Citizens Bank of West Virginia, 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.
The standout move of Q2 2026 was in CRE concentration (Tier 1 capital + allowance): 20.44 percentage points higher than in Q1 2026, at 84.21%. Within West Virginia, Citizens Bank of West Virginia, Inc. is 9th of 41 on loan-to-deposit ratio, 90.00% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 80.94% on loan-to-deposit ratio. Citizens Bank of West Virginia, Inc. sits 9.05 points higher, at 90.00% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $610.8M |
| Net loans and leases | $604.5M |
| Loans held for sale | $0 |
| Loans to total assets | 79.07% |
| Loan-to-deposit ratio | 90.00% |
| Net loans to equity capital | 7.65% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 22.33% |
| Multifamily (5+ residential) | 1.00% |
| Commercial and industrial | 7.75% |
| Consumer | 48.07% |
| Credit cards | 0.00% |
| Farm | 0.18% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 1.14% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 84.21% |
| Construction concentration (Tier 1 capital + allowance) | 9.39% |
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 | 6.70% |
| Interest income on loans | $9.8M |
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 | $503.8M | $543.8M | 14.39% | 4.52% | 54.25% |
| Q4 2023 | $525.4M | $578.7M | 15.01% | 4.50% | 55.43% |
| Q1 2024 | $535.4M | $576.2M | 14.80% | 4.54% | 56.12% |
| Q2 2024 | $548.3M | $582.3M | 15.12% | 4.76% | 56.46% |
| Q3 2024 | $552.4M | $590.9M | 15.64% | 4.79% | 56.30% |
| Q4 2024 | $549.5M | $591.4M | 15.60% | 5.33% | 56.05% |
| Q1 2025 | $538.7M | $609.1M | 16.17% | 5.43% | 55.45% |
| Q2 2025 | $540.2M | $601.8M | 16.16% | 5.77% | 54.75% |
| Q3 2025 | $550.0M | $602.8M | 16.72% | 6.71% | 53.71% |
| Q4 2025 | $559.3M | $620.7M | 16.50% | 8.18% | 52.58% |
| Q1 2026 | $583.5M | $688.2M | 16.12% | 8.07% | 49.62% |
| Q2 2026 | $610.8M | $678.7M | 22.33% | 7.75% | 48.07% |
Citizens Bank of West Virginia, Inc. loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Citizens Bank of West Virginia, 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 West Virginia, Inc. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 6760) · FFIEC NIC profile (RSSD 481627)