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 Loan-to-deposit ratio: 3.94 percentage points higher than in Q1 2026, at 90.54%. Within Kansas, The Citizens State Bank is 39th of 182 on loan-to-deposit ratio, 90.54% 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. The Citizens State Bank sits 9.71 points higher, at 90.54% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $345.2M |
| Net loans and leases | $340.8M |
| Loans held for sale | $0 |
| Loans to total assets | 78.03% |
| Loan-to-deposit ratio | 90.54% |
| Net loans to equity capital | 9.86% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 13.73% |
| Multifamily (5+ residential) | 2.14% |
| Commercial and industrial | 11.13% |
| Consumer | 1.01% |
| Credit cards | 0.00% |
| Farm | 25.95% |
| Loans to depository institutions | 1.50% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 61.92% |
| Construction concentration (Tier 1 capital + allowance) | 9.90% |
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 | 6.32% |
| Interest income on loans | $5.4M |
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 | $294.9M | $315.6M | 15.72% | 7.55% | 1.25% |
| Q4 2023 | $306.2M | $321.6M | 16.15% | 6.91% | 1.20% |
| Q1 2024 | $296.0M | $344.5M | 16.72% | 7.53% | 1.24% |
| Q2 2024 | $303.5M | $328.4M | 16.73% | 7.93% | 1.20% |
| Q3 2024 | $308.0M | $334.0M | 16.69% | 8.36% | 1.17% |
| Q4 2024 | $320.7M | $346.0M | 15.89% | 8.31% | 1.07% |
| Q1 2025 | $313.7M | $353.5M | 14.82% | 8.56% | 1.10% |
| Q2 2025 | $323.7M | $348.0M | 14.78% | 9.20% | 1.19% |
| Q3 2025 | $323.6M | $340.8M | 14.61% | 9.23% | 1.10% |
| Q4 2025 | $332.5M | $364.8M | 14.14% | 8.55% | 0.98% |
| Q1 2026 | $331.3M | $382.6M | 14.01% | 9.67% | 0.99% |
| Q2 2026 | $345.2M | $381.2M | 13.73% | 11.13% | 1.01% |
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 14269) · FFIEC NIC profile (RSSD 572459)