The Bank of Charlotte County: 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.
Cre concentration (tier 1 capital + allowance) dropped 4.83 percentage points in Q2 2026, from 52.16% to 47.33%. It was the largest change from Q1 2026 among the key lines here. Within Virginia, The Bank of Charlotte County is 42nd of 56 on loan-to-deposit ratio, 72.20% as of Q2 2026, below the middle of the field. The Bank of Charlotte County reported 72.20% on loan-to-deposit ratio for Q2 2026, 8.64 points below the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $140.4M |
| Net loans and leases | $138.7M |
| Loans held for sale | $0 |
| Loans to total assets | 63.03% |
| Loan-to-deposit ratio | 72.20% |
| Net loans to equity capital | 5.09% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 18.53% |
| Multifamily (5+ residential) | 1.36% |
| Commercial and industrial | 5.23% |
| Consumer | 2.39% |
| Credit cards | 0.29% |
| Farm | 17.93% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 47.33% |
| Construction concentration (Tier 1 capital + allowance) | 16.92% |
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 | 6.41% |
| Interest income on loans | $2.3M |
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 | $140.6M | $157.8M | 18.01% | 6.50% | 3.32% |
| Q4 2023 | $145.0M | $156.1M | 17.59% | 7.04% | 3.38% |
| Q1 2024 | $149.0M | $153.7M | 16.84% | 7.36% | 3.22% |
| Q2 2024 | $149.2M | $165.0M | 15.94% | 7.84% | 2.95% |
| Q3 2024 | $152.9M | $172.8M | 15.31% | 7.71% | 2.80% |
| Q4 2024 | $153.2M | $176.4M | 16.23% | 7.40% | 2.65% |
| Q1 2025 | $151.6M | $180.1M | 15.96% | 6.55% | 2.64% |
| Q2 2025 | $149.8M | $178.9M | 17.18% | 6.33% | 2.57% |
| Q3 2025 | $149.5M | $191.3M | 16.91% | 5.09% | 2.42% |
| Q4 2025 | $143.3M | $203.7M | 17.37% | 4.69% | 2.41% |
| Q1 2026 | $141.1M | $199.6M | 18.48% | 5.29% | 2.34% |
| Q2 2026 | $140.4M | $194.5M | 18.53% | 5.23% | 2.39% |
The Bank of Charlotte County loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The Bank of Charlotte County, 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 The Bank of Charlotte County profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14491) · FFIEC NIC profile (RSSD 667524)