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.
Construction concentration (tier 1 capital + allowance) dropped 35.30 percentage points in Q2 2026, from 101.80% to 66.51%. It was the largest change from Q1 2026 among the key lines here. Citizens Community Bank ranks 82nd of 122 Georgia banks on loan-to-deposit ratio, in the lower half at 68.26% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Citizens Community Bank sits 12.57 points lower, at 68.26% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $136.5M |
| Net loans and leases | $134.9M |
| Loans held for sale | $0 |
| Loans to total assets | 61.52% |
| Loan-to-deposit ratio | 68.26% |
| Net loans to equity capital | 9.17% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 36.02% |
| Multifamily (5+ residential) | 0.76% |
| Commercial and industrial | 9.26% |
| Consumer | 3.54% |
| Credit cards | 0.00% |
| Farm | 2.67% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.02% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 141.99% |
| Construction concentration (Tier 1 capital + allowance) | 66.51% |
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 | 7.37% |
| Interest income on loans | $2.5M |
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 | $104.6M | $178.8M | 29.83% | 9.56% | 6.36% |
| Q4 2023 | $107.0M | $175.3M | 29.14% | 9.86% | 6.44% |
| Q1 2024 | $105.9M | $175.1M | 28.95% | 9.21% | 6.28% |
| Q2 2024 | $108.5M | $172.3M | 28.10% | 9.52% | 5.96% |
| Q3 2024 | $107.8M | $168.8M | 28.49% | 9.98% | 5.96% |
| Q4 2024 | $117.5M | $184.3M | 30.39% | 9.94% | 6.00% |
| Q1 2025 | $117.6M | $189.2M | 31.09% | 10.03% | 5.29% |
| Q2 2025 | $122.0M | $186.5M | 33.51% | 10.47% | 4.98% |
| Q3 2025 | $129.2M | $187.4M | 31.07% | 9.47% | 4.44% |
| Q4 2025 | $132.2M | $189.2M | 33.77% | 9.19% | 4.21% |
| Q1 2026 | $136.4M | $196.8M | 33.78% | 9.00% | 3.66% |
| Q2 2026 | $136.5M | $200.0M | 36.02% | 9.26% | 3.54% |
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 12079) · FFIEC NIC profile (RSSD 564838)