Citizens Trust 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): 15.97 percentage points higher than in Q1 2026, at 110.02%. Within Georgia, Citizens Trust Bank is 99th of 122 on loan-to-deposit ratio, 57.49% as of Q2 2026. Citizens Trust Bank reported 57.49% on loan-to-deposit ratio for Q2 2026, 23.07 points below the 80.55% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $389.8M |
| Net loans and leases | $384.9M |
| Loans held for sale | $0 |
| Loans to total assets | 49.33% |
| Loan-to-deposit ratio | 57.49% |
| Net loans to equity capital | 3.90% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 33.38% |
| Multifamily (5+ residential) | 4.84% |
| Commercial and industrial | 26.93% |
| Consumer | 3.47% |
| Credit cards | 0.67% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.03% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 110.02% |
| Construction concentration (Tier 1 capital + allowance) | 42.92% |
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 | 6.15% |
| Interest income on loans | $5.9M |
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 | $370.9M | $617.4M | 43.05% | 23.80% | 2.97% |
| Q4 2023 | $372.8M | $652.3M | 39.85% | 24.40% | 3.09% |
| Q1 2024 | $394.5M | $641.9M | 37.78% | 20.74% | 3.14% |
| Q2 2024 | $401.1M | $661.7M | 37.75% | 20.82% | 3.34% |
| Q3 2024 | $407.4M | $672.2M | 36.23% | 21.46% | 4.55% |
| Q4 2024 | $408.1M | $695.3M | 36.33% | 22.87% | 4.24% |
| Q1 2025 | $398.8M | $663.9M | 36.69% | 22.84% | 4.53% |
| Q2 2025 | $397.6M | $679.0M | 37.41% | 23.37% | 4.70% |
| Q3 2025 | $382.4M | $659.0M | 37.65% | 22.84% | 4.52% |
| Q4 2025 | $380.5M | $682.5M | 35.41% | 25.22% | 4.39% |
| Q1 2026 | $384.8M | $669.6M | 33.45% | 26.66% | 4.01% |
| Q2 2026 | $389.8M | $678.1M | 33.38% | 26.93% | 3.47% |
Citizens Trust Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Citizens Trust 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 Trust Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8033) · FFIEC NIC profile (RSSD 680130)