The Citizens Bank of Winfield: 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): 6.69 percentage points lower than in Q1 2026, at 21.70%. The Citizens Bank of Winfield ranks 72nd of 93 Alabama banks on loan-to-deposit ratio, in the lower half at 52.72% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. The Citizens Bank of Winfield sits 28.12 points lower, at 52.72% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $113.4M |
| Net loans and leases | $112.3M |
| Loans held for sale | $0 |
| Loans to total assets | 37.65% |
| Loan-to-deposit ratio | 52.72% |
| Net loans to equity capital | 3.82% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 14.20% |
| Multifamily (5+ residential) | 0.25% |
| Commercial and industrial | 15.01% |
| Consumer | 19.43% |
| Credit cards | 0.00% |
| Farm | 0.11% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 6.34% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 21.70% |
| Construction concentration (Tier 1 capital + allowance) | 16.32% |
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 | 8.25% |
| Interest income on loans | $2.3M |
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 | $72.3M | $225.3M | 11.12% | 14.84% | 24.54% |
| Q4 2023 | $76.2M | $241.9M | 12.40% | 14.12% | 23.50% |
| Q1 2024 | $81.6M | $269.2M | 13.33% | 13.80% | 22.06% |
| Q2 2024 | $85.4M | $228.0M | 15.04% | 13.45% | 21.93% |
| Q3 2024 | $87.1M | $229.8M | 15.33% | 14.02% | 21.47% |
| Q4 2024 | $90.3M | $229.6M | 15.43% | 13.82% | 20.37% |
| Q1 2025 | $91.4M | $218.0M | 14.98% | 13.55% | 20.04% |
| Q2 2025 | $93.2M | $200.5M | 15.10% | 12.98% | 20.75% |
| Q3 2025 | $99.7M | $217.2M | 13.79% | 11.85% | 20.56% |
| Q4 2025 | $112.4M | $221.2M | 14.55% | 16.21% | 18.66% |
| Q1 2026 | $113.8M | $219.4M | 13.51% | 16.50% | 18.40% |
| Q2 2026 | $113.4M | $215.2M | 14.20% | 15.01% | 19.43% |
The Citizens Bank of Winfield loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The Citizens Bank of Winfield, 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 Winfield profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 52) · FFIEC NIC profile (RSSD 293437)