Citizens Bank of Eldon: 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 Construction concentration (Tier 1 capital + allowance): 11.60 percentage points lower than in Q1 2026, at 37.82%. Citizens Bank of Eldon ranks 46th of 191 Missouri banks on loan-to-deposit ratio, in the upper half at 94.52% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.55% on loan-to-deposit ratio. Citizens Bank of Eldon sits 13.96 points higher, at 94.52% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $204.5M |
| Net loans and leases | $201.8M |
| Loans held for sale | $0 |
| Loans to total assets | 82.69% |
| Loan-to-deposit ratio | 94.52% |
| Net loans to equity capital | 7.19% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 10.76% |
| Multifamily (5+ residential) | 0.22% |
| Commercial and industrial | 7.76% |
| Consumer | 7.90% |
| Credit cards | 0.00% |
| Farm | 26.14% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.06% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 40.63% |
| Construction concentration (Tier 1 capital + allowance) | 37.82% |
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 | 6.93% |
| Interest income on loans | $3.5M |
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 | $152.8M | $180.0M | 8.72% | 7.93% | 11.46% |
| Q4 2023 | $156.9M | $186.7M | 9.03% | 8.55% | 11.17% |
| Q1 2024 | $160.1M | $187.3M | 9.07% | 8.86% | 11.53% |
| Q2 2024 | $165.2M | $188.0M | 9.10% | 8.59% | 11.68% |
| Q3 2024 | $170.1M | $190.9M | 9.85% | 9.10% | 10.99% |
| Q4 2024 | $169.1M | $198.0M | 10.30% | 9.18% | 10.53% |
| Q1 2025 | $172.5M | $203.6M | 11.41% | 9.76% | 10.12% |
| Q2 2025 | $178.1M | $205.1M | 12.24% | 9.31% | 9.90% |
| Q3 2025 | $185.4M | $209.4M | 11.06% | 8.79% | 9.21% |
| Q4 2025 | $192.5M | $214.1M | 11.02% | 8.26% | 8.52% |
| Q1 2026 | $198.7M | $213.2M | 10.98% | 7.77% | 8.13% |
| Q2 2026 | $204.5M | $216.3M | 10.76% | 7.76% | 7.90% |
Citizens Bank of Eldon loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Citizens Bank of Eldon, 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 Eldon profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1956) · FFIEC NIC profile (RSSD 954251)