Bank of Franklin: 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: 2.57 percentage points higher than in Q1 2026, at 78.56%. Bank of Franklin ranks 24th of 57 Mississippi banks on loan-to-deposit ratio, in the upper half at 78.56% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio; Bank of Franklin reported 78.56% for Q2 2026, nearly level with it.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $210.4M |
| Net loans and leases | $207.9M |
| Loans held for sale | $0 |
| Loans to total assets | 69.58% |
| Loan-to-deposit ratio | 78.56% |
| Net loans to equity capital | 6.36% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 28.28% |
| Multifamily (5+ residential) | 1.51% |
| Commercial and industrial | 8.91% |
| Consumer | 4.87% |
| Credit cards | 0.00% |
| Farm | 11.57% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 194.82% |
| Construction concentration (Tier 1 capital + allowance) | 49.22% |
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 | 7.35% |
| Interest income on loans | $3.8M |
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 | $152.2M | $203.0M | 27.08% | 12.50% | 4.82% |
| Q4 2023 | $156.8M | $198.8M | 27.20% | 12.58% | 5.21% |
| Q1 2024 | $159.2M | $205.4M | 28.35% | 12.16% | 5.16% |
| Q2 2024 | $159.2M | $207.7M | 28.92% | 11.23% | 5.38% |
| Q3 2024 | $161.9M | $206.3M | 29.35% | 10.84% | 5.35% |
| Q4 2024 | $168.2M | $206.3M | 29.98% | 10.78% | 5.21% |
| Q1 2025 | $170.8M | $214.3M | 28.03% | 11.04% | 5.36% |
| Q2 2025 | $178.7M | $219.2M | 30.70% | 10.74% | 4.76% |
| Q3 2025 | $184.2M | $211.1M | 30.87% | 10.05% | 4.55% |
| Q4 2025 | $191.1M | $212.7M | 30.41% | 9.64% | 4.58% |
| Q1 2026 | $204.9M | $269.7M | 28.56% | 9.07% | 4.66% |
| Q2 2026 | $210.4M | $267.8M | 28.28% | 8.91% | 4.87% |
Bank of Franklin loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Franklin, 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 Franklin profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10594) · FFIEC NIC profile (RSSD 68831)