Citizens Bank of the South: 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 12.14 percentage points in Q2 2026, from 159.18% to 147.04%. It was the largest change from Q1 2026 among the key lines here. Citizens Bank of the South ranks 29th of 122 Georgia banks on loan-to-deposit ratio, in the upper half at 87.89% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Citizens Bank of the South sits 7.06 points higher, at 87.89% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $303.8M |
| Net loans and leases | $300.0M |
| Loans held for sale | $0 |
| Loans to total assets | 76.89% |
| Loan-to-deposit ratio | 87.89% |
| Net loans to equity capital | 6.21% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 24.68% |
| Multifamily (5+ residential) | 4.34% |
| Commercial and industrial | 8.80% |
| Consumer | 3.81% |
| Credit cards | 0.17% |
| Farm | 1.90% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.91% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 147.04% |
| Construction concentration (Tier 1 capital + allowance) | 68.86% |
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 | 7.28% |
| Interest income on loans | $5.4M |
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 | $220.8M | $267.5M | 21.75% | 8.55% | 5.00% |
| Q4 2023 | $229.3M | $271.4M | 20.32% | 8.06% | 4.99% |
| Q1 2024 | $234.5M | $282.8M | 19.68% | 8.47% | 4.74% |
| Q2 2024 | $237.3M | $271.6M | 19.27% | 8.08% | 4.90% |
| Q3 2024 | $244.4M | $279.8M | 18.77% | 8.33% | 4.81% |
| Q4 2024 | $246.8M | $295.9M | 18.42% | 8.82% | 4.69% |
| Q1 2025 | $255.1M | $297.1M | 18.31% | 9.07% | 4.44% |
| Q2 2025 | $265.1M | $295.7M | 18.40% | 8.97% | 4.04% |
| Q3 2025 | $277.6M | $312.4M | 19.57% | 9.51% | 4.17% |
| Q4 2025 | $283.1M | $309.4M | 23.23% | 9.14% | 4.11% |
| Q1 2026 | $295.4M | $342.8M | 24.96% | 7.88% | 3.90% |
| Q2 2026 | $303.8M | $345.6M | 24.68% | 8.80% | 3.81% |
Citizens Bank of the South loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Citizens Bank of the South, 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 South profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 19420) · FFIEC NIC profile (RSSD 367431)