Citizens Bank of Kansas: 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 2.45 percentage points in Q2 2026, from 88.27% to 85.82%. It was the largest change from Q1 2026 among the key lines here. Citizens Bank of Kansas ranks 163rd of 182 Kansas banks on loan-to-deposit ratio, in the lower half at 47.95% (Q2 2026). Citizens Bank of Kansas reported 47.95% on loan-to-deposit ratio for Q2 2026, 32.89 points below the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $239.1M |
| Net loans and leases | $236.5M |
| Loans held for sale | $379K |
| Loans to total assets | 43.59% |
| Loan-to-deposit ratio | 47.95% |
| Net loans to equity capital | 7.01% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 20.54% |
| Multifamily (5+ residential) | 3.85% |
| Commercial and industrial | 4.87% |
| Consumer | 1.45% |
| Credit cards | 0.00% |
| Farm | 13.06% |
| Loans to depository institutions | 0.84% |
| State and political subdivisions | 0.28% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 85.82% |
| Construction concentration (Tier 1 capital + allowance) | 18.62% |
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 | 6.16% |
| Interest income on loans | $3.6M |
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 | $232.6M | $426.3M | 20.49% | 5.59% | 1.97% |
| Q4 2023 | $237.0M | $444.6M | 20.94% | 4.59% | 1.87% |
| Q1 2024 | $232.0M | $455.4M | 20.09% | 4.58% | 1.88% |
| Q2 2024 | $231.8M | $459.2M | 19.84% | 4.47% | 1.81% |
| Q3 2024 | $226.2M | $442.9M | 19.97% | 3.71% | 1.81% |
| Q4 2024 | $240.8M | $447.7M | 21.09% | 5.34% | 1.55% |
| Q1 2025 | $239.9M | $469.6M | 20.81% | 5.32% | 1.38% |
| Q2 2025 | $244.1M | $471.3M | 20.91% | 5.09% | 1.35% |
| Q3 2025 | $235.8M | $458.7M | 20.94% | 5.27% | 1.40% |
| Q4 2025 | $242.6M | $478.1M | 20.04% | 4.37% | 1.37% |
| Q1 2026 | $237.9M | $497.5M | 21.52% | 4.69% | 1.45% |
| Q2 2026 | $239.1M | $498.6M | 20.54% | 4.87% | 1.45% |
Citizens Bank of Kansas loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Citizens Bank of Kansas, 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 Kansas profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4707) · FFIEC NIC profile (RSSD 1014853)