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.
The standout move of Q2 2026 was in Loan-to-deposit ratio: 3.16 percentage points higher than in Q1 2026, at 80.83%. Within Nebraska, Citizens Bank & Trust Company is 89th of 138 on loan-to-deposit ratio, 80.83% as of Q2 2026, below the middle of the field. At 80.83%, Citizens Bank & Trust Company's loan-to-deposit ratio is close to the 80.94% median for banks in the $100M-1B asset tier (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $161.5M |
| Net loans and leases | $160.1M |
| Loans held for sale | $0 |
| Loans to total assets | 66.65% |
| Loan-to-deposit ratio | 80.83% |
| Net loans to equity capital | 6.87% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 2.33% |
| Multifamily (5+ residential) | 2.02% |
| Commercial and industrial | 10.47% |
| Consumer | 1.12% |
| Credit cards | 0.00% |
| Farm | 30.57% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.21% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 44.12% |
| Construction concentration (Tier 1 capital + allowance) | 27.71% |
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 | 6.65% |
| Interest income on loans | $2.6M |
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 | $135.3M | $190.8M | 3.16% | 12.51% | 1.96% |
| Q4 2023 | $140.8M | $182.8M | 3.00% | 12.60% | 1.82% |
| Q1 2024 | $133.9M | $183.1M | 3.13% | 12.87% | 1.87% |
| Q2 2024 | $145.3M | $193.0M | 2.52% | 11.79% | 1.54% |
| Q3 2024 | $152.6M | $189.0M | 2.39% | 11.46% | 1.39% |
| Q4 2024 | $153.9M | $185.2M | 2.31% | 11.24% | 1.25% |
| Q1 2025 | $143.8M | $186.8M | 2.44% | 11.80% | 1.24% |
| Q2 2025 | $147.1M | $191.9M | 2.34% | 10.33% | 1.24% |
| Q3 2025 | $157.3M | $191.3M | 2.16% | 9.67% | 1.25% |
| Q4 2025 | $158.6M | $194.5M | 2.31% | 9.21% | 1.19% |
| Q1 2026 | $151.8M | $195.4M | 2.51% | 9.72% | 1.22% |
| Q2 2026 | $161.5M | $199.8M | 2.33% | 10.47% | 1.12% |
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 5469) · FFIEC NIC profile (RSSD 925055)