Citizens Bank of Morgantown, 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.
Construction concentration (tier 1 capital + allowance) climbed 5.25 percentage points in Q2 2026, from 15.89% to 21.14%. It was the largest change from Q1 2026 among the key lines here. Within West Virginia, Citizens Bank of Morgantown, Inc. is 6th of 41 on loan-to-deposit ratio, 93.48% as of Q2 2026, above the middle of the field. The median for banks in the < $100M asset tier is 67.62% on loan-to-deposit ratio. Citizens Bank of Morgantown, Inc. sits 25.86 points higher, at 93.48% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $39.8M |
| Net loans and leases | $39.0M |
| Loans held for sale | $0 |
| Loans to total assets | 75.59% |
| Loan-to-deposit ratio | 93.48% |
| Net loans to equity capital | 4.22% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 4.50% |
| Multifamily (5+ residential) | 1.88% |
| Commercial and industrial | 4.00% |
| Consumer | 6.04% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 31.39% |
| Construction concentration (Tier 1 capital + allowance) | 21.14% |
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 | 6.72% |
| Interest income on loans | $654K |
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 | $38.5M | $41.2M | 10.98% | 4.33% | 4.92% |
| Q4 2023 | $37.6M | $40.4M | 11.09% | 4.83% | 5.42% |
| Q1 2024 | $37.2M | $40.2M | 10.69% | 4.72% | 5.19% |
| Q2 2024 | $37.8M | $41.7M | 9.42% | 4.18% | 5.04% |
| Q3 2024 | $37.7M | $40.6M | 9.25% | 4.23% | 5.47% |
| Q4 2024 | $36.7M | $40.5M | 9.41% | 4.27% | 5.53% |
| Q1 2025 | $37.3M | $42.6M | 8.74% | 4.50% | 4.96% |
| Q2 2025 | $37.0M | $42.3M | 8.59% | 4.53% | 5.36% |
| Q3 2025 | $37.3M | $43.2M | 8.34% | 4.65% | 5.53% |
| Q4 2025 | $38.4M | $41.8M | 7.62% | 4.67% | 5.90% |
| Q1 2026 | $38.1M | $42.1M | 5.15% | 4.27% | 5.99% |
| Q2 2026 | $39.8M | $42.5M | 4.50% | 4.00% | 6.04% |
Citizens Bank of Morgantown, Inc. loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Citizens Bank of Morgantown, 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 Morgantown, Inc. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 22954) · FFIEC NIC profile (RSSD 897237)