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 CRE concentration (Tier 1 capital + allowance): 3.28 percentage points lower than in Q1 2026, at 12.47%. Citizens Community Bank ranks 129th of 192 Missouri banks on loan-to-deposit ratio, in the lower half at 76.54% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Citizens Community Bank sits 4.30 points lower, at 76.54% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $96.4M |
| Net loans and leases | $95.3M |
| Loans held for sale | $0 |
| Loans to total assets | 67.58% |
| Loan-to-deposit ratio | 76.54% |
| Net loans to equity capital | 5.80% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 2.15% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 5.58% |
| Consumer | 2.73% |
| Credit cards | 0.00% |
| Farm | 55.20% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 12.47% |
| Construction concentration (Tier 1 capital + allowance) | 12.47% |
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 | 6.57% |
| Interest income on loans | $1.6M |
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 | $85.9M | $113.8M | 3.04% | 4.15% | 3.22% |
| Q4 2023 | $87.6M | $112.3M | 2.78% | 4.90% | 3.05% |
| Q1 2024 | $85.9M | $113.0M | 2.65% | 5.15% | 2.80% |
| Q2 2024 | $87.5M | $110.0M | 2.48% | 5.87% | 3.04% |
| Q3 2024 | $88.0M | $112.9M | 2.56% | 5.93% | 3.12% |
| Q4 2024 | $89.1M | $115.8M | 2.23% | 5.97% | 2.79% |
| Q1 2025 | $86.5M | $123.3M | 2.81% | 6.45% | 3.18% |
| Q2 2025 | $88.9M | $122.9M | 2.62% | 7.05% | 3.12% |
| Q3 2025 | $92.0M | $121.1M | 2.29% | 9.13% | 3.00% |
| Q4 2025 | $93.8M | $121.7M | 1.97% | 8.67% | 3.21% |
| Q1 2026 | $94.5M | $127.7M | 1.93% | 6.21% | 2.80% |
| Q2 2026 | $96.4M | $125.9M | 2.15% | 5.58% | 2.73% |
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 12694) · FFIEC NIC profile (RSSD 578554)