Andrew Johnson 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 4.75 percentage points in Q2 2026, from 78.33% to 83.07%. It was the largest change from Q1 2026 among the key lines here. Andrew Johnson Bank ranks 56th of 109 Tennessee banks on loan-to-deposit ratio, in the lower half at 83.07% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio; Andrew Johnson Bank reported 83.07% for Q2 2026, nearly level with it.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $453.5M |
| Net loans and leases | $446.3M |
| Loans held for sale | $0 |
| Loans to total assets | 74.12% |
| Loan-to-deposit ratio | 83.07% |
| Net loans to equity capital | 7.18% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 26.67% |
| Multifamily (5+ residential) | 6.46% |
| Commercial and industrial | 2.39% |
| Consumer | 0.82% |
| Credit cards | 0.00% |
| Farm | 2.21% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 174.74% |
| Construction concentration (Tier 1 capital + allowance) | 80.22% |
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 | $7.6M |
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 | $396.1M | $483.8M | 30.61% | 3.68% | 1.26% |
| Q4 2023 | $404.4M | $500.7M | 29.37% | 3.59% | 1.40% |
| Q1 2024 | $407.1M | $525.1M | 29.05% | 3.89% | 1.16% |
| Q2 2024 | $416.5M | $523.5M | 28.79% | 4.22% | 1.18% |
| Q3 2024 | $422.1M | $530.4M | 30.13% | 4.25% | 1.38% |
| Q4 2024 | $425.0M | $520.9M | 29.99% | 4.43% | 0.97% |
| Q1 2025 | $429.7M | $541.2M | 28.49% | 4.32% | 0.83% |
| Q2 2025 | $441.7M | $546.2M | 27.95% | 3.40% | 0.83% |
| Q3 2025 | $445.3M | $555.7M | 27.55% | 3.03% | 0.83% |
| Q4 2025 | $445.4M | $551.1M | 26.29% | 3.14% | 0.89% |
| Q1 2026 | $440.5M | $562.5M | 25.68% | 3.27% | 0.82% |
| Q2 2026 | $453.5M | $545.9M | 26.67% | 2.39% | 0.82% |
Andrew Johnson Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Andrew Johnson 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 Andrew Johnson Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 22015) · FFIEC NIC profile (RSSD 361439)