Citizens State Bank of Lankin: 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 Loans to total assets: 5.68 percentage points higher than in Q1 2026, at 73.46%. Citizens State Bank of Lankin ranks 20th of 60 North Dakota banks on loan-to-deposit ratio, in the upper half at 86.24% (Q2 2026). The median for banks in the < $100M asset tier is 67.62% on loan-to-deposit ratio. Citizens State Bank of Lankin sits 18.62 points higher, at 86.24% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $53.0M |
| Net loans and leases | $52.6M |
| Loans held for sale | $0 |
| Loans to total assets | 73.46% |
| Loan-to-deposit ratio | 86.24% |
| Net loans to equity capital | 8.28% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 4.95% |
| Multifamily (5+ residential) | 3.82% |
| Commercial and industrial | 10.48% |
| Consumer | 9.32% |
| Credit cards | 0.00% |
| Farm | 23.87% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.38% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 41.20% |
| 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 | 7.50% |
| Interest income on loans | $969K |
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 | $39.2M | $46.8M | 7.46% | 9.21% | 11.10% |
| Q4 2023 | $41.1M | $48.9M | 6.92% | 8.95% | 10.34% |
| Q1 2024 | $40.8M | $52.0M | 6.91% | 9.92% | 9.84% |
| Q2 2024 | $43.3M | $49.1M | 6.43% | 9.37% | 9.16% |
| Q3 2024 | $45.8M | $52.5M | 6.20% | 8.99% | 9.28% |
| Q4 2024 | $46.7M | $56.3M | 5.62% | 8.92% | 9.80% |
| Q1 2025 | $46.6M | $56.1M | 5.12% | 9.51% | 9.99% |
| Q2 2025 | $49.6M | $55.6M | 4.91% | 9.37% | 5.98% |
| Q3 2025 | $50.4M | $58.6M | 5.03% | 9.88% | 9.41% |
| Q4 2025 | $51.4M | $61.3M | 5.23% | 9.48% | 9.99% |
| Q1 2026 | $52.1M | $63.6M | 4.68% | 10.12% | 9.89% |
| Q2 2026 | $53.0M | $61.4M | 4.95% | 10.48% | 9.32% |
Citizens State Bank of Lankin loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Citizens State Bank of Lankin, 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 Lankin profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9422) · FFIEC NIC profile (RSSD 940852)