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 4.70 percentage points in Q2 2026, from 117.77% to 122.47%. It was the largest change from Q1 2026 among the key lines here. The Citizens Bank ranks 23rd of 29 New Mexico banks on loan-to-deposit ratio, in the lower half at 45.09% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. The Citizens Bank sits 35.75 points lower, at 45.09% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $314.5M |
| Net loans and leases | $310.5M |
| Loans held for sale | $0 |
| Loans to total assets | 39.10% |
| Loan-to-deposit ratio | 45.09% |
| Net loans to equity capital | 7.61% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 31.10% |
| Multifamily (5+ residential) | 1.20% |
| Commercial and industrial | 15.45% |
| Consumer | 1.11% |
| Credit cards | 0.00% |
| Farm | 0.12% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 122.47% |
| Construction concentration (Tier 1 capital + allowance) | 48.46% |
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 | 6.41% |
| Interest income on loans | $5.0M |
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 | $274.8M | $674.8M | 36.99% | 12.06% | 1.41% |
| Q4 2023 | $282.5M | $674.5M | 38.29% | 12.63% | 1.24% |
| Q1 2024 | $295.7M | $691.8M | 37.67% | 12.62% | 1.32% |
| Q2 2024 | $298.5M | $692.4M | 36.76% | 12.31% | 1.24% |
| Q3 2024 | $302.7M | $691.4M | 34.41% | 13.25% | 1.25% |
| Q4 2024 | $309.5M | $706.1M | 34.92% | 12.89% | 1.45% |
| Q1 2025 | $312.1M | $683.9M | 35.14% | 13.01% | 1.39% |
| Q2 2025 | $309.4M | $685.8M | 34.41% | 14.66% | 1.13% |
| Q3 2025 | $314.8M | $682.6M | 32.48% | 14.27% | 1.13% |
| Q4 2025 | $308.3M | $673.0M | 31.16% | 14.74% | 1.08% |
| Q1 2026 | $312.9M | $693.5M | 30.90% | 15.31% | 1.25% |
| Q2 2026 | $314.5M | $697.5M | 31.10% | 15.45% | 1.11% |
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 1164) · FFIEC NIC profile (RSSD 961259)