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.
The standout move of Q3 2026 was in Loan-to-deposit ratio: 4.17 percentage points lower than in Q2 2026, at 35.35%. On loan-to-deposit ratio, Citizens National Bank is 34th from the bottom among 346 Texas banks, 35.35% (Q3 2026). Citizens National Bank's loan-to-deposit ratio of 35.35% is well below the 80.84% median for banks in the $100M-1B asset tier, a gap of 45.48 points (Q3 2026); the peer median is as of Q2 2026.
Loan totals
| Line item | Q3 2026 |
|---|---|
| Total loans and leases | $38.6M |
| Net loans and leases | $38.0M |
| Loans held for sale | $0 |
| Loans to total assets | 31.46% |
| Loan-to-deposit ratio | 35.35% |
| Net loans to equity capital | 3.30% |
Portfolio mix (share of total loans)
| Line item | Q3 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 17.98% |
| Multifamily (5+ residential) | 1.45% |
| Commercial and industrial | 12.65% |
| Consumer | 8.43% |
| Credit cards | 0.73% |
| Farm | 8.43% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 3.17% |
Concentration measures
| Line item | Q3 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 30.82% |
| Construction concentration (Tier 1 capital + allowance) | 20.06% |
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 | Q3 2026 |
|---|---|
| Yield on loans | 6.75% |
| Interest income on loans | $634K |
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 |
|---|---|---|---|---|---|
| Q4 2023 | $36.5M | $88.6M | 22.83% | 22.03% | 10.03% |
| Q1 2024 | $35.8M | $87.4M | 20.48% | 23.73% | 10.50% |
| Q2 2024 | $35.3M | $87.7M | 20.48% | 25.07% | 10.80% |
| Q3 2024 | $33.4M | $85.4M | 20.37% | 22.38% | 11.26% |
| Q4 2024 | $35.3M | $86.4M | 20.03% | 22.55% | 12.86% |
| Q1 2025 | $35.2M | $83.7M | 19.77% | 21.71% | 13.43% |
| Q2 2025 | $31.8M | $80.7M | 21.55% | 15.88% | 13.33% |
| Q3 2025 | $31.6M | $87.9M | 20.11% | 13.91% | 12.91% |
| Q4 2025 | $37.2M | $90.2M | 16.67% | 21.87% | 10.60% |
| Q1 2026 | $36.8M | $92.6M | 19.30% | 19.05% | 10.02% |
| Q2 2026 | $37.6M | $95.2M | 18.51% | 16.21% | 9.06% |
| Q3 2026 | $38.6M | $109.1M | 17.98% | 12.65% | 8.43% |
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 24085) · FFIEC NIC profile (RSSD 700252)