Citizens National Bank at Brownwood: 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 4.60 percentage points in Q2 2026, from 51.64% to 47.04%. It was the largest change from Q1 2026 among the key lines here. Within Texas, Citizens National Bank at Brownwood is 298th of 346 on loan-to-deposit ratio, 40.60% 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 at Brownwood sits 40.23 points lower, at 40.60% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $110.6M |
| Net loans and leases | $108.7M |
| Loans held for sale | $0 |
| Loans to total assets | 36.46% |
| Loan-to-deposit ratio | 40.60% |
| Net loans to equity capital | 3.77% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 17.17% |
| Multifamily (5+ residential) | 0.14% |
| Commercial and industrial | 19.90% |
| Consumer | 4.56% |
| Credit cards | 0.00% |
| Farm | 13.87% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 6.67% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 47.04% |
| Construction concentration (Tier 1 capital + allowance) | 20.72% |
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 | 7.31% |
| Interest income on loans | $2.0M |
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 | $112.1M | $243.1M | 14.55% | 12.02% | 8.15% |
| Q4 2023 | $113.9M | $254.6M | 14.28% | 10.69% | 7.22% |
| Q1 2024 | $109.5M | $246.2M | 14.97% | 11.95% | 6.98% |
| Q2 2024 | $105.5M | $250.7M | 15.26% | 12.83% | 6.76% |
| Q3 2024 | $110.3M | $242.9M | 14.49% | 14.83% | 5.99% |
| Q4 2024 | $105.1M | $256.8M | 14.50% | 12.85% | 5.92% |
| Q1 2025 | $107.6M | $260.1M | 13.88% | 18.20% | 5.43% |
| Q2 2025 | $112.7M | $261.4M | 17.16% | 18.05% | 4.76% |
| Q3 2025 | $109.8M | $266.9M | 17.24% | 21.37% | 4.61% |
| Q4 2025 | $102.9M | $275.1M | 15.89% | 19.95% | 4.97% |
| Q1 2026 | $111.3M | $265.1M | 17.57% | 19.58% | 4.58% |
| Q2 2026 | $110.6M | $272.4M | 17.17% | 19.90% | 4.56% |
Citizens National Bank at Brownwood loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Citizens National Bank at Brownwood, 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 at Brownwood profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14779) · FFIEC NIC profile (RSSD 233358)