First Citizens Community 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 Loans held for sale: 76.5% higher than in Q1 2026, at $10.4M. First Citizens Community Bank ranks 20th of 109 Pennsylvania banks on loan-to-deposit ratio, in the upper half at 100.13% (Q2 2026). The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. First Citizens Community Bank sits 11.93 points higher, at 100.13% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $2.41B |
| Net loans and leases | $2.38B |
| Loans held for sale | $10.4M |
| Loans to total assets | 75.47% |
| Loan-to-deposit ratio | 100.13% |
| Net loans to equity capital | 6.58% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 33.86% |
| Multifamily (5+ residential) | 10.63% |
| Commercial and industrial | 5.66% |
| Consumer | 1.61% |
| Credit cards | 0.00% |
| Farm | 15.16% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 3.68% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 298.31% |
| Construction concentration (Tier 1 capital + allowance) | 29.75% |
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 | 6.03% |
| Interest income on loans | $35.2M |
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 | $2.26B | $2.34B | 32.02% | 5.63% | 5.12% |
| Q4 2023 | $2.26B | $2.33B | 33.05% | 5.91% | 2.73% |
| Q1 2024 | $2.25B | $2.31B | 34.16% | 5.67% | 2.34% |
| Q2 2024 | $2.27B | $2.28B | 33.62% | 5.60% | 3.10% |
| Q3 2024 | $2.34B | $2.45B | 32.51% | 5.61% | 6.09% |
| Q4 2024 | $2.32B | $2.39B | 33.57% | 5.51% | 5.72% |
| Q1 2025 | $2.32B | $2.37B | 30.59% | 5.66% | 5.57% |
| Q2 2025 | $2.26B | $2.30B | 31.82% | 5.72% | 2.07% |
| Q3 2025 | $2.35B | $2.42B | 31.31% | 5.67% | 4.62% |
| Q4 2025 | $2.36B | $2.38B | 32.59% | 5.83% | 3.72% |
| Q1 2026 | $2.30B | $2.46B | 34.13% | 5.93% | 0.82% |
| Q2 2026 | $2.41B | $2.40B | 33.86% | 5.66% | 1.61% |
First Citizens Community Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock First Citizens Community 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 First Citizens Community Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 7593) · FFIEC NIC profile (RSSD 978118)