Bank of Bartlett: 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): 5.37 percentage points higher than in Q1 2026, at 82.06%. Bank of Bartlett ranks 58th of 109 Tennessee banks on loan-to-deposit ratio, in the lower half at 82.58% (Q2 2026). At 82.58%, Bank of Bartlett's loan-to-deposit ratio is close to the 80.84% median for banks in the $100M-1B asset tier (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $384.9M |
| Net loans and leases | $381.3M |
| Loans held for sale | $4.9M |
| Loans to total assets | 69.74% |
| Loan-to-deposit ratio | 82.58% |
| Net loans to equity capital | 9.63% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 15.43% |
| Multifamily (5+ residential) | 1.50% |
| Commercial and industrial | 5.61% |
| Consumer | 1.84% |
| Credit cards | 0.00% |
| 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) | 82.06% |
| Construction concentration (Tier 1 capital + allowance) | 31.65% |
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 | 6.38% |
| Interest income on loans | $6.2M |
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 | $342.5M | $442.0M | 14.07% | 7.04% | 2.83% |
| Q4 2023 | $354.6M | $444.8M | 14.20% | 7.52% | 2.69% |
| Q1 2024 | $355.6M | $447.0M | 13.66% | 7.73% | 2.71% |
| Q2 2024 | $366.5M | $449.8M | 13.34% | 8.37% | 2.56% |
| Q3 2024 | $375.8M | $442.7M | 13.69% | 6.83% | 2.47% |
| Q4 2024 | $382.1M | $445.4M | 14.45% | 5.66% | 2.39% |
| Q1 2025 | $386.9M | $456.8M | 14.61% | 5.14% | 2.19% |
| Q2 2025 | $392.7M | $462.5M | 14.81% | 5.21% | 2.01% |
| Q3 2025 | $392.7M | $464.3M | 14.43% | 4.74% | 1.95% |
| Q4 2025 | $389.3M | $459.0M | 15.23% | 5.54% | 1.96% |
| Q1 2026 | $385.4M | $466.8M | 15.47% | 5.73% | 1.89% |
| Q2 2026 | $384.9M | $466.1M | 15.43% | 5.61% | 1.84% |
Bank of Bartlett loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Bartlett, 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 of Bartlett profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 23123) · FFIEC NIC profile (RSSD 225559)