American Bank of the Carolinas: 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): 19.70 percentage points higher than in Q1 2026, at 204.18%. American Bank of the Carolinas ranks 11th of 38 North Carolina banks on loan-to-deposit ratio, in the upper half at 91.53% (Q2 2026). American Bank of the Carolinas reported 91.53% on loan-to-deposit ratio for Q2 2026, 10.69 points above the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $168.2M |
| Net loans and leases | $166.6M |
| Loans held for sale | $0 |
| Loans to total assets | 78.59% |
| Loan-to-deposit ratio | 91.53% |
| Net loans to equity capital | 6.32% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 38.24% |
| Multifamily (5+ residential) | 3.36% |
| Commercial and industrial | 5.98% |
| Consumer | 0.90% |
| Credit cards | 0.00% |
| Farm | 12.39% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 204.18% |
| Construction concentration (Tier 1 capital + allowance) | 53.97% |
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 | 7.03% |
| Interest income on loans | $2.9M |
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 | $99.2M | $132.8M | 35.53% | 10.62% | 1.49% |
| Q4 2023 | $106.4M | $138.6M | 33.72% | 9.77% | 1.60% |
| Q1 2024 | $115.5M | $148.8M | 36.39% | 7.37% | 1.36% |
| Q2 2024 | $124.6M | $158.7M | 33.13% | 6.44% | 1.63% |
| Q3 2024 | $122.5M | $163.1M | 32.27% | 5.61% | 1.45% |
| Q4 2024 | $128.3M | $172.4M | 30.38% | 6.09% | 1.33% |
| Q1 2025 | $137.9M | $165.8M | 31.98% | 6.20% | 1.12% |
| Q2 2025 | $142.8M | $170.8M | 33.20% | 6.37% | 0.98% |
| Q3 2025 | $151.0M | $172.6M | 36.83% | 6.32% | 0.99% |
| Q4 2025 | $153.0M | $182.9M | 34.02% | 7.60% | 0.96% |
| Q1 2026 | $158.0M | $212.9M | 36.07% | 6.45% | 1.03% |
| Q2 2026 | $168.2M | $183.8M | 38.24% | 5.98% | 0.90% |
American Bank of the Carolinas loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock American Bank of the Carolinas, 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 American Bank of the Carolinas profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 59157) · FFIEC NIC profile (RSSD 5230790)