The 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.
Construction concentration (tier 1 capital + allowance) climbed 4.77 percentage points in Q2 2026, from 36.88% to 41.65%. It was the largest change from Q1 2026 among the key lines here. Within Kansas, The Citizens State Bank and Trust Company is 19th of 182 on loan-to-deposit ratio, 97.78% as of Q2 2026, above the middle of the field. The median for banks in the < $100M asset tier is 67.92% on loan-to-deposit ratio. The Citizens State Bank and Trust Company sits 29.86 points higher, at 97.78% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $82.5M |
| Net loans and leases | $81.7M |
| Loans held for sale | $0 |
| Loans to total assets | 85.82% |
| Loan-to-deposit ratio | 97.78% |
| Net loans to equity capital | 9.92% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 17.11% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 11.43% |
| Consumer | 1.69% |
| Credit cards | 0.00% |
| Farm | 31.97% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 100.20% |
| Construction concentration (Tier 1 capital + allowance) | 41.65% |
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 | 7.91% |
| Interest income on loans | $1.6M |
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 | $55.6M | $56.9M | 8.27% | 14.24% | 2.71% |
| Q4 2023 | $57.5M | $59.1M | 8.60% | 13.43% | 2.66% |
| Q1 2024 | $58.7M | $59.7M | 8.98% | 13.65% | 2.51% |
| Q2 2024 | $60.1M | $62.8M | 8.88% | 13.81% | 2.41% |
| Q3 2024 | $63.6M | $63.8M | 11.70% | 13.58% | 2.52% |
| Q4 2024 | $65.1M | $63.9M | 11.44% | 14.16% | 2.45% |
| Q1 2025 | $68.1M | $68.0M | 11.47% | 12.14% | 2.32% |
| Q2 2025 | $72.6M | $72.3M | 11.83% | 11.69% | 2.15% |
| Q3 2025 | $74.2M | $72.0M | 11.96% | 10.73% | 2.16% |
| Q4 2025 | $72.3M | $73.5M | 11.84% | 10.47% | 2.03% |
| Q1 2026 | $75.8M | $77.7M | 14.32% | 10.02% | 1.91% |
| Q2 2026 | $82.5M | $84.3M | 17.11% | 11.43% | 1.69% |
The 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 The 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 The Citizens State Bank and Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15254) · FFIEC NIC profile (RSSD 442057)