The Citizens Bank: 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 10.60 percentage points in Q2 2026, from 134.95% to 124.35%. It was the largest change from Q1 2026 among the key lines here. Within Alabama, The Citizens Bank is 28th of 93 on loan-to-deposit ratio, 78.27% as of Q2 2026, above 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 sits 2.57 points lower, at 78.27% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $164.2M |
| Net loans and leases | $162.4M |
| Loans held for sale | $416K |
| Loans to total assets | 70.37% |
| Loan-to-deposit ratio | 78.27% |
| Net loans to equity capital | 7.10% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 26.47% |
| Multifamily (5+ residential) | 3.76% |
| Commercial and industrial | 14.84% |
| Consumer | 1.86% |
| Credit cards | 0.00% |
| Farm | 0.84% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 124.35% |
| Construction concentration (Tier 1 capital + allowance) | 57.66% |
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 | 6.79% |
| 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 | $162.7M | $204.4M | 28.25% | 13.63% | 1.54% |
| Q4 2023 | $164.3M | $221.8M | 30.13% | 14.00% | 1.74% |
| Q1 2024 | $169.2M | $222.3M | 29.11% | 14.76% | 2.04% |
| Q2 2024 | $168.3M | $219.6M | 28.50% | 14.49% | 2.58% |
| Q3 2024 | $160.3M | $212.0M | 28.64% | 15.34% | 3.04% |
| Q4 2024 | $158.4M | $205.0M | 28.94% | 15.35% | 2.58% |
| Q1 2025 | $162.7M | $213.1M | 27.25% | 15.49% | 2.82% |
| Q2 2025 | $166.3M | $227.1M | 26.68% | 15.06% | 2.02% |
| Q3 2025 | $173.6M | $223.8M | 25.39% | 14.66% | 1.88% |
| Q4 2025 | $175.2M | $191.0M | 25.67% | 14.76% | 1.83% |
| Q1 2026 | $171.5M | $207.3M | 26.26% | 14.67% | 1.78% |
| Q2 2026 | $164.2M | $209.8M | 26.47% | 14.84% | 1.86% |
The Citizens Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The Citizens Bank, 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 profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16369) · FFIEC NIC profile (RSSD 374130)