Citizens Bank of Edinburg: 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 real estate (nonfarm nonresidential) dropped 3.88 percentage points in Q3 2026, from 48.63% to 44.75%. It was the largest change from Q2 2026 among the key lines here. Citizens Bank of Edinburg has the 6th lowest loan-to-deposit ratio of the 323 banks headquartered in Illinois, at 29.68% as of Q3 2026. Citizens Bank of Edinburg's loan-to-deposit ratio of 29.68% is well below the 67.62% median for banks in the < $100M asset tier, a gap of 37.94 points (Q3 2026); the peer median is as of Q2 2026.
Loan totals
| Line item | Q3 2026 |
|---|---|
| Total loans and leases | $7.9M |
| Net loans and leases | $7.8M |
| Loans held for sale | $0 |
| Loans to total assets | 26.24% |
| Loan-to-deposit ratio | 29.68% |
| Net loans to equity capital | 2.37% |
Portfolio mix (share of total loans)
| Line item | Q3 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 44.75% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 11.42% |
| Consumer | 3.93% |
| Credit cards | 0.00% |
| Farm | 9.39% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q3 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 12.72% |
| Construction concentration (Tier 1 capital + allowance) | 8.39% |
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 | Q3 2026 |
|---|---|
| Yield on loans | 5.87% |
| Interest income on loans | $123K |
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 |
|---|---|---|---|---|---|
| Q4 2023 | $10.3M | $27.9M | 49.24% | 8.30% | 6.69% |
| Q1 2024 | $10.0M | $27.5M | 49.31% | 8.34% | 6.69% |
| Q2 2024 | $9.5M | $27.0M | 47.36% | 8.53% | 7.52% |
| Q3 2024 | $9.7M | $29.4M | 50.64% | 8.15% | 6.68% |
| Q4 2024 | $9.3M | $28.8M | 52.83% | 7.90% | 6.13% |
| Q1 2025 | $8.9M | $30.5M | 53.88% | 7.97% | 3.64% |
| Q2 2025 | $8.6M | $27.5M | 47.55% | 13.66% | 4.02% |
| Q3 2025 | $9.3M | $29.0M | 47.60% | 12.28% | 3.05% |
| Q4 2025 | $8.6M | $27.1M | 49.74% | 12.21% | 4.12% |
| Q1 2026 | $8.7M | $26.7M | 48.51% | 11.61% | 3.92% |
| Q2 2026 | $8.5M | $25.4M | 48.63% | 11.21% | 3.54% |
| Q3 2026 | $7.9M | $26.6M | 44.75% | 11.42% | 3.93% |
Citizens Bank of Edinburg loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Citizens Bank of Edinburg, 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 Edinburg profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 20454) · FFIEC NIC profile (RSSD 915935)