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 CRE concentration (Tier 1 capital + allowance): 6.13 percentage points lower than in Q1 2026, at 204.07%. The Citizens Bank ranks 47th of 120 Kentucky banks on loan-to-deposit ratio, in the upper half at 86.10% (Q2 2026). The Citizens Bank reported 86.10% on loan-to-deposit ratio for Q2 2026, 5.26 points above the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $166.8M |
| Net loans and leases | $165.1M |
| Loans held for sale | $0 |
| Loans to total assets | 75.68% |
| Loan-to-deposit ratio | 86.10% |
| Net loans to equity capital | 6.48% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 25.00% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 10.98% |
| Consumer | 2.31% |
| Credit cards | 0.00% |
| Farm | 32.66% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 204.07% |
| Construction concentration (Tier 1 capital + allowance) | 2.98% |
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 | 6.74% |
| Interest income on loans | $2.8M |
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 | $140.6M | $161.3M | 23.92% | 12.16% | 3.28% |
| Q4 2023 | $134.9M | $166.7M | 25.51% | 12.47% | 3.30% |
| Q1 2024 | $140.9M | $169.2M | 26.71% | 11.74% | 3.26% |
| Q2 2024 | $144.1M | $164.5M | 25.95% | 11.19% | 3.08% |
| Q3 2024 | $147.8M | $166.9M | 25.36% | 9.73% | 3.16% |
| Q4 2024 | $142.8M | $175.7M | 25.69% | 8.96% | 3.06% |
| Q1 2025 | $144.8M | $182.3M | 27.31% | 10.35% | 2.77% |
| Q2 2025 | $149.3M | $190.8M | 27.29% | 10.32% | 2.73% |
| Q3 2025 | $150.7M | $190.9M | 26.78% | 11.60% | 2.70% |
| Q4 2025 | $160.0M | $194.5M | 25.72% | 11.06% | 2.50% |
| Q1 2026 | $162.3M | $198.4M | 26.36% | 10.98% | 2.31% |
| Q2 2026 | $166.8M | $193.7M | 25.00% | 10.98% | 2.31% |
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 9306) · FFIEC NIC profile (RSSD 617145)