First 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.
Loan-to-deposit ratio climbed 10.78 percentage points in Q2 2026, from 100.45% to 111.23%. It was the largest change from Q1 2026 among the key lines here. Among 153 Wisconsin banks, First Citizens State Bank sits 12th from the top on loan-to-deposit ratio, 111.23% as of Q2 2026. The median for banks in the $100M-1B asset tier is 80.55% on loan-to-deposit ratio. First Citizens State Bank sits 30.68 points higher, at 111.23% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $395.2M |
| Net loans and leases | $388.1M |
| Loans held for sale | $0 |
| Loans to total assets | 75.24% |
| Loan-to-deposit ratio | 111.23% |
| Net loans to equity capital | 4.17% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 21.04% |
| Multifamily (5+ residential) | 26.88% |
| Commercial and industrial | 7.58% |
| Consumer | 0.96% |
| Credit cards | 0.00% |
| Farm | 1.54% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 1.36% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 173.91% |
| Construction concentration (Tier 1 capital + allowance) | 40.73% |
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 | 6.51% |
| Interest income on loans | $6.1M |
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 | $255.2M | $304.2M | 25.99% | 8.45% | 1.22% |
| Q4 2023 | $266.6M | $320.2M | 24.25% | 7.63% | 1.16% |
| Q1 2024 | $269.4M | $310.3M | 23.65% | 6.70% | 1.11% |
| Q2 2024 | $285.9M | $302.8M | 24.06% | 7.96% | 1.09% |
| Q3 2024 | $297.6M | $322.9M | 24.49% | 6.75% | 1.14% |
| Q4 2024 | $332.6M | $382.8M | 20.78% | 5.37% | 1.01% |
| Q1 2025 | $320.7M | $380.2M | 23.12% | 5.52% | 1.15% |
| Q2 2025 | $321.5M | $362.2M | 23.57% | 5.72% | 1.22% |
| Q3 2025 | $334.2M | $357.9M | 22.66% | 6.80% | 1.25% |
| Q4 2025 | $353.3M | $379.1M | 21.95% | 5.63% | 1.19% |
| Q1 2026 | $371.8M | $370.1M | 23.35% | 5.59% | 0.98% |
| Q2 2026 | $395.2M | $355.3M | 21.04% | 7.58% | 0.96% |
First Citizens State Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock First 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 First Citizens State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11228) · FFIEC NIC profile (RSSD 831642)