Citizens State 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.
Cre concentration (tier 1 capital + allowance) climbed 10.36 percentage points in Q2 2026, from 8.49% to 18.85%. It was the largest change from Q1 2026 among the key lines here. Citizens State Bank ranks 165th of 225 Iowa banks on loan-to-deposit ratio, in the lower half at 69.17% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Citizens State Bank sits 11.67 points lower, at 69.17% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $77.4M |
| Net loans and leases | $76.9M |
| Loans held for sale | $0 |
| Loans to total assets | 56.23% |
| Loan-to-deposit ratio | 69.17% |
| Net loans to equity capital | 3.45% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 2.67% |
| Multifamily (5+ residential) | 3.23% |
| Commercial and industrial | 16.33% |
| Consumer | 2.19% |
| Credit cards | 0.00% |
| Farm | 22.70% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.09% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 18.85% |
| Construction concentration (Tier 1 capital + allowance) | 4.51% |
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 | 7.11% |
| Interest income on loans | $1.3M |
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 | $73.0M | $91.6M | 3.11% | 16.23% | 4.00% |
| Q4 2023 | $73.1M | $99.4M | 3.06% | 16.00% | 3.98% |
| Q1 2024 | $74.0M | $97.0M | 2.98% | 15.73% | 3.91% |
| Q2 2024 | $73.8M | $95.1M | 2.95% | 16.13% | 3.88% |
| Q3 2024 | $73.3M | $97.6M | 3.00% | 15.13% | 3.75% |
| Q4 2024 | $74.0M | $101.6M | 2.95% | 14.50% | 3.61% |
| Q1 2025 | $74.3M | $103.6M | 2.90% | 14.52% | 3.25% |
| Q2 2025 | $77.5M | $102.6M | 2.71% | 16.14% | 2.90% |
| Q3 2025 | $75.0M | $98.4M | 2.77% | 15.96% | 2.86% |
| Q4 2025 | $70.5M | $99.7M | 3.29% | 16.44% | 2.80% |
| Q1 2026 | $72.8M | $111.4M | 3.02% | 16.46% | 2.42% |
| Q2 2026 | $77.4M | $112.0M | 2.67% | 16.33% | 2.19% |
Citizens State Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Citizens State 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 State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11759) · FFIEC NIC profile (RSSD 212344)