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) dropped 4.07 percentage points in Q2 2026, from 107.81% to 103.74%. It was the largest change from Q1 2026 among the key lines here. Within Texas, Citizens State Bank is 179th of 346 on loan-to-deposit ratio, 72.38% as of Q2 2026, below the middle of the field. Citizens State Bank reported 72.38% on loan-to-deposit ratio for Q2 2026, 15.82 points below the 88.20% median for banks in the $1B-10B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $760.3M |
| Net loans and leases | $751.8M |
| Loans held for sale | $0 |
| Loans to total assets | 62.35% |
| Loan-to-deposit ratio | 72.38% |
| Net loans to equity capital | 4.87% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 32.32% |
| Multifamily (5+ residential) | 0.27% |
| Commercial and industrial | 13.75% |
| Consumer | 2.47% |
| Credit cards | 0.00% |
| Farm | 9.41% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.20% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 103.74% |
| Construction concentration (Tier 1 capital + allowance) | 34.91% |
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 | 7.73% |
| Interest income on loans | $14.7M |
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 | $657.3M | $906.1M | 31.52% | 12.63% | 3.20% |
| Q4 2023 | $671.4M | $935.7M | 31.29% | 12.25% | 3.34% |
| Q1 2024 | $676.3M | $938.0M | 31.17% | 12.70% | 3.22% |
| Q2 2024 | $692.7M | $945.3M | 31.92% | 12.75% | 2.73% |
| Q3 2024 | $700.5M | $949.6M | 31.80% | 12.79% | 2.96% |
| Q4 2024 | $712.2M | $961.9M | 31.32% | 12.88% | 2.90% |
| Q1 2025 | $730.0M | $968.8M | 31.31% | 13.04% | 2.66% |
| Q2 2025 | $736.8M | $1.00B | 31.89% | 13.16% | 2.66% |
| Q3 2025 | $740.2M | $990.1M | 31.63% | 13.18% | 2.51% |
| Q4 2025 | $750.3M | $1.05B | 31.88% | 13.00% | 2.48% |
| Q1 2026 | $760.7M | $1.05B | 32.46% | 13.69% | 2.42% |
| Q2 2026 | $760.3M | $1.05B | 32.32% | 13.75% | 2.47% |
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 16753) · FFIEC NIC profile (RSSD 261360)