The Citizens Bank of Edina: 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: 4.25 percentage points higher than in Q1 2026, at 85.75%. The Citizens Bank of Edina ranks 95th of 192 Missouri banks on loan-to-deposit ratio, in the upper half at 85.75% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. The Citizens Bank of Edina sits 4.91 points higher, at 85.75% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $77.9M |
| Net loans and leases | $76.9M |
| Loans held for sale | $0 |
| Loans to total assets | 73.04% |
| Loan-to-deposit ratio | 85.75% |
| Net loans to equity capital | 5.07% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 8.36% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 9.17% |
| Consumer | 3.87% |
| Credit cards | 0.00% |
| Farm | 25.90% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 5.47% |
| Construction concentration (Tier 1 capital + allowance) | 5.47% |
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 | 7.24% |
| 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 | $63.1M | $79.9M | 10.17% | 9.37% | 4.00% |
| Q4 2023 | $64.7M | $85.8M | 11.18% | 9.51% | 4.19% |
| Q1 2024 | $63.2M | $82.7M | 11.30% | 10.04% | 3.96% |
| Q2 2024 | $66.2M | $86.2M | 11.77% | 10.35% | 3.77% |
| Q3 2024 | $66.7M | $84.0M | 12.87% | 9.89% | 3.93% |
| Q4 2024 | $70.8M | $89.3M | 10.95% | 9.75% | 3.67% |
| Q1 2025 | $68.0M | $91.1M | 10.69% | 9.58% | 3.74% |
| Q2 2025 | $69.7M | $89.8M | 10.06% | 9.34% | 3.61% |
| Q3 2025 | $66.3M | $84.2M | 8.99% | 9.10% | 3.77% |
| Q4 2025 | $72.3M | $90.1M | 8.68% | 9.40% | 3.45% |
| Q1 2026 | $72.1M | $88.5M | 8.57% | 10.43% | 3.90% |
| Q2 2026 | $77.9M | $90.9M | 8.36% | 9.17% | 3.87% |
The Citizens Bank of Edina loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The Citizens Bank of Edina, 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 Edina profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 12457) · FFIEC NIC profile (RSSD 699253)