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 Loan-to-deposit ratio: 2.56 percentage points higher than in Q1 2026, at 98.43%. Citizens Savings Bank ranks 26th of 109 Pennsylvania banks on loan-to-deposit ratio, in the upper half at 98.43% (Q2 2026). Citizens Savings Bank reported 98.43% on loan-to-deposit ratio for Q2 2026, 17.59 points above the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $299.2M |
| Net loans and leases | $298.2M |
| Loans held for sale | $0 |
| Loans to total assets | 83.36% |
| Loan-to-deposit ratio | 98.43% |
| Net loans to equity capital | 5.55% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 0.00% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 0.00% |
| Consumer | 0.07% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 0.91% |
| Construction concentration (Tier 1 capital + allowance) | 0.91% |
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 | 4.29% |
| Interest income on loans | $3.2M |
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 | $293.7M | $308.6M | 0.00% | 0.00% | 0.09% |
| Q4 2023 | $295.3M | $298.5M | 0.00% | 0.00% | 0.11% |
| Q1 2024 | $295.6M | $300.6M | 0.00% | 0.00% | 0.09% |
| Q2 2024 | $298.6M | $302.4M | 0.00% | 0.00% | 0.08% |
| Q3 2024 | $298.0M | $305.5M | 0.00% | 0.00% | 0.11% |
| Q4 2024 | $296.8M | $309.2M | 0.00% | 0.00% | 0.11% |
| Q1 2025 | $295.2M | $302.7M | 0.00% | 0.00% | 0.10% |
| Q2 2025 | $293.9M | $299.8M | 0.00% | 0.00% | 0.11% |
| Q3 2025 | $292.0M | $294.4M | 0.00% | 0.00% | 0.10% |
| Q4 2025 | $291.8M | $300.7M | 0.00% | 0.00% | 0.09% |
| Q1 2026 | $291.6M | $304.2M | 0.00% | 0.00% | 0.07% |
| Q2 2026 | $299.2M | $304.0M | 0.00% | 0.00% | 0.07% |
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 31184) · FFIEC NIC profile (RSSD 828473)