Applied 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.
Commercial real estate (nonfarm nonresidential) dropped 6.10 percentage points in Q2 2026, from 69.30% to 63.21%. It was the largest change from Q1 2026 among the key lines here. Within Delaware, Applied Bank is 11th of 16 on loan-to-deposit ratio, 24.33% as of Q2 2026. Applied Bank's loan-to-deposit ratio of 24.33% is well below the 80.55% median for banks in the $100M-1B asset tier, a gap of 56.23 points (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $55.6M |
| Net loans and leases | $55.3M |
| Loans held for sale | $0 |
| Loans to total assets | 20.29% |
| Loan-to-deposit ratio | 24.33% |
| Net loans to equity capital | 1.24% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 63.21% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 0.75% |
| Consumer | 0.02% |
| Credit cards | 0.02% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 98.38% |
| Construction concentration (Tier 1 capital + allowance) | 26.83% |
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 | 6.16% |
| Interest income on loans | $889K |
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 | $47.0M | $159.5M | 65.63% | 0.00% | 0.04% |
| Q4 2023 | $47.9M | $178.1M | 63.88% | 1.04% | 0.04% |
| Q1 2024 | $47.6M | $170.8M | 64.17% | 1.03% | 0.04% |
| Q2 2024 | $52.5M | $172.6M | 61.98% | 0.92% | 0.02% |
| Q3 2024 | $50.7M | $230.3M | 64.78% | 0.94% | 0.02% |
| Q4 2024 | $57.6M | $218.0M | 69.43% | 0.82% | 0.02% |
| Q1 2025 | $57.9M | $233.5M | 68.54% | 0.80% | 0.02% |
| Q2 2025 | $54.8M | $227.5M | 71.29% | 0.83% | 0.03% |
| Q3 2025 | $54.1M | $217.8M | 72.29% | 0.82% | 0.03% |
| Q4 2025 | $55.3M | $220.8M | 69.49% | 0.79% | 0.03% |
| Q1 2026 | $55.1M | $214.4M | 69.30% | 0.78% | 0.02% |
| Q2 2026 | $55.6M | $228.6M | 63.21% | 0.75% | 0.02% |
Applied Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Applied 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 Applied Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34193) · FFIEC NIC profile (RSSD 2467670)