Citizens Federal Savings & Loan Association: 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 9.38 percentage points in Q2 2026, from 80.77% to 71.38%. It was the largest change from Q1 2026 among the key lines here. Within Ohio, Citizens Federal Savings & Loan Association is 43rd of 156 on loan-to-deposit ratio, 91.27% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Citizens Federal Savings & Loan Association sits 10.43 points higher, at 91.27% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $147.2M |
| Net loans and leases | $146.9M |
| Loans held for sale | $236K |
| Loans to total assets | 79.10% |
| Loan-to-deposit ratio | 91.27% |
| Net loans to equity capital | 7.60% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 13.66% |
| Multifamily (5+ residential) | 0.47% |
| Commercial and industrial | 0.00% |
| Consumer | 0.00% |
| Credit cards | 0.00% |
| Farm | 0.61% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 71.38% |
| Construction concentration (Tier 1 capital + allowance) | 19.21% |
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 | 4.77% |
| Interest income on loans | $1.7M |
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 | $137.8M | $158.5M | 10.49% | 0.00% | 0.05% |
| Q4 2023 | $137.2M | $158.1M | 10.84% | 0.00% | 0.05% |
| Q1 2024 | $137.6M | $162.1M | 10.82% | 0.00% | 0.05% |
| Q2 2024 | $139.3M | $160.9M | 10.56% | 0.00% | 0.05% |
| Q3 2024 | $141.2M | $165.6M | 10.81% | 0.00% | 0.00% |
| Q4 2024 | $142.3M | $167.3M | 10.72% | 0.00% | 0.00% |
| Q1 2025 | $142.2M | $165.6M | 11.08% | 0.00% | 0.00% |
| Q2 2025 | $142.3M | $162.1M | 12.77% | 0.00% | 0.00% |
| Q3 2025 | $142.3M | $161.0M | 12.63% | 0.00% | 0.00% |
| Q4 2025 | $144.8M | $165.1M | 13.14% | 0.00% | 0.00% |
| Q1 2026 | $145.9M | $165.3M | 13.96% | 0.00% | 0.00% |
| Q2 2026 | $147.2M | $161.3M | 13.66% | 0.00% | 0.00% |
Citizens Federal Savings & Loan Association loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Citizens Federal Savings & Loan Association, 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 Federal Savings & Loan Association profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 28060) · FFIEC NIC profile (RSSD 647777)