Citizens Bank & Trust: 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): 6.50 percentage points higher than in Q1 2026, at 160.83%. Citizens Bank & Trust ranks 69th of 93 Alabama banks on loan-to-deposit ratio, in the lower half at 56.58% (Q2 2026). The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. Citizens Bank & Trust sits 31.62 points lower, at 56.58% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $623.9M |
| Net loans and leases | $617.4M |
| Loans held for sale | $0 |
| Loans to total assets | 51.95% |
| Loan-to-deposit ratio | 56.58% |
| Net loans to equity capital | 8.16% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 41.97% |
| Multifamily (5+ residential) | 3.15% |
| Commercial and industrial | 11.98% |
| Consumer | 3.01% |
| Credit cards | 0.00% |
| Farm | 1.96% |
| Loans to depository institutions | 0.80% |
| State and political subdivisions | 0.03% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 160.83% |
| Construction concentration (Tier 1 capital + allowance) | 36.81% |
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 | 6.32% |
| Interest income on loans | $9.8M |
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 | $559.9M | $873.3M | 36.66% | 15.32% | 2.57% |
| Q4 2023 | $586.4M | $857.1M | 38.96% | 14.60% | 2.56% |
| Q1 2024 | $593.2M | $888.3M | 38.87% | 14.93% | 2.50% |
| Q2 2024 | $573.7M | $903.0M | 38.52% | 13.88% | 2.71% |
| Q3 2024 | $577.0M | $917.1M | 39.75% | 13.81% | 2.68% |
| Q4 2024 | $576.5M | $909.8M | 39.96% | 13.89% | 2.71% |
| Q1 2025 | $603.9M | $997.4M | 40.92% | 14.59% | 2.65% |
| Q2 2025 | $610.4M | $994.0M | 40.36% | 13.05% | 2.88% |
| Q3 2025 | $611.2M | $997.3M | 40.44% | 12.33% | 2.99% |
| Q4 2025 | $628.9M | $991.3M | 41.39% | 12.10% | 2.78% |
| Q1 2026 | $611.5M | $1.06B | 42.15% | 12.32% | 2.74% |
| Q2 2026 | $623.9M | $1.10B | 41.97% | 11.98% | 3.01% |
Citizens Bank & Trust loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Citizens Bank & Trust, 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 Citizens Bank & Trust profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57483) · FFIEC NIC profile (RSSD 3174920)