Citizens Savings Bank and Trust Company: 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 CRE concentration (Tier 1 capital + allowance): 8.72 percentage points lower than in Q1 2026, at 110.40%. Among 109 Tennessee banks, Citizens Savings Bank and Trust Company sits 7th from the top on loan-to-deposit ratio, 102.41% as of Q2 2026. Citizens Savings Bank and Trust Company reported 102.41% on loan-to-deposit ratio for Q2 2026, 21.57 points above the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $160.2M |
| Net loans and leases | $158.5M |
| Loans held for sale | $0 |
| Loans to total assets | 85.20% |
| Loan-to-deposit ratio | 102.41% |
| Net loans to equity capital | 9.01% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 22.90% |
| Multifamily (5+ residential) | 2.37% |
| Commercial and industrial | 5.45% |
| Consumer | 3.99% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 1.25% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 110.40% |
| Construction concentration (Tier 1 capital + allowance) | 42.25% |
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 | 6.57% |
| Interest income on loans | $2.6M |
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 | $147.3M | $151.2M | 33.96% | 4.76% | 1.06% |
| Q4 2023 | $150.6M | $153.9M | 33.24% | 4.44% | 0.88% |
| Q1 2024 | $149.9M | $155.0M | 33.41% | 4.14% | 0.86% |
| Q2 2024 | $154.9M | $160.7M | 32.66% | 4.59% | 0.87% |
| Q3 2024 | $158.3M | $162.4M | 30.30% | 4.13% | 1.04% |
| Q4 2024 | $156.7M | $162.9M | 29.94% | 4.15% | 1.19% |
| Q1 2025 | $157.0M | $166.0M | 29.19% | 4.30% | 1.66% |
| Q2 2025 | $161.0M | $166.4M | 27.76% | 4.00% | 2.51% |
| Q3 2025 | $158.4M | $168.8M | 26.62% | 3.36% | 3.03% |
| Q4 2025 | $158.9M | $164.8M | 25.41% | 3.30% | 3.76% |
| Q1 2026 | $160.9M | $159.7M | 23.43% | 5.28% | 4.04% |
| Q2 2026 | $160.2M | $156.5M | 22.90% | 5.45% | 3.99% |
Citizens Savings Bank and Trust Company loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Citizens Savings Bank and Trust Company, 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 and Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10319) · FFIEC NIC profile (RSSD 55635)