The Bank of Fayette County: 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) dropped 3.21 percentage points in Q2 2026, from 92.13% to 88.91%. It was the largest change from Q1 2026 among the key lines here. Within Tennessee, The Bank of Fayette County is 28th of 109 on loan-to-deposit ratio, 94.59% as of Q2 2026, above the middle of the field. The Bank of Fayette County reported 94.59% on loan-to-deposit ratio for Q2 2026, 6.39 points above the 88.20% median for banks in the $1B-10B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $934.3M |
| Net loans and leases | $923.5M |
| Loans held for sale | $595K |
| Loans to total assets | 81.96% |
| Loan-to-deposit ratio | 94.59% |
| Net loans to equity capital | 8.90% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 20.22% |
| Multifamily (5+ residential) | 0.65% |
| Commercial and industrial | 6.59% |
| Consumer | 4.73% |
| Credit cards | 0.00% |
| Farm | 8.82% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.19% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 132.12% |
| Construction concentration (Tier 1 capital + allowance) | 88.91% |
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 | — |
| Interest income on loans | $16.3M |
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 | $736.9M | $733.2M | 15.65% | 7.43% | 7.72% |
| Q4 2023 | $749.7M | $749.4M | 15.91% | 7.31% | 7.42% |
| Q1 2024 | $764.5M | $772.6M | 16.00% | 7.10% | 7.15% |
| Q2 2024 | $780.8M | $787.6M | 16.19% | 7.03% | 6.83% |
| Q3 2024 | $802.5M | $827.8M | 17.00% | 7.02% | 6.37% |
| Q4 2024 | $818.2M | $851.8M | 17.50% | 6.82% | 6.00% |
| Q1 2025 | $835.7M | $878.9M | 17.73% | 6.21% | 5.59% |
| Q2 2025 | $871.6M | $912.5M | 18.33% | 6.30% | 5.22% |
| Q3 2025 | $884.3M | $928.5M | 18.85% | 6.13% | 5.03% |
| Q4 2025 | $898.4M | $947.1M | 19.31% | 6.66% | 4.93% |
| Q1 2026 | $919.2M | $969.9M | 19.46% | 6.58% | 4.77% |
| Q2 2026 | $934.3M | $987.7M | 20.22% | 6.59% | 4.73% |
The Bank of Fayette County loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The Bank of Fayette County, 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 Fayette County profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10308) · FFIEC NIC profile (RSSD 466754)