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.
Construction concentration (Tier 1 capital + allowance) climbed 12.98 percentage points in Q2 2026, from 55.75% to 68.73%. It was the largest change from Q1 2026 among the key lines here. Within Michigan, Citizens State Bank is 35th of 72 on loan-to-deposit ratio, 85.88% as of Q2 2026. The median for banks in the $100M-1B asset tier is 80.55% on loan-to-deposit ratio. Citizens State Bank sits 5.32 points higher, at 85.88% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $455.5M |
| Net loans and leases | $450.5M |
| Loans held for sale | $225K |
| Loans to total assets | 78.41% |
| Loan-to-deposit ratio | 85.88% |
| Net loans to equity capital | 9.38% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 54.73% |
| Multifamily (5+ residential) | 0.83% |
| Commercial and industrial | 9.71% |
| Consumer | 0.75% |
| Credit cards | 0.01% |
| Farm | 0.96% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 263.62% |
| Construction concentration (Tier 1 capital + allowance) | 68.73% |
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 | 7.66% |
| Interest income on loans | $8.4M |
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 | $135.7M | $199.7M | 54.10% | 7.71% | 2.06% |
| Q4 2023 | $143.0M | $207.7M | 53.81% | 6.92% | 2.04% |
| Q1 2024 | $160.4M | $235.1M | 57.13% | 6.11% | 1.92% |
| Q2 2024 | $175.4M | $261.9M | 54.87% | 8.00% | 1.95% |
| Q3 2024 | $194.3M | $283.2M | 52.23% | 9.65% | 1.88% |
| Q4 2024 | $211.1M | $296.2M | 51.12% | 9.02% | 1.52% |
| Q1 2025 | $236.1M | $349.7M | 54.53% | 8.20% | 1.32% |
| Q2 2025 | $293.9M | $374.9M | 54.72% | 11.20% | 1.33% |
| Q3 2025 | $342.8M | $426.1M | 55.83% | 9.64% | 1.18% |
| Q4 2025 | $382.1M | $481.4M | 58.33% | 9.25% | 0.78% |
| Q1 2026 | $415.4M | $496.5M | 57.01% | 8.57% | 0.72% |
| Q2 2026 | $455.5M | $530.5M | 54.73% | 9.71% | 0.75% |
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 8183) · FFIEC NIC profile (RSSD 356752)