Citizens Bank & Trust Co., Hutchinson, MINN.: 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: 4.93 percentage points lower than in Q1 2026, at 55.95%. Within Minnesota, Citizens Bank & Trust Co., Hutchinson, MINN. is 192nd of 221 on loan-to-deposit ratio, 55.95% as of Q2 2026, below the middle of the field. Citizens Bank & Trust Co., Hutchinson, MINN. reported 55.95% on loan-to-deposit ratio for Q2 2026, 24.88 points below the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $166.4M |
| Net loans and leases | $164.3M |
| Loans held for sale | $0 |
| Loans to total assets | 50.57% |
| Loan-to-deposit ratio | 55.95% |
| Net loans to equity capital | 10.02% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 23.11% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 21.62% |
| Consumer | 1.10% |
| Credit cards | 0.00% |
| Farm | 5.64% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 1.70% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 27.03% |
| Construction concentration (Tier 1 capital + allowance) | 1.40% |
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 | 5.96% |
| Interest income on loans | $2.5M |
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 | $164.9M | $296.1M | 26.94% | 17.53% | 2.55% |
| Q4 2023 | $165.5M | $288.5M | 26.81% | 17.11% | 2.59% |
| Q1 2024 | $165.4M | $293.1M | 26.33% | 17.72% | 2.62% |
| Q2 2024 | $169.2M | $290.5M | 25.83% | 17.82% | 2.81% |
| Q3 2024 | $168.0M | $277.0M | 24.21% | 19.59% | 2.63% |
| Q4 2024 | $167.2M | $286.5M | 23.84% | 18.53% | 2.63% |
| Q1 2025 | $164.2M | $286.5M | 23.82% | 18.48% | 2.67% |
| Q2 2025 | $162.7M | $315.0M | 23.52% | 19.12% | 2.97% |
| Q3 2025 | $162.0M | $289.5M | 23.97% | 18.98% | 3.51% |
| Q4 2025 | $164.8M | $293.5M | 25.36% | 18.96% | 2.66% |
| Q1 2026 | $162.6M | $267.0M | 26.22% | 19.55% | 2.73% |
| Q2 2026 | $166.4M | $297.4M | 23.11% | 21.62% | 1.10% |
Citizens Bank & Trust Co., Hutchinson, MINN. loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Citizens Bank & Trust Co., Hutchinson, MINN., 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 Co., Hutchinson, MINN. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10218) · FFIEC NIC profile (RSSD 56258)