Bank of Brookhaven: 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.
Loan-to-deposit ratio climbed 2.19 percentage points in Q2 2026, from 62.29% to 64.48%. It was the largest change from Q1 2026 among the key lines here. Bank of Brookhaven ranks 43rd of 57 Mississippi banks on loan-to-deposit ratio, in the lower half at 64.48% (Q2 2026). Bank of Brookhaven reported 64.48% on loan-to-deposit ratio for Q2 2026, 16.36 points below the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $148.0M |
| Net loans and leases | $146.7M |
| Loans held for sale | $0 |
| Loans to total assets | 56.44% |
| Loan-to-deposit ratio | 64.48% |
| Net loans to equity capital | 5.12% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 44.54% |
| Multifamily (5+ residential) | 1.19% |
| Commercial and industrial | 11.13% |
| Consumer | 3.17% |
| Credit cards | 0.22% |
| Farm | 10.63% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 106.46% |
| Construction concentration (Tier 1 capital + allowance) | 4.97% |
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 | 6.84% |
| Interest income on loans | $2.5M |
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 | $112.4M | $203.0M | 33.04% | 13.50% | 4.19% |
| Q4 2023 | $116.9M | $192.8M | 31.98% | 11.95% | 4.30% |
| Q1 2024 | $119.5M | $212.3M | 32.02% | 11.59% | 3.89% |
| Q2 2024 | $130.9M | $204.8M | 37.36% | 10.94% | 3.28% |
| Q3 2024 | $133.0M | $201.4M | 39.96% | 9.57% | 3.17% |
| Q4 2024 | $133.4M | $205.0M | 38.88% | 10.46% | 3.72% |
| Q1 2025 | $134.6M | $226.2M | 40.32% | 10.58% | 3.40% |
| Q2 2025 | $134.8M | $216.7M | 39.07% | 10.68% | 3.87% |
| Q3 2025 | $134.4M | $210.6M | 44.18% | 10.69% | 3.48% |
| Q4 2025 | $139.4M | $209.7M | 44.26% | 11.16% | 3.32% |
| Q1 2026 | $146.4M | $235.1M | 43.90% | 11.28% | 3.16% |
| Q2 2026 | $148.0M | $229.5M | 44.54% | 11.13% | 3.17% |
Bank of Brookhaven loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Brookhaven, 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 Brookhaven profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 35439) · FFIEC NIC profile (RSSD 2877831)