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.
Farm climbed 1.50 percentage points in Q2 2026, from 53.73% to 55.23%. It was the largest change from Q1 2026 among the key lines here. Citizens Savings Bank has the 20th lowest loan-to-deposit ratio of the 225 banks headquartered in Iowa, at 53.06% as of Q2 2026. Citizens Savings Bank reported 53.06% on loan-to-deposit ratio for Q2 2026, 27.88 points below the 80.94% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $68.6M |
| Net loans and leases | $67.3M |
| Loans held for sale | $0 |
| Loans to total assets | 45.38% |
| Loan-to-deposit ratio | 53.06% |
| Net loans to equity capital | 4.17% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 2.48% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 7.39% |
| Consumer | 2.00% |
| Credit cards | 0.00% |
| Farm | 55.23% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.56% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 4.75% |
| Construction concentration (Tier 1 capital + allowance) | 1.18% |
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 | 6.45% |
| Interest income on loans | $1.1M |
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 | $56.3M | $104.9M | 2.89% | 5.73% | 1.43% |
| Q4 2023 | $57.7M | $107.1M | 2.76% | 5.45% | 1.46% |
| Q1 2024 | $61.4M | $111.1M | 2.54% | 7.92% | 1.34% |
| Q2 2024 | $62.7M | $115.0M | 2.46% | 7.41% | 3.10% |
| Q3 2024 | $62.7M | $116.4M | 1.95% | 6.71% | 2.81% |
| Q4 2024 | $63.8M | $115.5M | 1.91% | 6.43% | 2.69% |
| Q1 2025 | $63.3M | $118.6M | 2.11% | 9.29% | 2.78% |
| Q2 2025 | $63.4M | $117.5M | 2.08% | 8.97% | 3.07% |
| Q3 2025 | $67.4M | $116.9M | 1.99% | 8.19% | 2.67% |
| Q4 2025 | $67.6M | $123.6M | 2.19% | 7.23% | 2.39% |
| Q1 2026 | $66.5M | $127.3M | 2.20% | 8.31% | 2.24% |
| Q2 2026 | $68.6M | $129.2M | 2.48% | 7.39% | 2.00% |
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 12128) · FFIEC NIC profile (RSSD 544447)