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): 10.10 percentage points higher than in Q1 2026, at 91.06%. Citizens State Bank ranks 193rd of 346 Texas banks on loan-to-deposit ratio, in the lower half at 69.25% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.94% on loan-to-deposit ratio. Citizens State Bank sits 11.70 points lower, at 69.25% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $316.2M |
| Net loans and leases | $312.9M |
| Loans held for sale | $0 |
| Loans to total assets | 62.36% |
| Loan-to-deposit ratio | 69.25% |
| Net loans to equity capital | 6.94% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 10.69% |
| Multifamily (5+ residential) | 0.12% |
| Commercial and industrial | 4.30% |
| Consumer | 2.70% |
| Credit cards | 0.00% |
| Farm | 6.75% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 109.20% |
| Construction concentration (Tier 1 capital + allowance) | 91.06% |
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 | 6.24% |
| Interest income on loans | $4.7M |
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 | $237.4M | $364.2M | 7.81% | 4.66% | 3.11% |
| Q4 2023 | $238.5M | $362.4M | 7.10% | 4.54% | 3.10% |
| Q1 2024 | $240.8M | $369.2M | 7.60% | 4.53% | 3.14% |
| Q2 2024 | $244.2M | $378.0M | 7.05% | 5.06% | 3.19% |
| Q3 2024 | $249.2M | $383.4M | 6.94% | 4.71% | 3.29% |
| Q4 2024 | $251.9M | $374.6M | 6.37% | 4.72% | 3.39% |
| Q1 2025 | $262.3M | $399.2M | 8.61% | 5.24% | 3.14% |
| Q2 2025 | $271.9M | $390.0M | 8.95% | 5.09% | 3.14% |
| Q3 2025 | $280.4M | $402.4M | 8.94% | 4.70% | 3.04% |
| Q4 2025 | $287.2M | $424.4M | 8.65% | 4.33% | 3.01% |
| Q1 2026 | $296.2M | $457.8M | 8.98% | 4.19% | 2.95% |
| Q2 2026 | $316.2M | $456.6M | 10.69% | 4.30% | 2.70% |
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 17214) · FFIEC NIC profile (RSSD 523161)