Citizens National Bank of Texas: 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): 6.80 percentage points lower than in Q1 2026, at 216.49%. Among 346 Texas banks, Citizens National Bank of Texas sits 10th from the top on loan-to-deposit ratio, 102.35% as of Q2 2026. The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. Citizens National Bank of Texas sits 14.15 points higher, at 102.35% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $1.93B |
| Net loans and leases | $1.91B |
| Loans held for sale | $0 |
| Loans to total assets | 88.20% |
| Loan-to-deposit ratio | 102.35% |
| Net loans to equity capital | 7.26% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 43.24% |
| Multifamily (5+ residential) | 5.00% |
| Commercial and industrial | 10.32% |
| Consumer | 0.37% |
| Credit cards | 0.00% |
| Farm | 4.32% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 1.20% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 216.49% |
| Construction concentration (Tier 1 capital + allowance) | 86.32% |
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 | 7.24% |
| Interest income on loans | $34.7M |
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 | $1.36B | $1.52B | 47.81% | 9.82% | 0.54% |
| Q4 2023 | $1.42B | $1.46B | 47.20% | 9.55% | 0.48% |
| Q1 2024 | $1.47B | $1.57B | 47.79% | 9.01% | 0.44% |
| Q2 2024 | $1.51B | $1.68B | 47.34% | 9.09% | 0.44% |
| Q3 2024 | $1.57B | $1.70B | 47.20% | 8.35% | 0.43% |
| Q4 2024 | $1.62B | $1.68B | 46.55% | 8.49% | 0.52% |
| Q1 2025 | $1.66B | $1.67B | 45.69% | 8.68% | 0.45% |
| Q2 2025 | $1.70B | $1.72B | 48.04% | 9.63% | 0.34% |
| Q3 2025 | $1.72B | $1.77B | 45.91% | 9.77% | 0.41% |
| Q4 2025 | $1.83B | $1.80B | 43.17% | 10.40% | 0.38% |
| Q1 2026 | $1.91B | $1.81B | 43.50% | 10.86% | 0.33% |
| Q2 2026 | $1.93B | $1.89B | 43.24% | 10.32% | 0.37% |
Citizens National Bank of Texas loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Citizens National Bank of Texas, 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 Texas profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5574) · FFIEC NIC profile (RSSD 552161)