The Citizens National Bank of Bluffton: 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 Q2 2026 was in CRE concentration (Tier 1 capital + allowance): 16.45 percentage points higher than in Q1 2026, at 250.12%. Within Ohio, The Citizens National Bank of Bluffton is 16th of 156 on loan-to-deposit ratio, 102.21% as of Q2 2026, above the middle of the field. The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. The Citizens National Bank of Bluffton sits 14.00 points higher, at 102.21% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $882.7M |
| Net loans and leases | $869.4M |
| Loans held for sale | $2.3M |
| Loans to total assets | 79.99% |
| Loan-to-deposit ratio | 102.21% |
| Net loans to equity capital | 8.23% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 45.40% |
| Multifamily (5+ residential) | 5.22% |
| Commercial and industrial | 9.77% |
| Consumer | 0.35% |
| Credit cards | 0.21% |
| Farm | 11.02% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.31% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 250.12% |
| Construction concentration (Tier 1 capital + allowance) | 39.39% |
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 | 6.51% |
| Interest income on loans | $14.3M |
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 | $807.8M | $773.1M | 46.22% | 10.08% | 0.32% |
| Q4 2023 | $821.3M | $767.4M | 46.02% | 9.57% | 0.31% |
| Q1 2024 | $826.4M | $782.9M | 45.63% | 10.76% | 0.31% |
| Q2 2024 | $832.7M | $782.7M | 46.19% | 9.91% | 0.32% |
| Q3 2024 | $838.9M | $810.0M | 47.16% | 9.88% | 0.33% |
| Q4 2024 | $865.0M | $808.1M | 46.82% | 9.99% | 0.28% |
| Q1 2025 | $847.4M | $829.5M | 45.33% | 10.24% | 0.29% |
| Q2 2025 | $858.0M | $805.8M | 45.33% | 10.50% | 0.28% |
| Q3 2025 | $855.4M | $834.7M | 46.90% | 10.38% | 0.29% |
| Q4 2025 | $869.0M | $794.3M | 45.56% | 10.20% | 0.28% |
| Q1 2026 | $870.7M | $846.6M | 45.22% | 10.35% | 0.28% |
| Q2 2026 | $882.7M | $863.6M | 45.40% | 9.77% | 0.35% |
The Citizens National Bank of Bluffton loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The Citizens National Bank of Bluffton, 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 The Citizens National Bank of Bluffton profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 6531) · FFIEC NIC profile (RSSD 738013)