The Citizens National Bank of Woodsfield: 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 Construction concentration (Tier 1 capital + allowance): 2.98 percentage points higher than in Q1 2026, at 32.08%. The Citizens National Bank of Woodsfield has the 7th lowest loan-to-deposit ratio of the 156 banks headquartered in Ohio, at 44.85% as of 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 Woodsfield sits 35.99 points lower, at 44.85% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $63.7M |
| Net loans and leases | $63.3M |
| Loans held for sale | $0 |
| Loans to total assets | 41.36% |
| Loan-to-deposit ratio | 44.85% |
| Net loans to equity capital | 5.40% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 1.56% |
| Multifamily (5+ residential) | 0.40% |
| Commercial and industrial | 8.91% |
| Consumer | 2.49% |
| Credit cards | 0.00% |
| Farm | 0.93% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 2.43% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 37.51% |
| Construction concentration (Tier 1 capital + allowance) | 32.08% |
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 | 5.27% |
| Interest income on loans | $839K |
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 | $60.0M | $139.7M | 1.98% | 9.66% | 3.13% |
| Q4 2023 | $61.0M | $137.2M | 1.85% | 9.20% | 3.05% |
| Q1 2024 | $60.9M | $133.4M | 1.81% | 8.51% | 3.28% |
| Q2 2024 | $59.9M | $134.8M | 1.46% | 8.71% | 3.57% |
| Q3 2024 | $58.6M | $133.6M | 1.45% | 8.33% | 3.57% |
| Q4 2024 | $58.4M | $127.6M | 1.41% | 8.45% | 3.32% |
| Q1 2025 | $59.0M | $133.1M | 1.35% | 8.17% | 3.28% |
| Q2 2025 | $59.7M | $136.2M | 1.29% | 8.48% | 3.24% |
| Q3 2025 | $60.5M | $133.5M | 1.73% | 8.41% | 3.07% |
| Q4 2025 | $63.2M | $137.1M | 1.63% | 8.73% | 2.73% |
| Q1 2026 | $63.9M | $139.9M | 1.59% | 8.81% | 2.53% |
| Q2 2026 | $63.7M | $141.9M | 1.56% | 8.91% | 2.49% |
The Citizens National Bank of Woodsfield 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 Woodsfield, 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 Woodsfield profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 6732) · FFIEC NIC profile (RSSD 386825)