Citizens State Bank of Loyal: 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 20.24 percentage points in Q2 2026, from 85.73% to 105.98%. It was the largest change from Q1 2026 among the key lines here. Citizens State Bank of Loyal ranks 127th of 153 Wisconsin banks on loan-to-deposit ratio, in the lower half at 72.68% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Citizens State Bank of Loyal sits 8.15 points lower, at 72.68% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $181.9M |
| Net loans and leases | $180.0M |
| Loans held for sale | $120K |
| Loans to total assets | 58.40% |
| Loan-to-deposit ratio | 72.68% |
| Net loans to equity capital | 5.66% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 15.44% |
| Multifamily (5+ residential) | 12.03% |
| Commercial and industrial | 3.78% |
| Consumer | 0.19% |
| Credit cards | 0.00% |
| Farm | 35.58% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 8.25% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 105.98% |
| Construction concentration (Tier 1 capital + allowance) | 22.32% |
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 | 6.13% |
| Interest income on loans | $2.7M |
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 | $150.7M | $225.0M | 11.75% | 4.67% | 0.20% |
| Q4 2023 | $154.2M | $228.6M | 12.61% | 4.73% | 0.16% |
| Q1 2024 | $159.2M | $224.8M | 12.23% | 4.95% | 0.18% |
| Q2 2024 | $166.8M | $228.7M | 11.82% | 5.14% | 0.16% |
| Q3 2024 | $167.1M | $245.5M | 11.67% | 4.88% | 0.18% |
| Q4 2024 | $171.1M | $243.5M | 14.14% | 4.70% | 0.19% |
| Q1 2025 | $173.3M | $243.7M | 16.60% | 5.63% | 0.17% |
| Q2 2025 | $171.3M | $254.9M | 15.98% | 4.73% | 0.18% |
| Q3 2025 | $172.9M | $240.6M | 15.90% | 4.44% | 0.18% |
| Q4 2025 | $178.7M | $244.9M | 17.00% | 3.75% | 0.15% |
| Q1 2026 | $175.7M | $242.8M | 16.36% | 3.94% | 0.19% |
| Q2 2026 | $181.9M | $250.3M | 15.44% | 3.78% | 0.19% |
Citizens State Bank of Loyal loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Citizens State Bank of Loyal, 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 Loyal profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 6186) · FFIEC NIC profile (RSSD 479446)