Citizens State Bank of Arlington: 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.
Cre concentration (tier 1 capital + allowance) climbed 6.62 percentage points in Q2 2026, from 10.61% to 17.23%. It was the largest change from Q1 2026 among the key lines here. Citizens State Bank of Arlington ranks 47th of 56 South Dakota banks on loan-to-deposit ratio, in the lower half at 55.05% (Q2 2026). Citizens State Bank of Arlington reported 55.05% on loan-to-deposit ratio for Q2 2026, 25.79 points below the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $74.3M |
| Net loans and leases | $73.0M |
| Loans held for sale | $0 |
| Loans to total assets | 48.47% |
| Loan-to-deposit ratio | 55.05% |
| Net loans to equity capital | 4.28% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 6.40% |
| Multifamily (5+ residential) | 1.65% |
| Commercial and industrial | 5.55% |
| Consumer | 2.83% |
| Credit cards | 0.20% |
| Farm | 43.47% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.18% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 17.23% |
| Construction concentration (Tier 1 capital + allowance) | 9.02% |
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 | 6.47% |
| Interest income on loans | $1.2M |
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 | $67.9M | $124.8M | 5.30% | 4.31% | 3.17% |
| Q4 2023 | $73.1M | $123.2M | 5.62% | 5.87% | 2.91% |
| Q1 2024 | $72.1M | $124.4M | 5.57% | 5.91% | 2.89% |
| Q2 2024 | $76.0M | $121.8M | 5.75% | 5.42% | 3.02% |
| Q3 2024 | $77.5M | $118.1M | 5.35% | 5.35% | 3.20% |
| Q4 2024 | $78.5M | $121.7M | 5.21% | 5.41% | 2.94% |
| Q1 2025 | $76.7M | $125.9M | 6.23% | 4.90% | 2.85% |
| Q2 2025 | $78.7M | $128.2M | 6.76% | 5.65% | 2.86% |
| Q3 2025 | $79.2M | $123.7M | 6.61% | 4.78% | 3.00% |
| Q4 2025 | $78.6M | $132.4M | 6.58% | 5.04% | 2.83% |
| Q1 2026 | $76.0M | $137.1M | 6.64% | 5.09% | 2.87% |
| Q2 2026 | $74.3M | $134.9M | 6.40% | 5.55% | 2.83% |
Citizens State Bank of Arlington loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Citizens State Bank of Arlington, 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 of Arlington profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1118) · FFIEC NIC profile (RSSD 274856)