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.
The standout move of Q2 2026 was in Construction concentration (Tier 1 capital + allowance): 20.87 percentage points lower than in Q1 2026, at 47.86%. Within Texas, Citizens State Bank is 64th of 346 on loan-to-deposit ratio, 88.43% as of Q2 2026, above the middle of the field. Citizens State Bank reported 88.43% on loan-to-deposit ratio for Q2 2026, 7.59 points above the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $211.9M |
| Net loans and leases | $209.4M |
| Loans held for sale | $0 |
| Loans to total assets | 78.44% |
| Loan-to-deposit ratio | 88.43% |
| Net loans to equity capital | 7.08% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 15.80% |
| Multifamily (5+ residential) | 1.94% |
| Commercial and industrial | 16.73% |
| Consumer | 2.82% |
| Credit cards | 0.00% |
| Farm | 16.56% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.04% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 121.72% |
| Construction concentration (Tier 1 capital + allowance) | 47.86% |
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 | — |
| Interest income on loans | $3.8M |
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 | $170.0M | $201.1M | 15.18% | 16.86% | 3.03% |
| Q4 2023 | $171.9M | $207.9M | 12.59% | 18.79% | 2.92% |
| Q1 2024 | $174.0M | $211.2M | 12.34% | 18.68% | 2.88% |
| Q2 2024 | $175.0M | $206.3M | 13.83% | 18.16% | 2.94% |
| Q3 2024 | $179.3M | $215.9M | 14.15% | 18.53% | 2.94% |
| Q4 2024 | $187.8M | $219.4M | 15.77% | 17.84% | 2.79% |
| Q1 2025 | $199.1M | $223.2M | 13.51% | 21.24% | 2.60% |
| Q2 2025 | $200.6M | $231.0M | 12.50% | 21.03% | 2.58% |
| Q3 2025 | $206.0M | $250.4M | 12.83% | 18.89% | 2.60% |
| Q4 2025 | $205.7M | $244.8M | 13.54% | 19.01% | 2.71% |
| Q1 2026 | $208.0M | $250.8M | 12.64% | 18.97% | 2.59% |
| Q2 2026 | $211.9M | $239.6M | 15.80% | 16.73% | 2.82% |
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 15519) · FFIEC NIC profile (RSSD 296755)