Citizens' Bank of Charleston: 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.
Loan-to-deposit ratio climbed 6.82 percentage points in Q2 2026, from 95.89% to 102.71%. It was the largest change from Q1 2026 among the key lines here. On loan-to-deposit ratio, Citizens' Bank of Charleston ranks 18th highest among the 192 banks headquartered in Missouri, at 102.71% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Citizens' Bank of Charleston sits 21.87 points higher, at 102.71% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $150.6M |
| Net loans and leases | $148.8M |
| Loans held for sale | $0 |
| Loans to total assets | 81.34% |
| Loan-to-deposit ratio | 102.71% |
| Net loans to equity capital | 3.95% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 5.10% |
| Multifamily (5+ residential) | 2.49% |
| Commercial and industrial | 17.46% |
| Consumer | 13.22% |
| Credit cards | 0.00% |
| Farm | 22.79% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.23% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 18.02% |
| Construction concentration (Tier 1 capital + allowance) | 2.21% |
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 | 7.13% |
| Interest income on loans | $2.7M |
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 | $121.8M | $140.0M | 5.07% | 10.83% | 11.38% |
| Q4 2023 | $115.6M | $142.3M | 5.42% | 12.39% | 12.41% |
| Q1 2024 | $115.9M | $145.2M | 5.30% | 13.58% | 13.20% |
| Q2 2024 | $125.0M | $140.6M | 4.85% | 11.66% | 12.74% |
| Q3 2024 | $127.4M | $142.5M | 4.64% | 11.23% | 13.00% |
| Q4 2024 | $124.5M | $151.5M | 4.77% | 12.47% | 13.81% |
| Q1 2025 | $123.7M | $144.4M | 4.71% | 13.47% | 14.17% |
| Q2 2025 | $140.4M | $139.2M | 4.85% | 14.40% | 13.40% |
| Q3 2025 | $148.6M | $146.0M | 4.85% | 16.38% | 12.91% |
| Q4 2025 | $139.2M | $152.2M | 5.31% | 17.77% | 13.95% |
| Q1 2026 | $141.4M | $147.5M | 5.41% | 18.17% | 13.68% |
| Q2 2026 | $150.6M | $146.6M | 5.10% | 17.46% | 13.22% |
Citizens' Bank of Charleston loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Citizens' Bank of Charleston, 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 Charleston profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17830) · FFIEC NIC profile (RSSD 376947)