Citizens Independent 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 2.70 percentage points in Q2 2026, from 156.35% to 159.05%. It was the largest change from Q1 2026 among the key lines here. Within Minnesota, Citizens Independent Bank is 122nd of 221 on loan-to-deposit ratio, 78.24% as of Q2 2026, below the middle of the field. Citizens Independent Bank reported 78.24% on loan-to-deposit ratio for Q2 2026, 2.59 points below the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $208.9M |
| Net loans and leases | $207.1M |
| Loans held for sale | $0 |
| Loans to total assets | 66.49% |
| Loan-to-deposit ratio | 78.24% |
| Net loans to equity capital | 6.63% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 45.46% |
| Multifamily (5+ residential) | 3.18% |
| Commercial and industrial | 14.60% |
| Consumer | 8.55% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 159.05% |
| Construction concentration (Tier 1 capital + allowance) | 14.92% |
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 | 6.23% |
| Interest income on loans | $3.2M |
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 | $218.5M | $281.3M | 50.14% | 8.36% | 10.76% |
| Q4 2023 | $218.5M | $289.4M | 51.23% | 7.31% | 10.58% |
| Q1 2024 | $219.3M | $281.0M | 50.68% | 7.61% | 10.38% |
| Q2 2024 | $213.9M | $263.1M | 49.55% | 8.06% | 10.53% |
| Q3 2024 | $216.6M | $267.4M | 48.94% | 9.44% | 9.99% |
| Q4 2024 | $210.8M | $277.8M | 51.28% | 8.49% | 9.78% |
| Q1 2025 | $215.7M | $274.8M | 50.07% | 10.92% | 9.45% |
| Q2 2025 | $212.4M | $263.1M | 48.28% | 10.80% | 9.38% |
| Q3 2025 | $207.4M | $258.9M | 45.98% | 11.90% | 9.10% |
| Q4 2025 | $203.0M | $267.1M | 44.27% | 11.81% | 9.10% |
| Q1 2026 | $206.2M | $270.9M | 43.32% | 14.22% | 8.81% |
| Q2 2026 | $208.9M | $267.0M | 45.46% | 14.60% | 8.55% |
Citizens Independent Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Citizens Independent 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 Independent Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16863) · FFIEC NIC profile (RSSD 825753)