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 CRE concentration (Tier 1 capital + allowance): 7.69 percentage points higher than in Q1 2026, at 270.12%. Citizens State Bank ranks 110th of 346 Texas banks on loan-to-deposit ratio, in the upper half at 82.96% (Q2 2026). At 82.96%, Citizens State Bank's loan-to-deposit ratio is close to the 80.84% median for banks in the $100M-1B asset tier (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $372.6M |
| Net loans and leases | $368.2M |
| Loans held for sale | $0 |
| Loans to total assets | 72.87% |
| Loan-to-deposit ratio | 82.96% |
| Net loans to equity capital | 6.21% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 29.46% |
| Multifamily (5+ residential) | 2.17% |
| Commercial and industrial | 18.76% |
| Consumer | 0.43% |
| Credit cards | 0.00% |
| Farm | 1.64% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.12% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 270.12% |
| Construction concentration (Tier 1 capital + allowance) | 157.43% |
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 | $5.8M |
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 | $188.1M | $267.2M | 35.50% | 16.23% | 1.32% |
| Q4 2023 | $203.1M | $274.2M | 35.17% | 16.74% | 1.29% |
| Q1 2024 | $210.1M | $291.7M | 34.33% | 16.72% | 1.26% |
| Q2 2024 | $217.2M | $291.1M | 33.05% | 16.79% | 1.15% |
| Q3 2024 | $221.8M | $305.4M | 37.06% | 14.33% | 1.11% |
| Q4 2024 | $215.2M | $304.7M | 34.85% | 14.99% | 1.06% |
| Q1 2025 | $233.8M | $315.0M | 31.94% | 17.25% | 0.95% |
| Q2 2025 | $269.0M | $323.4M | 30.85% | 20.04% | 0.71% |
| Q3 2025 | $306.0M | $392.2M | 32.18% | 17.40% | 0.57% |
| Q4 2025 | $350.9M | $401.0M | 28.60% | 18.57% | 0.55% |
| Q1 2026 | $357.7M | $416.1M | 28.89% | 20.40% | 0.50% |
| Q2 2026 | $372.6M | $449.2M | 29.46% | 18.76% | 0.43% |
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 12303) · FFIEC NIC profile (RSSD 625065)