Citizens Deposit Bank of Arlington, Inc.: 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) climbed 11.74 percentage points in Q2 2026, from 27.85% to 39.59%. It was the largest change from Q1 2026 among the key lines here. Citizens Deposit Bank of Arlington, Inc. ranks 46th of 120 Kentucky banks on loan-to-deposit ratio, in the upper half at 86.71% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Citizens Deposit Bank of Arlington, Inc. sits 5.87 points higher, at 86.71% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $249.5M |
| Net loans and leases | $244.8M |
| Loans held for sale | $0 |
| Loans to total assets | 71.66% |
| Loan-to-deposit ratio | 86.71% |
| Net loans to equity capital | 5.95% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 13.92% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 14.70% |
| Consumer | 3.91% |
| Credit cards | 0.00% |
| Farm | 25.05% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.25% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 39.59% |
| Construction concentration (Tier 1 capital + allowance) | 18.53% |
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 | 7.11% |
| Interest income on loans | $4.5M |
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 | $204.8M | $238.9M | 15.11% | 18.85% | 5.98% |
| Q4 2023 | $211.3M | $246.7M | 14.87% | 17.70% | 5.93% |
| Q1 2024 | $205.8M | $245.7M | 15.23% | 17.17% | 5.67% |
| Q2 2024 | $213.9M | $248.4M | 15.36% | 16.19% | 5.58% |
| Q3 2024 | $222.1M | $252.5M | 14.87% | 16.10% | 5.46% |
| Q4 2024 | $225.9M | $263.1M | 11.07% | 15.80% | 5.10% |
| Q1 2025 | $222.6M | $268.4M | 11.39% | 12.21% | 5.27% |
| Q2 2025 | $232.6M | $264.7M | 10.99% | 11.20% | 4.84% |
| Q3 2025 | $236.6M | $271.8M | 10.05% | 12.52% | 4.75% |
| Q4 2025 | $244.5M | $289.2M | 9.98% | 14.96% | 4.45% |
| Q1 2026 | $239.4M | $285.9M | 10.53% | 15.92% | 4.38% |
| Q2 2026 | $249.5M | $287.8M | 13.92% | 14.70% | 3.91% |
Citizens Deposit Bank of Arlington, Inc. loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Citizens Deposit Bank of Arlington, Inc., 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 Deposit Bank of Arlington, Inc. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16852) · FFIEC NIC profile (RSSD 959443)