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.
Loan-to-deposit ratio climbed 6.44 percentage points in Q2 2026, from 69.40% to 75.84%. It was the largest change from Q1 2026 among the key lines here. Citizens Bank & Trust Company ranks 18th of 35 Montana banks on loan-to-deposit ratio, in the lower half at 75.84% (Q2 2026). Citizens Bank & Trust Company reported 75.84% on loan-to-deposit ratio for Q2 2026, 5.00 points below the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $96.4M |
| Net loans and leases | $94.4M |
| Loans held for sale | $0 |
| Loans to total assets | 62.07% |
| Loan-to-deposit ratio | 75.84% |
| Net loans to equity capital | 5.74% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 29.99% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 8.80% |
| Consumer | 3.73% |
| Credit cards | 0.00% |
| Farm | 20.51% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.35% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 105.01% |
| Construction concentration (Tier 1 capital + allowance) | 30.57% |
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 | 6.38% |
| Interest income on loans | $1.5M |
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 | $71.7M | $118.5M | 18.25% | 9.94% | 4.48% |
| Q4 2023 | $67.6M | $118.2M | 19.95% | 9.48% | 5.22% |
| Q1 2024 | $69.1M | $114.7M | 19.52% | 9.97% | 5.61% |
| Q2 2024 | $74.5M | $113.9M | 18.75% | 9.25% | 5.21% |
| Q3 2024 | $78.5M | $110.8M | 21.72% | 8.46% | 4.90% |
| Q4 2024 | $76.7M | $120.6M | 24.07% | 7.99% | 5.16% |
| Q1 2025 | $77.5M | $118.0M | 23.78% | 8.16% | 4.82% |
| Q2 2025 | $82.0M | $117.4M | 23.62% | 7.86% | 4.34% |
| Q3 2025 | $86.4M | $119.9M | 28.73% | 8.73% | 3.99% |
| Q4 2025 | $87.9M | $129.2M | 29.65% | 8.82% | 4.09% |
| Q1 2026 | $90.7M | $130.7M | 28.69% | 9.03% | 4.01% |
| Q2 2026 | $96.4M | $127.2M | 29.99% | 8.80% | 3.73% |
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 1972) · FFIEC NIC profile (RSSD 657758)