Bank of Clarke: 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.
Construction concentration (tier 1 capital + allowance) climbed 4.81 percentage points in Q2 2026, from 29.48% to 34.29%. It was the largest change from Q1 2026 among the key lines here. Bank of Clarke ranks 13th of 56 Virginia banks on loan-to-deposit ratio, in the upper half at 93.90% (Q2 2026). Bank of Clarke reported 93.90% on loan-to-deposit ratio for Q2 2026, 5.70 points above the 88.20% median for banks in the $1B-10B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $1.51B |
| Net loans and leases | $1.49B |
| Loans held for sale | $6.0M |
| Loans to total assets | 81.50% |
| Loan-to-deposit ratio | 93.90% |
| Net loans to equity capital | 6.69% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 46.05% |
| Multifamily (5+ residential) | 2.22% |
| Commercial and industrial | 14.19% |
| Consumer | 5.94% |
| Credit cards | 0.09% |
| Farm | 0.74% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.43% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 195.53% |
| Construction concentration (Tier 1 capital + allowance) | 34.29% |
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 | 5.82% |
| Interest income on loans | $21.7M |
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 | $1.44B | $1.50B | 38.75% | 17.24% | 10.31% |
| Q4 2023 | $1.46B | $1.51B | 38.40% | 17.29% | 9.99% |
| Q1 2024 | $1.44B | $1.47B | 38.91% | 16.89% | 9.49% |
| Q2 2024 | $1.45B | $1.49B | 39.39% | 16.86% | 9.03% |
| Q3 2024 | $1.49B | $1.55B | 39.86% | 16.39% | 8.34% |
| Q4 2024 | $1.47B | $1.58B | 40.93% | 16.06% | 7.78% |
| Q1 2025 | $1.46B | $1.62B | 41.72% | 16.20% | 7.54% |
| Q2 2025 | $1.44B | $1.77B | 43.25% | 15.57% | 7.41% |
| Q3 2025 | $1.46B | $1.66B | 44.87% | 14.66% | 7.03% |
| Q4 2025 | $1.48B | $1.61B | 44.91% | 14.69% | 6.70% |
| Q1 2026 | $1.46B | $1.60B | 45.68% | 13.77% | 6.75% |
| Q2 2026 | $1.51B | $1.60B | 46.05% | 14.19% | 5.94% |
Bank of Clarke loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Clarke, 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 Clarke profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 6123) · FFIEC NIC profile (RSSD 753324)