The Citizens Bank of Philadelphia: 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 7.69 percentage points in Q2 2026, from 288.94% to 281.25%. It was the largest change from Q1 2026 among the key lines here. Within Mississippi, The Citizens Bank of Philadelphia is 36th of 57 on loan-to-deposit ratio, 67.82% as of Q2 2026, below the middle of the field. The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. The Citizens Bank of Philadelphia sits 20.38 points lower, at 67.82% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $894.0M |
| Net loans and leases | $884.6M |
| Loans held for sale | $605K |
| Loans to total assets | 57.46% |
| Loan-to-deposit ratio | 67.82% |
| Net loans to equity capital | 10.18% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 48.50% |
| Multifamily (5+ residential) | 4.60% |
| Commercial and industrial | 10.88% |
| Consumer | 2.33% |
| Credit cards | 0.47% |
| Farm | 1.93% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 1.15% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 281.25% |
| Construction concentration (Tier 1 capital + allowance) | 62.78% |
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 | 6.86% |
| Interest income on loans | $14.9M |
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 | $587.2M | $1.19B | 50.18% | 11.17% | 2.84% |
| Q4 2023 | $642.0M | $1.17B | 50.47% | 12.37% | 2.66% |
| Q1 2024 | $667.4M | $1.21B | 54.64% | 10.25% | 2.49% |
| Q2 2024 | $679.2M | $1.17B | 54.83% | 10.49% | 2.59% |
| Q3 2024 | $711.5M | $1.09B | 53.37% | 10.38% | 2.52% |
| Q4 2024 | $766.1M | $1.07B | 51.59% | 9.59% | 2.40% |
| Q1 2025 | $803.9M | $1.23B | 49.90% | 9.63% | 2.29% |
| Q2 2025 | $818.0M | $1.27B | 48.99% | 8.03% | 2.33% |
| Q3 2025 | $831.2M | $1.18B | 50.12% | 8.75% | 2.37% |
| Q4 2025 | $842.4M | $1.34B | 50.53% | 9.23% | 2.46% |
| Q1 2026 | $845.7M | $1.35B | 48.39% | 10.07% | 2.47% |
| Q2 2026 | $894.0M | $1.32B | 48.50% | 10.88% | 2.33% |
The Citizens Bank of Philadelphia loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The Citizens Bank of Philadelphia, 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 Philadelphia profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 12204) · FFIEC NIC profile (RSSD 29636)