The Citizens State Bank: 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): 3.92 percentage points lower than in Q1 2026, at 30.07%. Within Kansas, The Citizens State Bank is 146th of 182 on loan-to-deposit ratio, 58.68% as of Q2 2026, below the middle of the field. The Citizens State Bank reported 58.68% on loan-to-deposit ratio for Q2 2026, 22.16 points below the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $224.3M |
| Net loans and leases | $220.9M |
| Loans held for sale | $0 |
| Loans to total assets | 49.78% |
| Loan-to-deposit ratio | 58.68% |
| Net loans to equity capital | 3.77% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 10.35% |
| Multifamily (5+ residential) | 0.64% |
| Commercial and industrial | 5.35% |
| Consumer | 1.05% |
| Credit cards | 0.00% |
| Farm | 41.57% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 30.07% |
| Construction concentration (Tier 1 capital + allowance) | 1.90% |
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 | 6.09% |
| Interest income on loans | $3.3M |
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 | $224.0M | $403.1M | 11.83% | 5.43% | 1.73% |
| Q4 2023 | $217.7M | $384.5M | 11.65% | 5.44% | 1.76% |
| Q1 2024 | $224.9M | $376.7M | 12.87% | 5.83% | 1.76% |
| Q2 2024 | $233.6M | $376.2M | 12.97% | 5.13% | 1.55% |
| Q3 2024 | $230.3M | $370.1M | 13.14% | 5.55% | 1.60% |
| Q4 2024 | $243.5M | $368.2M | 13.19% | 4.63% | 1.50% |
| Q1 2025 | $233.7M | $380.0M | 11.75% | 4.70% | 1.43% |
| Q2 2025 | $235.3M | $364.3M | 11.33% | 4.79% | 1.30% |
| Q3 2025 | $229.7M | $378.1M | 10.14% | 4.57% | 1.21% |
| Q4 2025 | $225.8M | $369.7M | 10.28% | 5.03% | 1.19% |
| Q1 2026 | $224.0M | $386.6M | 10.46% | 5.30% | 1.13% |
| Q2 2026 | $224.3M | $382.3M | 10.35% | 5.35% | 1.05% |
The Citizens State Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The Citizens State Bank, 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 profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17672) · FFIEC NIC profile (RSSD 273550)