Citizens Bank of Kentucky, Inc: 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: 2.57 percentage points higher than in Q1 2026, at 60.69%. On loan-to-deposit ratio, Citizens Bank of Kentucky, Inc is 9th from the bottom among 120 Kentucky banks, 60.69% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Citizens Bank of Kentucky, Inc sits 20.15 points lower, at 60.69% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $346.5M |
| Net loans and leases | $341.6M |
| Loans held for sale | $0 |
| Loans to total assets | 51.73% |
| Loan-to-deposit ratio | 60.69% |
| Net loans to equity capital | 3.80% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 44.37% |
| Multifamily (5+ residential) | 2.85% |
| Commercial and industrial | 8.71% |
| Consumer | 2.52% |
| Credit cards | 0.00% |
| Farm | 0.01% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 120.89% |
| Construction concentration (Tier 1 capital + allowance) | 19.67% |
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 | 5.98% |
| Interest income on loans | $5.2M |
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 | $305.9M | $595.7M | 43.65% | 6.93% | 3.96% |
| Q4 2023 | $313.8M | $572.7M | 43.54% | 7.10% | 3.92% |
| Q1 2024 | $322.1M | $584.0M | 41.95% | 8.22% | 3.74% |
| Q2 2024 | $335.9M | $570.5M | 41.48% | 7.49% | 3.54% |
| Q3 2024 | $320.5M | $586.6M | 41.78% | 7.55% | 3.61% |
| Q4 2024 | $322.7M | $573.9M | 42.92% | 7.31% | 3.35% |
| Q1 2025 | $329.4M | $590.4M | 44.81% | 8.20% | 3.14% |
| Q2 2025 | $330.5M | $598.7M | 44.52% | 8.32% | 3.08% |
| Q3 2025 | $325.6M | $607.0M | 42.33% | 6.88% | 2.99% |
| Q4 2025 | $336.7M | $591.4M | 43.00% | 7.90% | 2.78% |
| Q1 2026 | $342.2M | $588.8M | 44.94% | 8.36% | 2.69% |
| Q2 2026 | $346.5M | $571.0M | 44.37% | 8.71% | 2.52% |
Citizens Bank of Kentucky, Inc loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Citizens Bank of Kentucky, Inc, 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 Kentucky, Inc profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 2718) · FFIEC NIC profile (RSSD 495419)