The Citizens Bank of Clovis: 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 7.85 percentage points in Q2 2026, from 159.21% to 151.36%. It was the largest change from Q1 2026 among the key lines here. The Citizens Bank of Clovis ranks 10th of 29 New Mexico banks on loan-to-deposit ratio, in the upper half at 69.38% (Q2 2026). The Citizens Bank of Clovis reported 69.38% on loan-to-deposit ratio for Q2 2026, 11.46 points below the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $305.2M |
| Net loans and leases | $301.6M |
| Loans held for sale | $0 |
| Loans to total assets | 61.83% |
| Loan-to-deposit ratio | 69.38% |
| Net loans to equity capital | 8.95% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 34.27% |
| Multifamily (5+ residential) | 7.04% |
| Commercial and industrial | 9.42% |
| Consumer | 0.40% |
| Credit cards | 0.00% |
| Farm | 8.09% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 151.36% |
| Construction concentration (Tier 1 capital + allowance) | 28.96% |
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 | 6.77% |
| Interest income on loans | $5.1M |
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 | $293.1M | $407.0M | 21.76% | 8.15% | 0.45% |
| Q4 2023 | $312.5M | $422.6M | 21.33% | 8.08% | 0.41% |
| Q1 2024 | $320.2M | $436.0M | 20.30% | 7.93% | 0.39% |
| Q2 2024 | $329.8M | $437.7M | 19.06% | 7.97% | 0.40% |
| Q3 2024 | $342.6M | $435.8M | 30.33% | 5.09% | 0.41% |
| Q4 2024 | $330.9M | $451.2M | 32.30% | 4.70% | 0.41% |
| Q1 2025 | $334.6M | $433.8M | 33.06% | 4.71% | 0.38% |
| Q2 2025 | $321.4M | $430.8M | 33.15% | 6.92% | 0.42% |
| Q3 2025 | $322.6M | $430.6M | 27.00% | 12.66% | 0.35% |
| Q4 2025 | $313.8M | $462.7M | 30.39% | 10.30% | 0.38% |
| Q1 2026 | $316.0M | $443.3M | 33.62% | 11.80% | 0.38% |
| Q2 2026 | $305.2M | $439.9M | 34.27% | 9.42% | 0.40% |
The Citizens Bank of Clovis loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The Citizens Bank of Clovis, 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 of Clovis profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11491) · FFIEC NIC profile (RSSD 710859)