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) climbed 1.48 percentage points in Q2 2026, from 102.06% to 103.54%. It was the largest change from Q1 2026 among the key lines here. On loan-to-deposit ratio, Citizens Bank & Trust Company is 12th from the bottom among 120 Kentucky banks, 61.59% (Q2 2026). Citizens Bank & Trust Company reported 61.59% on loan-to-deposit ratio for Q2 2026, 19.36 points below the 80.94% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $205.6M |
| Net loans and leases | $202.4M |
| Loans held for sale | $0 |
| Loans to total assets | 53.63% |
| Loan-to-deposit ratio | 61.59% |
| Net loans to equity capital | 4.30% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 21.69% |
| Multifamily (5+ residential) | 2.08% |
| Commercial and industrial | 22.41% |
| Consumer | 3.20% |
| Credit cards | 0.00% |
| Farm | 5.49% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.49% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 103.54% |
| Construction concentration (Tier 1 capital + allowance) | 12.12% |
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 | 6.48% |
| Interest income on loans | $3.3M |
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 | $170.6M | $282.7M | 15.83% | 26.89% | 4.10% |
| Q4 2023 | $174.0M | $292.2M | 16.39% | 25.57% | 3.96% |
| Q1 2024 | $173.7M | $292.9M | 16.38% | 25.33% | 3.76% |
| Q2 2024 | $185.9M | $288.6M | 20.67% | 23.16% | 3.02% |
| Q3 2024 | $187.1M | $285.2M | 20.15% | 23.17% | 2.95% |
| Q4 2024 | $189.9M | $295.2M | 19.99% | 22.83% | 3.07% |
| Q1 2025 | $191.6M | $294.7M | 21.73% | 22.66% | 3.14% |
| Q2 2025 | $194.3M | $321.8M | 21.75% | 22.31% | 3.19% |
| Q3 2025 | $198.0M | $317.2M | 16.07% | 28.29% | 3.26% |
| Q4 2025 | $199.0M | $328.1M | 14.54% | 29.06% | 3.22% |
| Q1 2026 | $204.5M | $332.7M | 21.19% | 22.99% | 3.14% |
| Q2 2026 | $205.6M | $333.9M | 21.69% | 22.41% | 3.20% |
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 15675) · FFIEC NIC profile (RSSD 829041)