Bank of Brewton: 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 Commercial and industrial: 4.88 percentage points higher than in Q1 2026, at 41.93%. On loan-to-deposit ratio, Bank of Brewton is 5th from the bottom among 93 Alabama banks, 37.66% (Q2 2026). Bank of Brewton reported 37.66% on loan-to-deposit ratio for Q2 2026, 29.97 points below the 67.62% median for banks in the < $100M asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $15.2M |
| Net loans and leases | $14.9M |
| Loans held for sale | $0 |
| Loans to total assets | 30.61% |
| Loan-to-deposit ratio | 37.66% |
| Net loans to equity capital | 1.62% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 18.84% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 41.93% |
| Consumer | 10.32% |
| Credit cards | 0.94% |
| Farm | 0.59% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 9.86% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 0.21% |
| Construction concentration (Tier 1 capital + allowance) | 0.21% |
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 | 7.76% |
| Interest income on loans | $287K |
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 | $19.6M | $41.3M | 26.57% | 47.31% | 4.31% |
| Q4 2023 | $19.3M | $42.2M | 31.66% | 10.13% | 28.07% |
| Q1 2024 | $18.8M | $38.5M | 19.24% | 37.21% | 14.39% |
| Q2 2024 | $18.5M | $37.8M | 19.16% | 34.15% | 14.07% |
| Q3 2024 | $18.5M | $36.4M | 20.43% | 31.90% | 13.34% |
| Q4 2024 | $17.7M | $36.1M | 21.07% | 26.16% | 18.61% |
| Q1 2025 | $17.4M | $38.2M | 20.99% | 31.12% | 19.44% |
| Q2 2025 | $18.6M | $38.9M | 19.42% | 35.64% | 19.10% |
| Q3 2025 | $17.1M | $39.1M | 12.00% | 39.13% | 24.45% |
| Q4 2025 | $18.2M | $37.7M | 16.08% | 38.02% | 21.27% |
| Q1 2026 | $14.2M | $41.6M | 20.43% | 37.05% | 9.80% |
| Q2 2026 | $15.2M | $40.3M | 18.84% | 41.93% | 10.32% |
Bank of Brewton loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Brewton, 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 Brewton profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5605) · FFIEC NIC profile (RSSD 351131)