The Citizens State Bank at Mohall: 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: 8.47 percentage points higher than in Q1 2026, at 84.71%. Within North Dakota, The Citizens State Bank at Mohall is 22nd of 60 on loan-to-deposit ratio, 84.71% as of Q2 2026, above the middle of the field. The median for banks in the < $100M asset tier is 67.62% on loan-to-deposit ratio. The Citizens State Bank at Mohall sits 17.09 points higher, at 84.71% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $59.2M |
| Net loans and leases | $58.8M |
| Loans held for sale | $0 |
| Loans to total assets | 73.81% |
| Loan-to-deposit ratio | 84.71% |
| Net loans to equity capital | 6.38% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 8.25% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 9.63% |
| Consumer | 4.11% |
| Credit cards | 0.27% |
| Farm | 33.01% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.30% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 48.70% |
| Construction concentration (Tier 1 capital + allowance) | 0.00% |
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 | — |
| Interest income on loans | $875K |
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 | $51.4M | $58.0M | 5.45% | 6.21% | 4.90% |
| Q4 2023 | $50.3M | $59.3M | 5.50% | 8.99% | 4.85% |
| Q1 2024 | $50.9M | $63.6M | 4.87% | 10.36% | 5.53% |
| Q2 2024 | $54.1M | $63.2M | 5.35% | 9.55% | 5.09% |
| Q3 2024 | $54.9M | $61.7M | 5.26% | 9.54% | 4.98% |
| Q4 2024 | $54.5M | $63.1M | 5.46% | 10.50% | 4.97% |
| Q1 2025 | $53.6M | $67.0M | 5.88% | 10.75% | 4.65% |
| Q2 2025 | $57.7M | $65.9M | 5.93% | 10.89% | 4.21% |
| Q3 2025 | $56.5M | $64.2M | 5.88% | 11.71% | 4.30% |
| Q4 2025 | $58.8M | $65.6M | 8.46% | 11.15% | 4.14% |
| Q1 2026 | $56.8M | $74.5M | 8.63% | 10.38% | 4.23% |
| Q2 2026 | $59.2M | $69.9M | 8.25% | 9.63% | 4.11% |
The Citizens State Bank at Mohall loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The Citizens State Bank at Mohall, 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 at Mohall profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8632) · FFIEC NIC profile (RSSD 688453)