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.
The standout move of Q2 2026 was in Farm: 5.93 percentage points lower than in Q1 2026, at 19.22%. The Citizens Bank has the 3rd lowest loan-to-deposit ratio of the 93 banks headquartered in Alabama, at 32.48% as of Q2 2026. Against a median of 80.84% for banks in the $100M-1B asset tier, The Citizens Bank reported 32.48% on loan-to-deposit ratio in Q2 2026, 48.35 points lower.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $37.7M |
| Net loans and leases | $37.2M |
| Loans held for sale | $0 |
| Loans to total assets | 29.20% |
| Loan-to-deposit ratio | 32.48% |
| Net loans to equity capital | 3.00% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 6.11% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 18.20% |
| Consumer | 13.61% |
| Credit cards | 0.00% |
| Farm | 19.22% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 1.80% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 1.74% |
| Construction concentration (Tier 1 capital + allowance) | 1.13% |
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 | 6.78% |
| Interest income on loans | $659K |
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 | $36.4M | $101.0M | 9.59% | 16.35% | 12.50% |
| Q4 2023 | $37.0M | $105.9M | 9.21% | 17.82% | 12.51% |
| Q1 2024 | $38.3M | $104.6M | 8.67% | 16.53% | 12.46% |
| Q2 2024 | $40.4M | $106.0M | 8.06% | 18.42% | 11.76% |
| Q3 2024 | $39.5M | $108.0M | 8.18% | 18.23% | 12.39% |
| Q4 2024 | $38.7M | $111.7M | 7.94% | 16.53% | 13.16% |
| Q1 2025 | $38.2M | $113.4M | 6.34% | 15.93% | 13.38% |
| Q2 2025 | $38.2M | $115.5M | 6.15% | 16.58% | 13.24% |
| Q3 2025 | $37.8M | $114.5M | 5.94% | 16.64% | 13.45% |
| Q4 2025 | $39.9M | $117.8M | 6.03% | 16.92% | 13.29% |
| Q1 2026 | $39.1M | $116.9M | 6.11% | 17.22% | 13.04% |
| Q2 2026 | $37.7M | $116.2M | 6.11% | 18.20% | 13.61% |
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 22358) · FFIEC NIC profile (RSSD 571135)