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 Loan-to-deposit ratio: 4.28 percentage points higher than in Q1 2026, at 79.25%. Within Iowa, Citizens State Bank is 128th of 225 on loan-to-deposit ratio, 79.25% 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 reported 79.25% for Q2 2026, nearly level with it.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $131.6M |
| Net loans and leases | $130.1M |
| Loans held for sale | $0 |
| Loans to total assets | 67.63% |
| Loan-to-deposit ratio | 79.25% |
| Net loans to equity capital | 5.27% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 6.79% |
| Multifamily (5+ residential) | 0.27% |
| Commercial and industrial | 8.30% |
| Consumer | 4.76% |
| Credit cards | 0.00% |
| Farm | 24.58% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 1.14% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 45.00% |
| Construction concentration (Tier 1 capital + allowance) | 9.67% |
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 | 6.39% |
| Interest income on loans | $2.1M |
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 | $108.2M | $148.1M | 5.58% | 11.87% | 7.10% |
| Q4 2023 | $112.9M | $155.6M | 5.27% | 11.79% | 6.33% |
| Q1 2024 | $116.2M | $153.9M | 5.13% | 10.80% | 6.09% |
| Q2 2024 | $116.0M | $150.1M | 5.97% | 11.28% | 6.07% |
| Q3 2024 | $116.2M | $152.9M | 6.17% | 10.44% | 5.70% |
| Q4 2024 | $119.5M | $162.6M | 5.93% | 11.15% | 5.42% |
| Q1 2025 | $120.0M | $163.6M | 6.83% | 10.15% | 5.36% |
| Q2 2025 | $122.6M | $165.8M | 6.74% | 9.70% | 5.06% |
| Q3 2025 | $124.1M | $169.5M | 6.63% | 9.66% | 5.22% |
| Q4 2025 | $127.2M | $174.7M | 6.45% | 9.28% | 4.78% |
| Q1 2026 | $129.4M | $172.6M | 6.64% | 9.34% | 4.63% |
| Q2 2026 | $131.6M | $166.1M | 6.79% | 8.30% | 4.76% |
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 18356) · FFIEC NIC profile (RSSD 413543)