Bank of Frankewing: 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): 2.66 percentage points lower than in Q1 2026, at 157.46%. Bank of Frankewing ranks 74th of 109 Tennessee banks on loan-to-deposit ratio, in the lower half at 76.97% (Q2 2026). Bank of Frankewing reported 76.97% on loan-to-deposit ratio for Q2 2026, 3.86 points below the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $280.6M |
| Net loans and leases | $275.8M |
| Loans held for sale | $0 |
| Loans to total assets | 67.93% |
| Loan-to-deposit ratio | 76.97% |
| Net loans to equity capital | 5.83% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 32.30% |
| Multifamily (5+ residential) | 0.16% |
| Commercial and industrial | 6.57% |
| Consumer | 3.63% |
| Credit cards | 0.00% |
| Farm | 9.85% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 1.17% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 157.46% |
| Construction concentration (Tier 1 capital + allowance) | 52.21% |
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 | 6.77% |
| Interest income on loans | $4.8M |
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 | $416.6M | $495.0M | 26.70% | 11.38% | 4.05% |
| Q4 2023 | $415.6M | $471.6M | 26.23% | 11.19% | 4.04% |
| Q1 2024 | $406.3M | $481.2M | 27.77% | 10.40% | 3.92% |
| Q2 2024 | $417.4M | $496.8M | 28.30% | 10.06% | 3.68% |
| Q3 2024 | $410.2M | $495.6M | 28.99% | 9.45% | 3.68% |
| Q4 2024 | $393.4M | $457.6M | 26.86% | 9.05% | 3.64% |
| Q1 2025 | $382.0M | $450.5M | 26.54% | 8.72% | 3.39% |
| Q2 2025 | $340.5M | $439.7M | 28.81% | 8.43% | 3.43% |
| Q3 2025 | $322.0M | $431.7M | 29.07% | 7.74% | 3.46% |
| Q4 2025 | $299.8M | $396.4M | 29.96% | 7.09% | 3.64% |
| Q1 2026 | $292.6M | $383.8M | 33.24% | 6.65% | 3.61% |
| Q2 2026 | $280.6M | $364.6M | 32.30% | 6.57% | 3.63% |
Bank of Frankewing loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Frankewing, 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 Frankewing profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1484) · FFIEC NIC profile (RSSD 166531)