Bank of Dickson: 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 Loan-to-deposit ratio: 1.55 percentage points lower than in Q1 2026, at 66.09%. Within Tennessee, Bank of Dickson is 94th of 109 on loan-to-deposit ratio, 66.09% as of Q2 2026, below the middle of the field. Bank of Dickson reported 66.09% on loan-to-deposit ratio for Q2 2026, 14.75 points below the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $172.7M |
| Net loans and leases | $170.9M |
| Loans held for sale | $0 |
| Loans to total assets | 59.34% |
| Loan-to-deposit ratio | 66.09% |
| Net loans to equity capital | 6.01% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 9.85% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 5.12% |
| Consumer | 2.47% |
| Credit cards | 0.00% |
| Farm | 1.51% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 3.11% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 18.87% |
| Construction concentration (Tier 1 capital + allowance) | 17.84% |
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 | 5.71% |
| Interest income on loans | $2.4M |
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 | $172.4M | $246.9M | 7.58% | 5.25% | 3.05% |
| Q4 2023 | $169.4M | $247.4M | 7.44% | 5.69% | 3.22% |
| Q1 2024 | $168.3M | $253.5M | 7.33% | 5.74% | 3.30% |
| Q2 2024 | $169.0M | $251.3M | 7.32% | 5.78% | 2.88% |
| Q3 2024 | $171.3M | $255.4M | 7.30% | 6.15% | 2.66% |
| Q4 2024 | $172.2M | $247.6M | 7.15% | 6.49% | 2.63% |
| Q1 2025 | $171.4M | $257.5M | 7.22% | 6.33% | 2.10% |
| Q2 2025 | $171.6M | $254.7M | 7.74% | 6.74% | 2.18% |
| Q3 2025 | $173.6M | $259.6M | 8.61% | 6.76% | 2.78% |
| Q4 2025 | $174.2M | $249.1M | 8.97% | 7.03% | 2.88% |
| Q1 2026 | $172.5M | $255.1M | 9.62% | 6.02% | 2.55% |
| Q2 2026 | $172.7M | $261.3M | 9.85% | 5.12% | 2.47% |
Bank of Dickson loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Dickson, 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 Dickson profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17327) · FFIEC NIC profile (RSSD 638131)