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.
Loan-to-deposit ratio climbed 3.88 percentage points in Q2 2026, from 55.60% to 59.48%. It was the largest change from Q1 2026 among the key lines here. Within Kansas, Citizens State Bank is 141st of 182 on loan-to-deposit ratio, 59.48% as of Q2 2026. Citizens State Bank reported 59.48% on loan-to-deposit ratio for Q2 2026, 21.07 points below the 80.55% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $70.4M |
| Net loans and leases | $69.6M |
| Loans held for sale | $0 |
| Loans to total assets | 51.22% |
| Loan-to-deposit ratio | 59.48% |
| Net loans to equity capital | 3.78% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 6.54% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 12.44% |
| Consumer | 1.47% |
| Credit cards | 0.52% |
| Farm | 41.89% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 9.86% |
| Construction concentration (Tier 1 capital + allowance) | 0.01% |
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 | 7.01% |
| Interest income on loans | $1.2M |
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 | $74.8M | $109.0M | 7.52% | 11.75% | 1.23% |
| Q4 2023 | $75.2M | $124.5M | 7.03% | 11.41% | 1.27% |
| Q1 2024 | $68.8M | $121.4M | 7.43% | 12.17% | 1.24% |
| Q2 2024 | $75.8M | $108.4M | 6.58% | 11.81% | 1.14% |
| Q3 2024 | $80.3M | $112.1M | 6.07% | 11.67% | 1.10% |
| Q4 2024 | $80.9M | $121.5M | 5.75% | 11.82% | 1.26% |
| Q1 2025 | $70.2M | $120.8M | 6.40% | 12.39% | 1.36% |
| Q2 2025 | $74.5M | $112.6M | 5.91% | 11.24% | 1.25% |
| Q3 2025 | $78.7M | $108.9M | 5.98% | 10.65% | 1.17% |
| Q4 2025 | $78.5M | $120.2M | 5.87% | 11.29% | 1.25% |
| Q1 2026 | $69.1M | $124.3M | 6.50% | 12.83% | 1.48% |
| Q2 2026 | $70.4M | $118.4M | 6.54% | 12.44% | 1.47% |
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 15261) · FFIEC NIC profile (RSSD 937759)