Citizens National 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 17.51 percentage points in Q2 2026, from 254.30% to 236.79%. It was the largest change from Q1 2026 among the key lines here. Within Texas, Citizens National Bank is 189th of 346 on loan-to-deposit ratio, 69.93% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Citizens National Bank sits 10.91 points lower, at 69.93% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $422.4M |
| Net loans and leases | $415.9M |
| Loans held for sale | $0 |
| Loans to total assets | 61.05% |
| Loan-to-deposit ratio | 69.93% |
| Net loans to equity capital | 4.88% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 57.30% |
| Multifamily (5+ residential) | 5.20% |
| Commercial and industrial | 3.37% |
| Consumer | 0.50% |
| Credit cards | 0.00% |
| Farm | 7.27% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.08% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 236.79% |
| Construction concentration (Tier 1 capital + allowance) | 20.83% |
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 | $6.8M |
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 | $428.3M | $545.4M | 53.23% | 3.19% | 0.69% |
| Q4 2023 | $433.9M | $549.2M | 53.39% | 3.28% | 0.65% |
| Q1 2024 | $436.7M | $545.5M | 54.13% | 3.47% | 0.65% |
| Q2 2024 | $437.7M | $537.3M | 54.44% | 3.51% | 0.58% |
| Q3 2024 | $432.7M | $545.0M | 54.05% | 3.38% | 0.51% |
| Q4 2024 | $428.2M | $546.5M | 55.68% | 3.31% | 0.48% |
| Q1 2025 | $428.2M | $548.6M | 56.46% | 3.29% | 0.43% |
| Q2 2025 | $428.0M | $550.0M | 57.05% | 3.21% | 0.53% |
| Q3 2025 | $434.3M | $561.8M | 56.57% | 3.31% | 0.51% |
| Q4 2025 | $424.5M | $575.9M | 59.54% | 3.43% | 0.51% |
| Q1 2026 | $429.1M | $582.1M | 58.26% | 3.40% | 0.52% |
| Q2 2026 | $422.4M | $604.0M | 57.30% | 3.37% | 0.50% |
Citizens National Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Citizens National 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 National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3127) · FFIEC NIC profile (RSSD 59352)