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.
Cre concentration (tier 1 capital + allowance) dropped 14.76 percentage points in Q2 2026, from 241.38% to 226.62%. It was the largest change from Q1 2026 among the key lines here. Citizens Community Bank ranks 238th of 323 Illinois banks on loan-to-deposit ratio, in the lower half at 63.00% (Q2 2026). Citizens Community Bank reported 63.00% on loan-to-deposit ratio for Q2 2026, 17.84 points below the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $281.0M |
| Net loans and leases | $273.0M |
| Loans held for sale | $253K |
| Loans to total assets | 52.92% |
| Loan-to-deposit ratio | 63.00% |
| Net loans to equity capital | 5.80% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 32.55% |
| Multifamily (5+ residential) | 12.97% |
| Commercial and industrial | 5.10% |
| Consumer | 0.74% |
| Credit cards | 0.00% |
| Farm | 8.44% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 2.55% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 226.62% |
| Construction concentration (Tier 1 capital + allowance) | 69.29% |
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 | — |
| Interest income on loans | $4.3M |
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 | $274.1M | $368.6M | 24.02% | 8.77% | 1.15% |
| Q4 2023 | $284.1M | $362.4M | 25.00% | 8.30% | 1.08% |
| Q1 2024 | $283.6M | $367.5M | 24.77% | 7.78% | 1.03% |
| Q2 2024 | $287.7M | $376.3M | 23.46% | 7.35% | 1.02% |
| Q3 2024 | $275.2M | $387.3M | 26.05% | 7.35% | 0.99% |
| Q4 2024 | $274.6M | $389.3M | 30.62% | 5.99% | 0.94% |
| Q1 2025 | $276.0M | $426.5M | 30.46% | 7.10% | 0.94% |
| Q2 2025 | $277.0M | $417.7M | 30.73% | 6.10% | 0.98% |
| Q3 2025 | $286.4M | $427.1M | 30.40% | 6.04% | 0.90% |
| Q4 2025 | $288.2M | $442.8M | 29.23% | 5.08% | 0.88% |
| Q1 2026 | $275.9M | $450.3M | 30.11% | 5.02% | 0.85% |
| Q2 2026 | $281.0M | $446.1M | 32.55% | 5.10% | 0.74% |
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 33753) · FFIEC NIC profile (RSSD 2007991)