Bank of Commerce: 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 CRE concentration (Tier 1 capital + allowance): 5.59 percentage points lower than in Q1 2026, at 42.79%. Within Mississippi, Bank of Commerce is 39th of 57 on loan-to-deposit ratio, 65.73% as of Q2 2026, below the middle of the field. Bank of Commerce reported 65.73% on loan-to-deposit ratio for Q2 2026, 22.47 points below the 88.20% median for banks in the $1B-10B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $654.8M |
| Net loans and leases | $649.7M |
| Loans held for sale | $442K |
| Loans to total assets | 57.72% |
| Loan-to-deposit ratio | 65.73% |
| Net loans to equity capital | 4.95% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 13.85% |
| Multifamily (5+ residential) | 0.51% |
| Commercial and industrial | 10.53% |
| Consumer | 3.15% |
| Credit cards | 0.00% |
| Farm | 18.60% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 2.57% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 42.79% |
| Construction concentration (Tier 1 capital + allowance) | 20.97% |
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 | 6.64% |
| Interest income on loans | $10.6M |
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 | $456.6M | $743.1M | 16.11% | 13.51% | 3.95% |
| Q4 2023 | $498.8M | $793.8M | 14.98% | 12.61% | 4.53% |
| Q1 2024 | $515.0M | $848.8M | 14.95% | 12.35% | 4.19% |
| Q2 2024 | $528.0M | $819.8M | 15.45% | 11.64% | 3.96% |
| Q3 2024 | $522.6M | $818.5M | 15.95% | 10.85% | 3.51% |
| Q4 2024 | $512.0M | $849.5M | 15.88% | 11.08% | 3.41% |
| Q1 2025 | $535.7M | $869.9M | 18.08% | 11.10% | 3.02% |
| Q2 2025 | $532.3M | $858.0M | 14.48% | 10.80% | 2.90% |
| Q3 2025 | $544.0M | $856.7M | 14.25% | 10.75% | 2.62% |
| Q4 2025 | $602.1M | $990.5M | 14.76% | 11.70% | 3.12% |
| Q1 2026 | $628.0M | $1.03B | 14.93% | 11.03% | 3.31% |
| Q2 2026 | $654.8M | $996.2M | 13.85% | 10.53% | 3.15% |
Bank of Commerce loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Commerce, 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 Commerce profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9359) · FFIEC NIC profile (RSSD 99442)