Bank of Crockett: 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): 5.24 percentage points lower than in Q1 2026, at 31.14%. Bank of Crockett ranks 71st of 109 Tennessee banks on loan-to-deposit ratio, in the lower half at 77.30% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.94% on loan-to-deposit ratio. Bank of Crockett sits 3.65 points lower, at 77.30% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $205.8M |
| Net loans and leases | $202.9M |
| Loans held for sale | $0 |
| Loans to total assets | 68.83% |
| Loan-to-deposit ratio | 77.30% |
| Net loans to equity capital | 6.79% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 1.49% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 18.13% |
| Consumer | 5.97% |
| Credit cards | 0.00% |
| Farm | 28.69% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.35% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 31.14% |
| Construction concentration (Tier 1 capital + allowance) | 25.49% |
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 | 6.80% |
| Interest income on loans | $3.4M |
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 | $148.3M | $240.2M | 3.04% | 17.78% | 8.44% |
| Q4 2023 | $138.4M | $257.0M | 2.97% | 18.45% | 9.28% |
| Q1 2024 | $146.4M | $251.9M | 2.77% | 17.87% | 8.65% |
| Q2 2024 | $157.6M | $247.8M | 2.52% | 17.84% | 8.15% |
| Q3 2024 | $167.9M | $248.4M | 1.93% | 18.07% | 7.63% |
| Q4 2024 | $164.0M | $248.1M | 2.03% | 17.88% | 7.88% |
| Q1 2025 | $172.6M | $256.2M | 1.86% | 17.77% | 6.98% |
| Q2 2025 | $182.7M | $253.5M | 1.71% | 17.50% | 7.61% |
| Q3 2025 | $189.1M | $259.9M | 1.65% | 17.38% | 7.05% |
| Q4 2025 | $185.6M | $257.8M | 1.65% | 19.39% | 6.91% |
| Q1 2026 | $194.5M | $269.4M | 1.59% | 17.70% | 6.43% |
| Q2 2026 | $205.8M | $266.3M | 1.49% | 18.13% | 5.97% |
Bank of Crockett loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Crockett, 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 Crockett profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1468) · FFIEC NIC profile (RSSD 324854)