Citizens National Bank of Albion: 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.
Loan-to-deposit ratio climbed 1.44 percentage points in Q2 2026, from 78.22% to 79.67%. It was the largest change from Q1 2026 among the key lines here. Citizens National Bank of Albion ranks 130th of 323 Illinois banks on loan-to-deposit ratio, in the upper half at 79.67% (Q2 2026). At 79.67%, Citizens National Bank of Albion's loan-to-deposit ratio is close to the 80.84% median for banks in the $100M-1B asset tier (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $226.2M |
| Net loans and leases | $223.0M |
| Loans held for sale | $0 |
| Loans to total assets | 64.90% |
| Loan-to-deposit ratio | 79.67% |
| Net loans to equity capital | 3.69% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 13.66% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 12.42% |
| Consumer | 6.15% |
| Credit cards | 0.00% |
| Farm | 24.81% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.05% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 30.14% |
| Construction concentration (Tier 1 capital + allowance) | 3.43% |
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 | $3.5M |
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 | $221.0M | $276.3M | 15.39% | 13.48% | 6.38% |
| Q4 2023 | $230.9M | $283.4M | 14.63% | 13.18% | 6.18% |
| Q1 2024 | $227.0M | $279.2M | 14.43% | 12.79% | 6.22% |
| Q2 2024 | $230.8M | $276.0M | 14.11% | 13.42% | 6.12% |
| Q3 2024 | $232.1M | $282.5M | 13.95% | 13.00% | 6.23% |
| Q4 2024 | $234.5M | $287.3M | 13.91% | 12.71% | 6.10% |
| Q1 2025 | $225.4M | $286.4M | 14.10% | 12.63% | 6.24% |
| Q2 2025 | $225.8M | $285.6M | 13.96% | 13.13% | 6.22% |
| Q3 2025 | $228.5M | $287.1M | 13.75% | 12.81% | 6.41% |
| Q4 2025 | $231.6M | $282.9M | 13.66% | 12.07% | 6.24% |
| Q1 2026 | $226.4M | $289.4M | 13.66% | 11.96% | 6.15% |
| Q2 2026 | $226.2M | $283.9M | 13.66% | 12.42% | 6.15% |
Citizens National Bank of Albion loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Citizens National Bank of Albion, 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 of Albion profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15760) · FFIEC NIC profile (RSSD 853747)