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) climbed 14.36 percentage points in Q2 2026, from 88.07% to 102.44%. It was the largest change from Q1 2026 among the key lines here. Within South Carolina, The Citizens Bank is 33rd of 44 on loan-to-deposit ratio, 63.30% as of Q2 2026, below the middle of the field. The Citizens Bank reported 63.30% on loan-to-deposit ratio for Q2 2026, 24.90 points below the 88.20% median for banks in the $1B-10B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $636.9M |
| Net loans and leases | $628.9M |
| Loans held for sale | $632K |
| Loans to total assets | 55.97% |
| Loan-to-deposit ratio | 63.30% |
| Net loans to equity capital | 5.15% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 24.73% |
| Multifamily (5+ residential) | 1.27% |
| Commercial and industrial | 7.74% |
| Consumer | 5.54% |
| Credit cards | 0.00% |
| Farm | 4.04% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 102.44% |
| Construction concentration (Tier 1 capital + allowance) | 40.46% |
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 | 6.48% |
| Interest income on loans | $10.3M |
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 | $536.5M | $879.0M | 27.29% | 8.53% | 7.59% |
| Q4 2023 | $544.1M | $855.1M | 25.33% | 8.59% | 7.40% |
| Q1 2024 | $548.5M | $872.5M | 26.09% | 8.35% | 7.35% |
| Q2 2024 | $560.8M | $900.7M | 25.41% | 8.01% | 7.31% |
| Q3 2024 | $570.9M | $904.5M | 25.52% | 7.78% | 7.14% |
| Q4 2024 | $576.0M | $919.4M | 24.98% | 7.67% | 6.95% |
| Q1 2025 | $588.5M | $936.1M | 25.63% | 7.65% | 6.69% |
| Q2 2025 | $594.5M | $939.7M | 24.98% | 7.73% | 6.48% |
| Q3 2025 | $603.6M | $915.6M | 25.27% | 7.65% | 6.33% |
| Q4 2025 | $628.1M | $978.2M | 24.61% | 7.73% | 6.06% |
| Q1 2026 | $629.5M | $1.03B | 25.12% | 7.58% | 5.78% |
| Q2 2026 | $636.9M | $1.01B | 24.73% | 7.74% | 5.54% |
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 15932) · FFIEC NIC profile (RSSD 898627)