Citizens Savings Bank: 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 Loans to total assets: 0.81 percentage points lower than in Q1 2026, at 77.48%. Within Louisiana, Citizens Savings Bank is 29th of 103 on loan-to-deposit ratio, 90.31% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Citizens Savings Bank sits 9.47 points higher, at 90.31% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $255.0M |
| Net loans and leases | $248.2M |
| Loans held for sale | $0 |
| Loans to total assets | 77.48% |
| Loan-to-deposit ratio | 90.31% |
| Net loans to equity capital | 5.54% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 16.10% |
| Multifamily (5+ residential) | 0.31% |
| Commercial and industrial | 2.43% |
| Consumer | 5.18% |
| Credit cards | 0.00% |
| Farm | 10.31% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 75.44% |
| Construction concentration (Tier 1 capital + allowance) | 39.39% |
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 | 7.54% |
| Interest income on loans | $4.8M |
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 | $219.3M | $245.9M | 17.71% | 2.96% | 5.92% |
| Q4 2023 | $226.3M | $245.5M | 17.30% | 3.06% | 5.89% |
| Q1 2024 | $231.9M | $258.0M | 17.07% | 3.18% | 5.67% |
| Q2 2024 | $237.0M | $259.2M | 17.46% | 2.99% | 5.89% |
| Q3 2024 | $241.1M | $262.7M | 17.29% | 3.14% | 5.89% |
| Q4 2024 | $243.5M | $266.6M | 17.19% | 2.95% | 5.63% |
| Q1 2025 | $243.5M | $275.0M | 17.14% | 2.87% | 5.44% |
| Q2 2025 | $244.4M | $277.1M | 16.97% | 2.54% | 5.53% |
| Q3 2025 | $247.9M | $275.2M | 16.41% | 2.54% | 5.48% |
| Q4 2025 | $254.4M | $274.0M | 16.38% | 2.42% | 5.33% |
| Q1 2026 | $255.5M | $280.9M | 16.55% | 2.47% | 5.17% |
| Q2 2026 | $255.0M | $282.4M | 16.10% | 2.43% | 5.18% |
Citizens Savings Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Citizens Savings Bank, 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 Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 30270) · FFIEC NIC profile (RSSD 1014376)