Citizens Bank of the Midwest: 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) climbed 14.89 percentage points in Q2 2026, from 200.59% to 215.48%. It was the largest change from Q1 2026 among the key lines here. Citizens Bank of the Midwest ranks 89th of 192 Missouri banks on loan-to-deposit ratio, in the upper half at 86.64% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Citizens Bank of the Midwest sits 5.81 points higher, at 86.64% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $166.0M |
| Net loans and leases | $163.9M |
| Loans held for sale | $1.4M |
| Loans to total assets | 69.68% |
| Loan-to-deposit ratio | 86.64% |
| Net loans to equity capital | 11.55% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 23.25% |
| Multifamily (5+ residential) | 1.09% |
| Commercial and industrial | 8.33% |
| Consumer | 1.97% |
| Credit cards | 0.00% |
| Farm | 8.72% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 215.48% |
| Construction concentration (Tier 1 capital + allowance) | 57.15% |
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 | 6.94% |
| Interest income on loans | $2.9M |
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 | $142.7M | $151.2M | 26.82% | 5.75% | 3.16% |
| Q4 2023 | $148.7M | $169.8M | 26.27% | 6.51% | 2.93% |
| Q1 2024 | $150.5M | $171.2M | 25.60% | 6.30% | 3.04% |
| Q2 2024 | $145.7M | $167.3M | 24.46% | 6.23% | 3.06% |
| Q3 2024 | $151.3M | $168.5M | 24.36% | 5.71% | 2.88% |
| Q4 2024 | $148.4M | $177.8M | 24.01% | 5.59% | 2.81% |
| Q1 2025 | $154.6M | $195.8M | 21.44% | 8.24% | 2.72% |
| Q2 2025 | $163.5M | $198.2M | 21.08% | 7.40% | 2.43% |
| Q3 2025 | $162.4M | $188.2M | 20.95% | 7.71% | 2.15% |
| Q4 2025 | $164.6M | $194.7M | 21.44% | 8.07% | 2.10% |
| Q1 2026 | $165.5M | $207.9M | 21.55% | 8.64% | 2.00% |
| Q2 2026 | $166.0M | $191.6M | 23.25% | 8.33% | 1.97% |
Citizens Bank of the Midwest loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Citizens Bank of the Midwest, 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 the Midwest profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16126) · FFIEC NIC profile (RSSD 44750)