Citizens Bank & Trust Company: 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) dropped 13.48 percentage points in Q2 2026, from 172.38% to 158.90%. It was the largest change from Q1 2026 among the key lines here. Citizens Bank & Trust Company ranks 71st of 103 Louisiana banks on loan-to-deposit ratio, in the lower half at 71.31% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Citizens Bank & Trust Company sits 9.53 points lower, at 71.31% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $115.7M |
| Net loans and leases | $114.1M |
| Loans held for sale | $0 |
| Loans to total assets | 62.97% |
| Loan-to-deposit ratio | 71.31% |
| Net loans to equity capital | 5.86% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 37.58% |
| Multifamily (5+ residential) | 3.49% |
| Commercial and industrial | 11.47% |
| Consumer | 0.37% |
| Credit cards | 0.00% |
| Farm | 0.25% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 158.90% |
| Construction concentration (Tier 1 capital + allowance) | 51.55% |
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 | 6.68% |
| Interest income on loans | $1.9M |
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 | $134.5M | $149.1M | 34.69% | 20.26% | 0.51% |
| Q4 2023 | $142.0M | $148.9M | 36.97% | 18.25% | 0.46% |
| Q1 2024 | $143.4M | $153.0M | 36.54% | 19.27% | 0.44% |
| Q2 2024 | $143.3M | $156.1M | 36.41% | 19.43% | 0.47% |
| Q3 2024 | $142.9M | $156.3M | 34.39% | 19.21% | 0.46% |
| Q4 2024 | $141.1M | $156.8M | 34.71% | 19.57% | 0.41% |
| Q1 2025 | $139.8M | $167.3M | 35.01% | 18.54% | 0.38% |
| Q2 2025 | $138.1M | $161.4M | 36.89% | 16.80% | 0.37% |
| Q3 2025 | $132.7M | $153.8M | 35.81% | 17.39% | 0.37% |
| Q4 2025 | $129.3M | $155.0M | 35.69% | 17.91% | 0.36% |
| Q1 2026 | $117.4M | $167.3M | 39.15% | 10.99% | 0.38% |
| Q2 2026 | $115.7M | $162.2M | 37.58% | 11.47% | 0.37% |
Citizens Bank & Trust Company loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Citizens Bank & Trust Company, 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 Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16417) · FFIEC NIC profile (RSSD 384830)