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 Loan-to-deposit ratio: 3.64 percentage points higher than in Q1 2026, at 56.54%. Citizens Bank & Trust has the 20th lowest loan-to-deposit ratio of the 192 banks headquartered in Missouri, at 56.54% as of Q2 2026. Citizens Bank & Trust reported 56.54% on loan-to-deposit ratio for Q2 2026, 24.30 points below the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $53.0M |
| Net loans and leases | $52.4M |
| Loans held for sale | $0 |
| Loans to total assets | 49.40% |
| Loan-to-deposit ratio | 56.54% |
| Net loans to equity capital | 4.38% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 16.47% |
| Multifamily (5+ residential) | 0.51% |
| Commercial and industrial | 13.43% |
| Consumer | 3.76% |
| Credit cards | 0.00% |
| Farm | 29.42% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.03% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 73.06% |
| Construction concentration (Tier 1 capital + allowance) | 10.39% |
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 | 6.69% |
| Interest income on loans | $877K |
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 | $54.2M | $101.9M | 16.29% | 9.90% | 3.78% |
| Q4 2023 | $50.9M | $111.4M | 17.16% | 9.43% | 3.80% |
| Q1 2024 | $47.4M | $106.6M | 18.32% | 11.22% | 4.21% |
| Q2 2024 | $48.8M | $100.9M | 17.58% | 10.00% | 4.29% |
| Q3 2024 | $49.7M | $89.7M | 17.11% | 10.73% | 4.17% |
| Q4 2024 | $53.1M | $97.8M | 15.82% | 11.19% | 3.63% |
| Q1 2025 | $49.9M | $97.4M | 17.50% | 12.07% | 3.92% |
| Q2 2025 | $50.9M | $91.0M | 15.31% | 13.49% | 3.74% |
| Q3 2025 | $53.2M | $88.7M | 15.17% | 13.84% | 3.97% |
| Q4 2025 | $53.4M | $100.3M | 16.01% | 15.09% | 3.56% |
| Q1 2026 | $52.0M | $98.3M | 16.47% | 14.26% | 3.72% |
| Q2 2026 | $53.0M | $93.7M | 16.47% | 13.43% | 3.76% |
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 14293) · FFIEC NIC profile (RSSD 964250)