The Bank of Clarendon: 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 4.54 percentage points in Q2 2026, from 131.65% to 127.12%. It was the largest change from Q1 2026 among the key lines here. Within South Carolina, The Bank of Clarendon is 35th of 44 on loan-to-deposit ratio, 57.85% as of Q2 2026, below the middle of the field. The Bank of Clarendon reported 57.85% on loan-to-deposit ratio for Q2 2026, 22.99 points below the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $223.9M |
| Net loans and leases | $221.7M |
| Loans held for sale | $0 |
| Loans to total assets | 51.09% |
| Loan-to-deposit ratio | 57.85% |
| Net loans to equity capital | 4.64% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 39.33% |
| Multifamily (5+ residential) | 2.89% |
| Commercial and industrial | 10.73% |
| Consumer | 4.40% |
| Credit cards | 0.00% |
| Farm | 8.06% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 1.64% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 127.12% |
| Construction concentration (Tier 1 capital + allowance) | 19.49% |
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 | 6.26% |
| Interest income on loans | $3.5M |
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 | $188.4M | $328.7M | 40.16% | 14.73% | 5.00% |
| Q4 2023 | $190.8M | $339.0M | 39.41% | 13.82% | 5.08% |
| Q1 2024 | $189.8M | $343.7M | 39.42% | 12.36% | 4.96% |
| Q2 2024 | $190.4M | $345.2M | 40.00% | 12.38% | 4.73% |
| Q3 2024 | $194.2M | $350.9M | 40.37% | 10.39% | 4.74% |
| Q4 2024 | $196.4M | $367.2M | 39.65% | 11.40% | 4.73% |
| Q1 2025 | $198.2M | $373.0M | 39.30% | 11.53% | 4.85% |
| Q2 2025 | $202.6M | $371.7M | 37.52% | 11.14% | 4.92% |
| Q3 2025 | $205.6M | $372.4M | 36.65% | 10.86% | 4.76% |
| Q4 2025 | $214.4M | $392.6M | 38.90% | 10.29% | 4.77% |
| Q1 2026 | $222.0M | $405.4M | 39.46% | 10.41% | 4.38% |
| Q2 2026 | $223.9M | $387.0M | 39.33% | 10.73% | 4.40% |
The Bank of Clarendon loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The Bank of Clarendon, 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 Clarendon profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15671) · FFIEC NIC profile (RSSD 3720)