Citizens Tri-County 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.
Cre concentration (tier 1 capital + allowance) dropped 14.64 percentage points in Q2 2026, from 259.81% to 245.17%. It was the largest change from Q1 2026 among the key lines here. Within Tennessee, Citizens Tri-County Bank is 81st of 109 on loan-to-deposit ratio, 72.75% as of Q2 2026, below the middle of the field. Citizens Tri-County Bank reported 72.75% on loan-to-deposit ratio for Q2 2026, 15.45 points below the 88.20% median for banks in the $1B-10B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $1.07B |
| Net loans and leases | $1.06B |
| Loans held for sale | $1.1M |
| Loans to total assets | 65.51% |
| Loan-to-deposit ratio | 72.75% |
| Net loans to equity capital | 7.12% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 23.55% |
| Multifamily (5+ residential) | 1.74% |
| Commercial and industrial | 5.93% |
| Consumer | 7.73% |
| Credit cards | 0.09% |
| Farm | 2.99% |
| Loans to depository institutions | 0.24% |
| State and political subdivisions | 6.42% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 245.17% |
| Construction concentration (Tier 1 capital + allowance) | 135.13% |
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 | — |
| Interest income on loans | $19.4M |
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 | $865.0M | $1.18B | 20.13% | 7.96% | 10.36% |
| Q4 2023 | $879.2M | $1.22B | 18.97% | 7.86% | 10.10% |
| Q1 2024 | $894.0M | $1.27B | 22.60% | 7.42% | 9.72% |
| Q2 2024 | $894.9M | $1.29B | 23.85% | 7.13% | 9.75% |
| Q3 2024 | $924.1M | $1.32B | 23.50% | 7.96% | 9.41% |
| Q4 2024 | $940.3M | $1.35B | 22.75% | 8.72% | 8.86% |
| Q1 2025 | $946.9M | $1.39B | 23.66% | 6.96% | 8.72% |
| Q2 2025 | $978.9M | $1.41B | 24.20% | 6.51% | 8.34% |
| Q3 2025 | $1.01B | $1.39B | 24.32% | 6.12% | 8.23% |
| Q4 2025 | $1.08B | $1.45B | 23.35% | 6.83% | 7.68% |
| Q1 2026 | $1.07B | $1.50B | 23.50% | 5.37% | 7.71% |
| Q2 2026 | $1.07B | $1.48B | 23.55% | 5.93% | 7.73% |
Citizens Tri-County Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Citizens Tri-County 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 Citizens Tri-County Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 20818) · FFIEC NIC profile (RSSD 162337)