Citizens State Bank and Trust Co., Ellsworth, Kansas: 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 Loan-to-deposit ratio: 2.89 percentage points higher than in Q1 2026, at 80.62%. Within Kansas, Citizens State Bank and Trust Co., Ellsworth, Kansas is 73rd of 182 on loan-to-deposit ratio, 80.62% as of Q2 2026, above the middle of the field. At 80.62%, Citizens State Bank and Trust Co., Ellsworth, Kansas's loan-to-deposit ratio is close to the 80.94% median for banks in the $100M-1B asset tier (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $170.4M |
| Net loans and leases | $168.4M |
| Loans held for sale | $0 |
| Loans to total assets | 61.77% |
| Loan-to-deposit ratio | 80.62% |
| Net loans to equity capital | 7.92% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 6.78% |
| Multifamily (5+ residential) | 0.35% |
| Commercial and industrial | 3.16% |
| Consumer | 4.28% |
| Credit cards | 0.00% |
| Farm | 33.47% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.35% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 17.21% |
| Construction concentration (Tier 1 capital + allowance) | 2.93% |
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 | 6.53% |
| Interest income on loans | $2.7M |
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 | $151.2M | $178.8M | 7.78% | 3.42% | 4.76% |
| Q4 2023 | $148.4M | $194.7M | 7.91% | 3.69% | 4.90% |
| Q1 2024 | $148.6M | $189.1M | 7.95% | 3.55% | 4.77% |
| Q2 2024 | $154.7M | $191.3M | 7.51% | 3.93% | 4.73% |
| Q3 2024 | $156.3M | $186.1M | 7.45% | 3.36% | 4.46% |
| Q4 2024 | $154.1M | $199.8M | 7.65% | 2.87% | 4.37% |
| Q1 2025 | $153.6M | $199.4M | 7.59% | 2.95% | 4.19% |
| Q2 2025 | $162.5M | $199.6M | 7.38% | 2.82% | 4.12% |
| Q3 2025 | $166.7M | $194.6M | 8.44% | 2.57% | 3.93% |
| Q4 2025 | $167.6M | $215.6M | 8.34% | 2.58% | 3.90% |
| Q1 2026 | $164.9M | $212.2M | 8.06% | 2.78% | 4.20% |
| Q2 2026 | $170.4M | $211.4M | 6.78% | 3.16% | 4.28% |
Citizens State Bank and Trust Co., Ellsworth, Kansas loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Citizens State Bank and Trust Co., Ellsworth, Kansas, 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 and Trust Co., Ellsworth, Kansas profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11778) · FFIEC NIC profile (RSSD 733951)