Citizens National Bank of Crosbyton: 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 Loan-to-deposit ratio: 7.46 percentage points higher than in Q1 2026, at 44.05%. Citizens National Bank of Crosbyton ranks 290th of 346 Texas banks on loan-to-deposit ratio, in the lower half at 44.05% (Q2 2026). Citizens National Bank of Crosbyton reported 44.05% on loan-to-deposit ratio for Q2 2026, 23.57 points below the 67.62% median for banks in the < $100M asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $28.2M |
| Net loans and leases | $27.9M |
| Loans held for sale | $0 |
| Loans to total assets | 36.35% |
| Loan-to-deposit ratio | 44.05% |
| Net loans to equity capital | 2.13% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 15.16% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 14.21% |
| Consumer | 10.26% |
| Credit cards | 0.00% |
| Farm | 26.99% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 31.91% |
| Construction concentration (Tier 1 capital + allowance) | 0.00% |
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 | — |
| Interest income on loans | $507K |
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 | $16.5M | $56.3M | 16.21% | 13.08% | 8.79% |
| Q4 2023 | $15.3M | $59.3M | 20.47% | 13.90% | 9.59% |
| Q1 2024 | $14.6M | $56.7M | 20.98% | 13.50% | 10.21% |
| Q2 2024 | $17.9M | $53.1M | 16.86% | 11.08% | 8.47% |
| Q3 2024 | $19.2M | $53.8M | 17.10% | 9.50% | 7.75% |
| Q4 2024 | $17.1M | $56.6M | 18.92% | 11.05% | 8.77% |
| Q1 2025 | $19.2M | $56.9M | 16.54% | 8.90% | 8.86% |
| Q2 2025 | $20.5M | $60.5M | 15.23% | 14.16% | 9.23% |
| Q3 2025 | $24.2M | $60.9M | 10.48% | 14.54% | 11.54% |
| Q4 2025 | $26.3M | $63.7M | 9.46% | 15.63% | 11.16% |
| Q1 2026 | $23.5M | $64.3M | 18.51% | 17.12% | 12.09% |
| Q2 2026 | $28.2M | $64.0M | 15.16% | 14.21% | 10.26% |
Citizens National Bank of Crosbyton loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Citizens National Bank of Crosbyton, 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 Crosbyton profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3158) · FFIEC NIC profile (RSSD 901451)