The Citizens National Bank of Somerset: 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): 11.30 percentage points higher than in Q1 2026, at 151.17%. The Citizens National Bank of Somerset ranks 102nd of 120 Kentucky banks on loan-to-deposit ratio, in the lower half at 67.52% (Q2 2026). The Citizens National Bank of Somerset reported 67.52% on loan-to-deposit ratio for Q2 2026, 13.32 points below the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $384.2M |
| Net loans and leases | $378.5M |
| Loans held for sale | $0 |
| Loans to total assets | 54.81% |
| Loan-to-deposit ratio | 67.52% |
| Net loans to equity capital | 9.21% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 18.35% |
| Multifamily (5+ residential) | 6.90% |
| Commercial and industrial | 7.27% |
| Consumer | 4.21% |
| Credit cards | 0.00% |
| Farm | 1.39% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.20% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 151.17% |
| Construction concentration (Tier 1 capital + allowance) | 48.07% |
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 | 6.52% |
| Interest income on loans | $6.1M |
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 | $326.8M | $512.3M | 16.17% | 8.10% | 6.07% |
| Q4 2023 | $329.2M | $500.6M | 15.87% | 8.29% | 5.77% |
| Q1 2024 | $325.2M | $514.7M | 15.64% | 8.86% | 5.63% |
| Q2 2024 | $333.4M | $518.9M | 15.41% | 10.47% | 5.40% |
| Q3 2024 | $336.6M | $529.0M | 15.56% | 9.13% | 5.28% |
| Q4 2024 | $347.7M | $533.2M | 16.57% | 8.99% | 5.03% |
| Q1 2025 | $344.2M | $544.7M | 16.39% | 8.76% | 5.00% |
| Q2 2025 | $346.2M | $553.4M | 16.18% | 8.50% | 5.03% |
| Q3 2025 | $352.3M | $556.1M | 16.02% | 8.21% | 4.73% |
| Q4 2025 | $365.3M | $545.8M | 17.04% | 7.81% | 4.61% |
| Q1 2026 | $368.7M | $565.1M | 17.65% | 7.78% | 4.44% |
| Q2 2026 | $384.2M | $569.0M | 18.35% | 7.27% | 4.21% |
The Citizens National Bank of Somerset 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 Somerset, 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 Somerset profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 2725) · FFIEC NIC profile (RSSD 410917)