Citizens Guaranty 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) climbed 18.05 percentage points in Q2 2026, from 161.52% to 179.56%. It was the largest change from Q1 2026 among the key lines here. On loan-to-deposit ratio, Citizens Guaranty Bank ranks 8th highest among the 120 banks headquartered in Kentucky, at 108.27% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Citizens Guaranty Bank sits 27.43 points higher, at 108.27% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $282.2M |
| Net loans and leases | $279.0M |
| Loans held for sale | $0 |
| Loans to total assets | 92.96% |
| Loan-to-deposit ratio | 108.27% |
| Net loans to equity capital | 10.88% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 11.61% |
| Multifamily (5+ residential) | 0.87% |
| Commercial and industrial | 8.00% |
| Consumer | 9.29% |
| Credit cards | 0.00% |
| Farm | 1.23% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 179.56% |
| Construction concentration (Tier 1 capital + allowance) | 101.30% |
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 | — |
| Interest income on loans | $4.9M |
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 | $244.8M | $246.6M | 10.51% | 7.83% | 11.89% |
| Q4 2023 | $250.2M | $243.5M | 11.24% | 7.83% | 11.50% |
| Q1 2024 | $252.1M | $254.8M | 11.03% | 8.05% | 11.26% |
| Q2 2024 | $253.3M | $255.1M | 10.82% | 7.71% | 11.52% |
| Q3 2024 | $254.4M | $255.9M | 10.83% | 8.20% | 10.71% |
| Q4 2024 | $260.4M | $251.5M | 10.56% | 8.05% | 10.46% |
| Q1 2025 | $265.1M | $254.3M | 10.79% | 7.95% | 10.10% |
| Q2 2025 | $261.3M | $256.6M | 10.66% | 8.08% | 9.79% |
| Q3 2025 | $267.5M | $256.6M | 11.12% | 8.04% | 9.99% |
| Q4 2025 | $272.7M | $260.2M | 10.86% | 7.84% | 9.68% |
| Q1 2026 | $271.8M | $263.3M | 11.04% | 8.13% | 8.99% |
| Q2 2026 | $282.2M | $260.7M | 11.61% | 8.00% | 9.29% |
Citizens Guaranty Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Citizens Guaranty 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 Guaranty Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 20872) · FFIEC NIC profile (RSSD 764816)