Citizens Bank & Trust Co. of Jackson: 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.
Construction concentration (tier 1 capital + allowance) climbed 8.05 percentage points in Q2 2026, from 70.55% to 78.61%. It was the largest change from Q1 2026 among the key lines here. Citizens Bank & Trust Co. of Jackson ranks 52nd of 120 Kentucky banks on loan-to-deposit ratio, in the upper half at 85.18% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Citizens Bank & Trust Co. of Jackson sits 4.34 points higher, at 85.18% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $162.6M |
| Net loans and leases | $160.6M |
| Loans held for sale | $0 |
| Loans to total assets | 74.84% |
| Loan-to-deposit ratio | 85.18% |
| Net loans to equity capital | 7.01% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 24.91% |
| Multifamily (5+ residential) | 2.01% |
| Commercial and industrial | 14.25% |
| Consumer | 6.82% |
| Credit cards | 0.56% |
| Farm | 2.10% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.62% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 216.17% |
| Construction concentration (Tier 1 capital + allowance) | 78.61% |
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 | 6.61% |
| Interest income on loans | $2.7M |
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 | $148.2M | $177.2M | 24.97% | 15.35% | 6.21% |
| Q4 2023 | $148.5M | $180.3M | 23.94% | 15.16% | 6.32% |
| Q1 2024 | $151.5M | $183.3M | 26.12% | 14.31% | 6.47% |
| Q2 2024 | $152.6M | $182.6M | 25.62% | 14.95% | 6.70% |
| Q3 2024 | $151.2M | $183.4M | 25.08% | 14.61% | 6.83% |
| Q4 2024 | $158.4M | $185.3M | 25.72% | 14.47% | 7.02% |
| Q1 2025 | $157.6M | $185.8M | 25.02% | 14.95% | 6.80% |
| Q2 2025 | $160.1M | $191.3M | 25.36% | 15.46% | 6.83% |
| Q3 2025 | $157.1M | $187.5M | 25.50% | 14.36% | 7.06% |
| Q4 2025 | $157.2M | $189.2M | 24.33% | 14.86% | 7.25% |
| Q1 2026 | $162.9M | $190.7M | 25.73% | 14.62% | 7.04% |
| Q2 2026 | $162.6M | $190.9M | 24.91% | 14.25% | 6.82% |
Citizens Bank & Trust Co. of Jackson loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Citizens Bank & Trust Co. of Jackson, 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. of Jackson profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 18620) · FFIEC NIC profile (RSSD 765318)