Citizens First 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 31.68 percentage points in Q2 2026, from 310.74% to 279.06%. It was the largest change from Q1 2026 among the key lines here. Within Wisconsin, Citizens First Bank is 71st of 153 on loan-to-deposit ratio, 90.24% as of Q2 2026. Citizens First Bank reported 90.24% on loan-to-deposit ratio for Q2 2026, 9.68 points above the 80.55% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $255.5M |
| Net loans and leases | $252.3M |
| Loans held for sale | $0 |
| Loans to total assets | 74.16% |
| Loan-to-deposit ratio | 90.24% |
| Net loans to equity capital | 7.65% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 49.50% |
| Multifamily (5+ residential) | 2.92% |
| Commercial and industrial | 8.20% |
| Consumer | 1.35% |
| Credit cards | 0.17% |
| Farm | 8.31% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 2.98% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 279.06% |
| Construction concentration (Tier 1 capital + allowance) | 52.19% |
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 | 6.90% |
| Interest income on loans | $4.4M |
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 | $228.2M | $273.2M | 56.93% | 6.94% | 1.71% |
| Q4 2023 | $229.1M | $278.8M | 53.68% | 7.07% | 1.66% |
| Q1 2024 | $232.6M | $272.5M | 53.34% | 6.78% | 1.79% |
| Q2 2024 | $239.2M | $276.4M | 54.46% | 6.91% | 1.72% |
| Q3 2024 | $244.1M | $285.4M | 53.30% | 6.50% | 1.78% |
| Q4 2024 | $238.4M | $270.3M | 51.33% | 6.87% | 1.75% |
| Q1 2025 | $233.5M | $268.2M | 51.68% | 7.21% | 1.69% |
| Q2 2025 | $243.1M | $271.9M | 51.53% | 7.24% | 1.49% |
| Q3 2025 | $243.1M | $272.8M | 48.91% | 7.14% | 1.39% |
| Q4 2025 | $249.0M | $281.7M | 49.00% | 7.18% | 1.33% |
| Q1 2026 | $254.3M | $282.2M | 50.22% | 6.49% | 1.32% |
| Q2 2026 | $255.5M | $283.1M | 49.50% | 8.20% | 1.35% |
Citizens First Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Citizens First 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 First Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 13032) · FFIEC NIC profile (RSSD 716954)