The Citizens Bank of Weston, 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 Construction concentration (Tier 1 capital + allowance): 2.81 percentage points higher than in Q1 2026, at 22.60%. Within West Virginia, The Citizens Bank of Weston, Inc. is 25th of 41 on loan-to-deposit ratio, 81.49% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio; The Citizens Bank of Weston, Inc. reported 81.49% for Q2 2026, nearly level with it.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $217.7M |
| Net loans and leases | $214.8M |
| Loans held for sale | $0 |
| Loans to total assets | 71.92% |
| Loan-to-deposit ratio | 81.49% |
| Net loans to equity capital | 6.68% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 29.68% |
| Multifamily (5+ residential) | 6.11% |
| Commercial and industrial | 14.84% |
| Consumer | 4.38% |
| Credit cards | 0.00% |
| Farm | 4.91% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.94% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 164.44% |
| Construction concentration (Tier 1 capital + allowance) | 22.60% |
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 | — |
| Interest income on loans | $3.8M |
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 | $175.6M | $210.5M | 34.48% | 23.06% | 6.97% |
| Q4 2023 | $178.2M | $209.4M | 36.88% | 22.56% | 7.17% |
| Q1 2024 | $182.6M | $217.1M | 31.31% | 16.14% | 6.12% |
| Q2 2024 | $199.1M | $219.8M | 31.30% | 18.32% | 5.46% |
| Q3 2024 | $205.4M | $240.1M | 30.57% | 17.15% | 5.70% |
| Q4 2024 | $206.6M | $236.6M | 30.41% | 15.80% | 5.49% |
| Q1 2025 | $213.8M | $246.5M | 28.55% | 16.50% | 5.09% |
| Q2 2025 | $218.2M | $251.5M | 29.76% | 17.57% | 4.72% |
| Q3 2025 | $217.2M | $265.8M | 30.73% | 15.66% | 4.59% |
| Q4 2025 | $213.9M | $264.8M | 31.17% | 15.18% | 4.78% |
| Q1 2026 | $216.0M | $264.3M | 29.27% | 14.98% | 4.62% |
| Q2 2026 | $217.7M | $267.2M | 29.68% | 14.84% | 4.38% |
The Citizens Bank of Weston, Inc. loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The Citizens Bank of Weston, 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 The Citizens Bank of Weston, Inc. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 19674) · FFIEC NIC profile (RSSD 639633)