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.
Commercial real estate (nonfarm nonresidential) climbed 1.15 percentage points in Q2 2026, from 17.38% to 18.53%. It was the largest change from Q1 2026 among the key lines here. Citizens State Bank ranks 190th of 225 Iowa banks on loan-to-deposit ratio, in the lower half at 61.01% (Q2 2026). Citizens State Bank reported 61.01% on loan-to-deposit ratio for Q2 2026, 19.54 points below the 80.55% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $328.1M |
| Net loans and leases | $324.2M |
| Loans held for sale | $0 |
| Loans to total assets | 55.20% |
| Loan-to-deposit ratio | 61.01% |
| Net loans to equity capital | 8.19% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 18.53% |
| Multifamily (5+ residential) | 0.98% |
| Commercial and industrial | 11.27% |
| Consumer | 1.35% |
| Credit cards | 0.00% |
| Farm | 27.51% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 1.75% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 49.43% |
| Construction concentration (Tier 1 capital + allowance) | 9.06% |
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 | 6.71% |
| Interest income on loans | $5.5M |
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 | $244.0M | $456.8M | 16.96% | 12.48% | 2.24% |
| Q4 2023 | $262.7M | $460.5M | 16.39% | 11.53% | 2.06% |
| Q1 2024 | $257.7M | $466.6M | 17.42% | 12.35% | 1.98% |
| Q2 2024 | $257.2M | $462.8M | 19.72% | 12.47% | 2.17% |
| Q3 2024 | $271.0M | $489.7M | 20.58% | 12.16% | 2.00% |
| Q4 2024 | $290.2M | $502.3M | 19.43% | 11.60% | 1.81% |
| Q1 2025 | $296.4M | $515.3M | 19.72% | 11.14% | 1.70% |
| Q2 2025 | $304.7M | $515.5M | 20.63% | 11.43% | 1.75% |
| Q3 2025 | $304.9M | $517.7M | 19.67% | 13.15% | 1.62% |
| Q4 2025 | $330.2M | $544.0M | 16.86% | 12.09% | 1.60% |
| Q1 2026 | $323.4M | $530.4M | 17.38% | 11.54% | 1.39% |
| Q2 2026 | $328.1M | $537.8M | 18.53% | 11.27% | 1.35% |
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 9047) · FFIEC NIC profile (RSSD 795548)