The Citizens National Bank of Quitman: 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) climbed 17.19 percentage points in Q2 2026, from 18.75% to 35.94%. It was the largest change from Q1 2026 among the key lines here. The Citizens National Bank of Quitman ranks 79th of 122 Georgia banks on loan-to-deposit ratio, in the lower half at 69.69% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. The Citizens National Bank of Quitman sits 11.15 points lower, at 69.69% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $82.9M |
| Net loans and leases | $81.5M |
| Loans held for sale | $0 |
| Loans to total assets | 62.01% |
| Loan-to-deposit ratio | 69.69% |
| Net loans to equity capital | 5.69% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 15.54% |
| Multifamily (5+ residential) | 0.54% |
| Commercial and industrial | 5.69% |
| Consumer | 21.63% |
| Credit cards | 0.00% |
| Farm | 17.86% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.20% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 35.94% |
| Construction concentration (Tier 1 capital + allowance) | 17.25% |
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 | 7.37% |
| Interest income on loans | $1.5M |
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 | $69.9M | $105.3M | 12.31% | 5.87% | 19.77% |
| Q4 2023 | $70.6M | $107.1M | 11.77% | 6.74% | 20.34% |
| Q1 2024 | $68.5M | $110.7M | 11.97% | 6.64% | 21.54% |
| Q2 2024 | $72.4M | $106.3M | 10.56% | 6.30% | 20.79% |
| Q3 2024 | $78.8M | $110.6M | 10.63% | 6.23% | 19.65% |
| Q4 2024 | $79.6M | $117.7M | 10.52% | 5.69% | 20.11% |
| Q1 2025 | $74.7M | $117.2M | 11.88% | 5.75% | 21.27% |
| Q2 2025 | $77.3M | $116.5M | 11.74% | 5.31% | 21.10% |
| Q3 2025 | $75.9M | $114.9M | 12.75% | 5.13% | 21.27% |
| Q4 2025 | $73.5M | $121.0M | 14.67% | 6.08% | 22.50% |
| Q1 2026 | $75.6M | $119.8M | 14.92% | 5.45% | 22.51% |
| Q2 2026 | $82.9M | $119.0M | 15.54% | 5.69% | 21.63% |
The Citizens National Bank of Quitman 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 Quitman, 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 Quitman profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14731) · FFIEC NIC profile (RSSD 774235)