Citizens Community Bank: 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: 3.57 percentage points higher than in Q1 2026, at 74.58%. Within Tennessee, Citizens Community Bank is 78th of 109 on loan-to-deposit ratio, 74.58% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Citizens Community Bank sits 6.26 points lower, at 74.58% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $226.1M |
| Net loans and leases | $222.9M |
| Loans held for sale | $0 |
| Loans to total assets | 64.12% |
| Loan-to-deposit ratio | 74.58% |
| Net loans to equity capital | 4.94% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 16.75% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 18.02% |
| Consumer | 2.98% |
| Credit cards | 0.00% |
| Farm | 9.52% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.18% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 105.57% |
| Construction concentration (Tier 1 capital + allowance) | 80.13% |
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 | 7.92% |
| Interest income on loans | $4.4M |
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 | $199.7M | $265.7M | 14.87% | 20.71% | 4.23% |
| Q4 2023 | $207.6M | $277.8M | 14.30% | 22.52% | 3.89% |
| Q1 2024 | $212.6M | $285.8M | 13.75% | 22.12% | 3.62% |
| Q2 2024 | $208.7M | $286.7M | 12.91% | 21.74% | 3.83% |
| Q3 2024 | $211.3M | $293.1M | 13.03% | 20.87% | 3.76% |
| Q4 2024 | $213.6M | $306.4M | 12.82% | 19.89% | 3.71% |
| Q1 2025 | $210.4M | $303.2M | 12.79% | 20.43% | 3.49% |
| Q2 2025 | $211.6M | $308.1M | 13.30% | 19.49% | 3.37% |
| Q3 2025 | $217.1M | $308.2M | 13.70% | 19.76% | 3.36% |
| Q4 2025 | $227.8M | $318.3M | 14.69% | 19.84% | 3.12% |
| Q1 2026 | $218.3M | $307.5M | 16.17% | 18.20% | 3.08% |
| Q2 2026 | $226.1M | $303.2M | 16.75% | 18.02% | 2.98% |
Citizens Community Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Citizens Community Bank, 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 Community Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 33739) · FFIEC NIC profile (RSSD 2002222)