Citizens Bank of Rogersville: 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 CRE concentration (Tier 1 capital + allowance): 5.70 percentage points lower than in Q1 2026, at 148.52%. Citizens Bank of Rogersville ranks 80th of 192 Missouri banks on loan-to-deposit ratio, in the upper half at 87.87% (Q2 2026). Citizens Bank of Rogersville reported 87.87% on loan-to-deposit ratio for Q2 2026, 7.03 points above the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $93.7M |
| Net loans and leases | $91.6M |
| Loans held for sale | $0 |
| Loans to total assets | 74.84% |
| Loan-to-deposit ratio | 87.87% |
| Net loans to equity capital | 6.63% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 22.34% |
| Multifamily (5+ residential) | 4.11% |
| Commercial and industrial | 11.70% |
| Consumer | 2.70% |
| Credit cards | 0.00% |
| Farm | 5.59% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 148.52% |
| Construction concentration (Tier 1 capital + allowance) | 71.75% |
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 | 7.13% |
| Interest income on loans | $1.7M |
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 | $97.9M | $108.0M | 19.43% | 14.21% | 5.34% |
| Q4 2023 | $98.4M | $109.9M | 19.10% | 14.41% | 5.39% |
| Q1 2024 | $98.6M | $106.4M | 17.69% | 14.94% | 5.20% |
| Q2 2024 | $100.9M | $104.5M | 17.07% | 14.15% | 4.45% |
| Q3 2024 | $101.2M | $108.9M | 16.98% | 12.66% | 3.97% |
| Q4 2024 | $98.2M | $105.8M | 18.07% | 12.00% | 3.92% |
| Q1 2025 | $98.7M | $105.2M | 19.12% | 11.89% | 3.33% |
| Q2 2025 | $96.1M | $102.8M | 19.44% | 11.96% | 3.56% |
| Q3 2025 | $94.9M | $104.2M | 21.22% | 12.65% | 3.18% |
| Q4 2025 | $92.3M | $104.6M | 22.68% | 11.67% | 2.93% |
| Q1 2026 | $92.9M | $102.8M | 23.58% | 11.62% | 2.70% |
| Q2 2026 | $93.7M | $106.6M | 22.34% | 11.70% | 2.70% |
Citizens Bank of Rogersville loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Citizens Bank of Rogersville, 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 Rogersville profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8572) · FFIEC NIC profile (RSSD 246451)