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.
CRE concentration (Tier 1 capital + allowance) dropped 10.62 percentage points in Q2 2026, from 167.04% to 156.42%. It was the largest change from Q1 2026 among the key lines here. Citizens State Bank ranks 41st of 153 Wisconsin banks on loan-to-deposit ratio, in the upper half at 97.71% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.55% on loan-to-deposit ratio. Citizens State Bank sits 17.16 points higher, at 97.71% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $401.1M |
| Net loans and leases | $395.8M |
| Loans held for sale | $0 |
| Loans to total assets | 82.16% |
| Loan-to-deposit ratio | 97.71% |
| Net loans to equity capital | 8.40% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 22.78% |
| Multifamily (5+ residential) | 7.31% |
| Commercial and industrial | 4.68% |
| Consumer | 0.60% |
| Credit cards | 0.00% |
| Farm | 2.45% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.36% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 156.42% |
| Construction concentration (Tier 1 capital + allowance) | 38.75% |
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 | 6.34% |
| Interest income on loans | $6.3M |
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 | $319.6M | $324.7M | 24.85% | 7.84% | 1.15% |
| Q4 2023 | $334.8M | $344.0M | 24.23% | 7.50% | 1.14% |
| Q1 2024 | $339.1M | $374.2M | 23.36% | 7.37% | 1.08% |
| Q2 2024 | $352.0M | $385.9M | 22.49% | 7.64% | 1.01% |
| Q3 2024 | $363.7M | $378.3M | 24.78% | 7.76% | 0.96% |
| Q4 2024 | $376.6M | $370.0M | 24.23% | 8.19% | 0.93% |
| Q1 2025 | $389.2M | $392.6M | 25.26% | 5.76% | 0.86% |
| Q2 2025 | $390.0M | $397.9M | 24.94% | 5.36% | 0.82% |
| Q3 2025 | $392.0M | $403.6M | 23.58% | 5.11% | 0.86% |
| Q4 2025 | $405.0M | $400.8M | 22.88% | 5.26% | 0.76% |
| Q1 2026 | $400.7M | $411.2M | 22.44% | 4.99% | 0.75% |
| Q2 2026 | $401.1M | $410.5M | 22.78% | 4.68% | 0.60% |
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 6194) · FFIEC NIC profile (RSSD 867856)