The Citizens Bank of Edmond: 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: 8.18 percentage points higher than in Q1 2026, at 97.03%. Within Oklahoma, The Citizens Bank of Edmond is 24th of 169 on loan-to-deposit ratio, 97.03% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 80.94% on loan-to-deposit ratio. The Citizens Bank of Edmond sits 16.09 points higher, at 97.03% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $376.3M |
| Net loans and leases | $372.9M |
| Loans held for sale | $1.1M |
| Loans to total assets | 87.03% |
| Loan-to-deposit ratio | 97.03% |
| Net loans to equity capital | 11.04% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 38.73% |
| Multifamily (5+ residential) | 4.49% |
| Commercial and industrial | 6.80% |
| Consumer | 0.17% |
| Credit cards | 0.00% |
| Farm | 0.66% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 291.92% |
| Construction concentration (Tier 1 capital + allowance) | 57.45% |
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 | 6.45% |
| Interest income on loans | $5.9M |
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 | $315.3M | $314.0M | 45.98% | 8.46% | 0.40% |
| Q4 2023 | $317.9M | $323.9M | 45.25% | 8.89% | 0.38% |
| Q1 2024 | $311.3M | $339.2M | 46.16% | 8.89% | 0.37% |
| Q2 2024 | $317.6M | $353.0M | 45.59% | 8.66% | 0.41% |
| Q3 2024 | $330.8M | $351.6M | 45.37% | 8.39% | 0.38% |
| Q4 2024 | $337.5M | $343.9M | 44.64% | 8.13% | 0.32% |
| Q1 2025 | $340.4M | $376.0M | 45.34% | 8.15% | 0.28% |
| Q2 2025 | $352.5M | $378.9M | 45.67% | 8.06% | 0.27% |
| Q3 2025 | $342.4M | $373.1M | 45.57% | 8.25% | 0.27% |
| Q4 2025 | $345.0M | $378.5M | 43.44% | 7.52% | 0.24% |
| Q1 2026 | $356.3M | $401.0M | 40.98% | 7.18% | 0.22% |
| Q2 2026 | $376.3M | $387.8M | 38.73% | 6.80% | 0.17% |
The Citizens Bank of Edmond loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The Citizens Bank of Edmond, 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 Edmond profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4084) · FFIEC NIC profile (RSSD 172457)