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 Commercial and industrial: 1.77 percentage points higher than in Q1 2026, at 14.90%. On loan-to-deposit ratio, Citizens Savings Bank is 13th from the bottom among 225 Iowa banks, 45.84% (Q2 2026). Citizens Savings Bank reported 45.84% on loan-to-deposit ratio for Q2 2026, 35.00 points below the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $69.4M |
| Net loans and leases | $68.6M |
| Loans held for sale | $0 |
| Loans to total assets | 41.82% |
| Loan-to-deposit ratio | 45.84% |
| Net loans to equity capital | 5.31% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 9.84% |
| Multifamily (5+ residential) | 0.41% |
| Commercial and industrial | 14.90% |
| Consumer | 1.58% |
| Credit cards | 0.00% |
| Farm | 37.80% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 1.03% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 28.58% |
| Construction concentration (Tier 1 capital + allowance) | 16.52% |
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 | 6.69% |
| Interest income on loans | $1.2M |
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 | $57.5M | $150.9M | 8.53% | 14.14% | 1.87% |
| Q4 2023 | $56.7M | $138.3M | 8.02% | 11.95% | 1.82% |
| Q1 2024 | $57.5M | $146.7M | 7.95% | 11.95% | 1.60% |
| Q2 2024 | $58.5M | $138.1M | 7.97% | 13.35% | 1.57% |
| Q3 2024 | $58.5M | $154.3M | 8.43% | 13.29% | 1.62% |
| Q4 2024 | $64.3M | $148.4M | 11.87% | 12.50% | 1.48% |
| Q1 2025 | $63.9M | $155.9M | 11.74% | 10.59% | 1.53% |
| Q2 2025 | $65.5M | $142.2M | 11.49% | 10.85% | 1.46% |
| Q3 2025 | $69.7M | $158.5M | 9.73% | 12.77% | 1.43% |
| Q4 2025 | $71.6M | $144.4M | 9.74% | 12.70% | 1.48% |
| Q1 2026 | $70.4M | $159.4M | 9.47% | 13.13% | 1.40% |
| Q2 2026 | $69.4M | $151.3M | 9.84% | 14.90% | 1.58% |
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 10125) · FFIEC NIC profile (RSSD 758842)