Auburnbank: 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 Loan-to-deposit ratio: 3.81 percentage points lower than in Q1 2026, at 58.59%. Within Alabama, Auburnbank is 65th of 93 on loan-to-deposit ratio, 58.59% as of Q2 2026, below the middle of the field. The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. Auburnbank sits 29.61 points lower, at 58.59% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $580.3M |
| Net loans and leases | $573.7M |
| Loans held for sale | $716K |
| Loans to total assets | 53.48% |
| Loan-to-deposit ratio | 58.59% |
| Net loans to equity capital | 6.31% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 44.21% |
| Multifamily (5+ residential) | 10.62% |
| Commercial and industrial | 4.38% |
| Consumer | 1.71% |
| Credit cards | 0.00% |
| Farm | 0.43% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 8.53% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 273.27% |
| Construction concentration (Tier 1 capital + allowance) | 49.59% |
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 | 5.68% |
| Interest income on loans | $8.2M |
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 | $545.6M | $965.9M | 39.07% | 5.12% | 1.89% |
| Q4 2023 | $557.3M | $897.5M | 40.37% | 5.87% | 1.94% |
| Q1 2024 | $567.7M | $900.9M | 42.10% | 5.73% | 1.93% |
| Q2 2024 | $578.1M | $947.5M | 41.68% | 5.30% | 1.74% |
| Q3 2024 | $566.3M | $902.8M | 42.82% | 5.20% | 1.74% |
| Q4 2024 | $564.0M | $896.8M | 41.71% | 5.67% | 1.70% |
| Q1 2025 | $560.9M | $911.4M | 41.68% | 5.17% | 1.66% |
| Q2 2025 | $562.9M | $940.7M | 40.75% | 5.22% | 1.61% |
| Q3 2025 | $558.1M | $918.1M | 41.69% | 4.84% | 1.57% |
| Q4 2025 | $565.5M | $923.7M | 45.95% | 5.53% | 1.49% |
| Q1 2026 | $582.0M | $932.7M | 45.50% | 4.73% | 1.46% |
| Q2 2026 | $580.3M | $990.5M | 44.21% | 4.38% | 1.71% |
Auburnbank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Auburnbank, 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 Auburnbank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 35) · FFIEC NIC profile (RSSD 749635)