 | $179.9M | $281.0M | 24.63% | 13.48% | 3.89% |
| Q3 2025 | $178.2M | $282.7M | 25.07% | 13.16% | 3.91% |
| Q4 2025 | $181.4M | $301.0M | 24.17% | 15.10% | 3.89% |
| Q1 2026 | $184.6M | $295.8M | 22.72% | 16.31% | 4.00% |
| Q2 2026 | $191.1M | $310.7M | 22.19% | 18.11% | 3.96% |
Citizens Bank of Ada loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Citizens Bank of Ada, 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 of Ada profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 19679) · FFIEC NIC profile (RSSD 807656)