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 10.46 percentage points in Q2 2026, from 342.30% to 331.84%. It was the largest change from Q1 2026 among the key lines here. Citizens National Bank ranks 75th of 109 Tennessee banks on loan-to-deposit ratio, in the lower half at 76.43% (Q2 2026). The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. Citizens National Bank sits 11.78 points lower, at 76.43% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $1.33B |
| Net loans and leases | $1.32B |
| Loans held for sale | $0 |
| Loans to total assets | 68.00% |
| Loan-to-deposit ratio | 76.43% |
| Net loans to equity capital | 6.84% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 57.40% |
| Multifamily (5+ residential) | 4.50% |
| Commercial and industrial | 6.92% |
| Consumer | 0.40% |
| Credit cards | 0.12% |
| Farm | 0.02% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.09% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 331.84% |
| Construction concentration (Tier 1 capital + allowance) | 72.41% |
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 | 5.97% |
| Interest income on loans | $20.0M |
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 | $1.13B | $1.44B | 50.07% | 8.41% | 0.39% |
| Q4 2023 | $1.15B | $1.48B | 48.26% | 8.23% | 0.40% |
| Q1 2024 | $1.17B | $1.43B | 47.56% | 8.02% | 0.44% |
| Q2 2024 | $1.20B | $1.45B | 49.65% | 7.54% | 0.61% |
| Q3 2024 | $1.20B | $1.69B | 49.67% | 7.52% | 0.45% |
| Q4 2024 | $1.23B | $1.75B | 49.10% | 7.82% | 0.45% |
| Q1 2025 | $1.25B | $1.70B | 48.56% | 6.91% | 0.42% |
| Q2 2025 | $1.28B | $1.70B | 51.84% | 7.32% | 0.42% |
| Q3 2025 | $1.32B | $1.72B | 56.35% | 7.20% | 0.42% |
| Q4 2025 | $1.30B | $1.75B | 56.60% | 6.93% | 0.41% |
| Q1 2026 | $1.33B | $1.75B | 56.78% | 7.65% | 0.38% |
| Q2 2026 | $1.33B | $1.74B | 57.40% | 6.92% | 0.40% |
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 20954) · FFIEC NIC profile (RSSD 717737)