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 7.66 percentage points in Q2 2026, from 49.43% to 57.09%. It was the largest change from Q1 2026 among the key lines here. The Citizens Bank ranks 60th of 120 Kentucky banks on loan-to-deposit ratio, in the upper half at 83.65% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. The Citizens Bank sits 2.81 points higher, at 83.65% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $152.1M |
| Net loans and leases | $150.7M |
| Loans held for sale | $0 |
| Loans to total assets | 66.56% |
| Loan-to-deposit ratio | 83.65% |
| Net loans to equity capital | 7.94% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 9.98% |
| Multifamily (5+ residential) | 2.70% |
| Commercial and industrial | 6.49% |
| Consumer | 5.88% |
| Credit cards | 0.00% |
| Farm | 16.23% |
| Loans to depository institutions | 0.46% |
| State and political subdivisions | 0.09% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 57.09% |
| Construction concentration (Tier 1 capital + allowance) | 23.31% |
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 | 6.44% |
| Interest income on loans | $2.4M |
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 | $123.2M | $164.6M | 12.98% | 4.67% | 6.76% |
| Q4 2023 | $127.7M | $162.2M | 12.17% | 5.16% | 6.37% |
| Q1 2024 | $128.0M | $168.3M | 12.77% | 5.65% | 6.47% |
| Q2 2024 | $132.9M | $177.5M | 11.56% | 5.25% | 6.63% |
| Q3 2024 | $139.8M | $175.0M | 11.18% | 4.94% | 6.72% |
| Q4 2024 | $140.6M | $175.1M | 10.69% | 5.07% | 6.59% |
| Q1 2025 | $140.6M | $177.9M | 10.28% | 5.16% | 6.39% |
| Q2 2025 | $143.9M | $183.1M | 10.45% | 6.41% | 6.40% |
| Q3 2025 | $146.1M | $176.7M | 9.98% | 6.71% | 6.43% |
| Q4 2025 | $147.3M | $176.5M | 9.75% | 6.30% | 6.33% |
| Q1 2026 | $148.2M | $179.3M | 10.42% | 6.66% | 6.00% |
| Q2 2026 | $152.1M | $181.9M | 9.98% | 6.49% | 5.88% |
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 10520) · FFIEC NIC profile (RSSD 962313)