Citizens State Bank - La Crosse: 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 CRE concentration (Tier 1 capital + allowance): 21.50 percentage points lower than in Q1 2026, at 302.31%. Within Wisconsin, Citizens State Bank - La Crosse is 21st of 153 on loan-to-deposit ratio, 106.42% 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 - La Crosse sits 25.58 points higher, at 106.42% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $546.3M |
| Net loans and leases | $538.9M |
| Loans held for sale | $748K |
| Loans to total assets | 84.24% |
| Loan-to-deposit ratio | 106.42% |
| Net loans to equity capital | 6.33% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 35.47% |
| Multifamily (5+ residential) | 25.17% |
| Commercial and industrial | 11.42% |
| Consumer | 0.53% |
| Credit cards | 0.30% |
| Farm | 1.52% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.10% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 302.31% |
| Construction concentration (Tier 1 capital + allowance) | 49.38% |
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 | 6.70% |
| Interest income on loans | $9.1M |
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 | $535.2M | $497.7M | 35.34% | 11.81% | 0.65% |
| Q4 2023 | $544.9M | $496.9M | 35.17% | 12.09% | 0.65% |
| Q1 2024 | $543.3M | $502.6M | 33.94% | 12.50% | 0.63% |
| Q2 2024 | $555.4M | $510.3M | 34.52% | 12.22% | 0.60% |
| Q3 2024 | $565.6M | $514.6M | 33.76% | 12.93% | 0.59% |
| Q4 2024 | $547.9M | $553.2M | 35.31% | 9.57% | 0.62% |
| Q1 2025 | $547.0M | $556.0M | 35.88% | 8.72% | 0.58% |
| Q2 2025 | $541.2M | $533.6M | 36.20% | 9.09% | 0.56% |
| Q3 2025 | $552.2M | $540.7M | 37.08% | 9.09% | 0.53% |
| Q4 2025 | $539.5M | $517.6M | 36.87% | 9.92% | 0.48% |
| Q1 2026 | $546.4M | $531.1M | 35.51% | 10.20% | 0.49% |
| Q2 2026 | $546.3M | $513.4M | 35.47% | 11.42% | 0.53% |
Citizens State Bank - La Crosse loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Citizens State Bank - La Crosse, 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 - La Crosse profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1513) · FFIEC NIC profile (RSSD 447557)