Citizens Business Bank, N.A.: 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 CRE concentration (Tier 1 capital + allowance): 43.02 percentage points higher than in Q1 2026, at 281.08%. Citizens Business Bank, N.A. ranks 93rd of 114 California banks on loan-to-deposit ratio, in the lower half at 73.22% (Q2 2026). The median for banks in the $10B-100B asset tier is 86.83% on loan-to-deposit ratio. Citizens Business Bank, N.A. sits 13.62 points lower, at 73.22% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $12.02B |
| Net loans and leases | $11.89B |
| Loans held for sale | $0 |
| Loans to total assets | 56.73% |
| Loan-to-deposit ratio | 73.22% |
| Net loans to equity capital | 3.82% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 64.08% |
| Multifamily (5+ residential) | 10.27% |
| Commercial and industrial | 9.86% |
| Consumer | 0.22% |
| Credit cards | 0.00% |
| Farm | 3.49% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 281.08% |
| Construction concentration (Tier 1 capital + allowance) | 9.36% |
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 | 5.52% |
| Interest income on loans | $158.6M |
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 | $8.88B | $12.39B | 64.86% | 7.50% | 0.08% |
| Q4 2023 | $8.90B | $11.48B | 64.06% | 7.74% | 0.08% |
| Q1 2024 | $8.77B | $11.94B | 64.25% | 7.88% | 0.08% |
| Q2 2024 | $8.68B | $11.84B | 64.42% | 8.01% | 0.09% |
| Q3 2024 | $8.57B | $12.12B | 65.11% | 8.00% | 0.11% |
| Q4 2024 | $8.54B | $12.00B | 64.42% | 7.89% | 0.16% |
| Q1 2025 | $8.36B | $12.04B | 65.68% | 8.28% | 0.15% |
| Q2 2025 | $8.36B | $12.04B | 66.26% | 7.88% | 0.14% |
| Q3 2025 | $8.47B | $12.18B | 65.51% | 8.17% | 0.14% |
| Q4 2025 | $8.70B | $12.13B | 64.08% | 8.28% | 0.14% |
| Q1 2026 | $8.64B | $12.00B | 64.95% | 8.08% | 0.15% |
| Q2 2026 | $12.02B | $16.41B | 64.08% | 9.86% | 0.22% |
Citizens Business Bank, N.A. loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Citizens Business Bank, N.A., 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 Business Bank, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 21716) · FFIEC NIC profile (RSSD 933966)