Citizens State Bank and Trust Company: 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: 5.26 percentage points higher than in Q1 2026, at 82.47%. Within Kansas, Citizens State Bank and Trust Company is 65th of 182 on loan-to-deposit ratio, 82.47% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio; Citizens State Bank and Trust Company reported 82.47% for Q2 2026, nearly level with it.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $65.6M |
| Net loans and leases | $65.0M |
| Loans held for sale | $0 |
| Loans to total assets | 63.35% |
| Loan-to-deposit ratio | 82.47% |
| Net loans to equity capital | 3.47% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 5.91% |
| Multifamily (5+ residential) | 1.39% |
| Commercial and industrial | 6.29% |
| Consumer | 4.26% |
| Credit cards | 0.00% |
| Farm | 29.42% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 11.83% |
| Construction concentration (Tier 1 capital + allowance) | 7.20% |
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 | 6.44% |
| Interest income on loans | $1.0M |
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 | $58.0M | $83.0M | 4.56% | 7.77% | 5.23% |
| Q4 2023 | $60.6M | $79.8M | 4.33% | 7.55% | 4.67% |
| Q1 2024 | $59.6M | $79.3M | 4.56% | 7.70% | 4.71% |
| Q2 2024 | $60.0M | $75.9M | 3.67% | 7.42% | 4.42% |
| Q3 2024 | $60.3M | $72.2M | 3.76% | 7.41% | 4.57% |
| Q4 2024 | $61.8M | $74.5M | 4.12% | 6.63% | 4.35% |
| Q1 2025 | $61.1M | $75.8M | 4.06% | 7.45% | 4.18% |
| Q2 2025 | $65.0M | $76.6M | 4.62% | 6.37% | 4.12% |
| Q3 2025 | $64.7M | $74.9M | 4.86% | 6.49% | 4.09% |
| Q4 2025 | $64.6M | $79.0M | 6.18% | 6.56% | 4.38% |
| Q1 2026 | $62.7M | $81.2M | 6.15% | 6.32% | 4.35% |
| Q2 2026 | $65.6M | $79.6M | 5.91% | 6.29% | 4.26% |
Citizens State Bank and Trust Company 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 Company, 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 Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5830) · FFIEC NIC profile (RSSD 678557)