Bank Independent: 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.
Loans held for sale climbed 81.3% in Q2 2026, from $2.0M to $3.5M. It was the largest change from Q1 2026 among the key lines here. Bank Independent ranks 33rd of 93 Alabama banks on loan-to-deposit ratio, in the upper half at 75.42% (Q2 2026). Bank Independent reported 75.42% on loan-to-deposit ratio for Q2 2026, 12.78 points below the 88.20% median for banks in the $1B-10B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $1.86B |
| Net loans and leases | $1.83B |
| Loans held for sale | $3.5M |
| Loans to total assets | 65.02% |
| Loan-to-deposit ratio | 75.42% |
| Net loans to equity capital | 6.28% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 36.23% |
| Multifamily (5+ residential) | 8.36% |
| Commercial and industrial | 22.82% |
| Consumer | 1.25% |
| Credit cards | 0.08% |
| Farm | 0.63% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.08% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 242.96% |
| Construction concentration (Tier 1 capital + allowance) | 60.64% |
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 | $29.2M |
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 | $1.78B | $2.15B | 31.90% | 23.49% | 1.28% |
| Q4 2023 | $1.77B | $2.27B | 31.73% | 21.71% | 1.25% |
| Q1 2024 | $1.81B | $2.33B | 31.92% | 22.40% | 1.21% |
| Q2 2024 | $1.81B | $2.31B | 32.33% | 21.74% | 1.21% |
| Q3 2024 | $1.88B | $2.33B | 31.44% | 22.40% | 1.15% |
| Q4 2024 | $1.84B | $2.41B | 34.67% | 21.23% | 1.20% |
| Q1 2025 | $1.87B | $2.39B | 33.90% | 21.86% | 1.15% |
| Q2 2025 | $1.85B | $2.38B | 33.77% | 22.04% | 1.28% |
| Q3 2025 | $1.84B | $2.47B | 34.60% | 22.17% | 1.29% |
| Q4 2025 | $1.81B | $2.62B | 34.62% | 22.37% | 1.29% |
| Q1 2026 | $1.84B | $2.56B | 34.76% | 23.18% | 1.22% |
| Q2 2026 | $1.86B | $2.47B | 36.23% | 22.82% | 1.25% |
Bank Independent loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank Independent, 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 Bank Independent profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16604) · FFIEC NIC profile (RSSD 539032)