Bank of Gleason: 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.
Loan-to-deposit ratio climbed 1.76 percentage points in Q2 2026, from 70.01% to 71.77%. It was the largest change from Q1 2026 among the key lines here. Bank of Gleason ranks 83rd of 109 Tennessee banks on loan-to-deposit ratio, in the lower half at 71.77% (Q2 2026). Bank of Gleason reported 71.77% on loan-to-deposit ratio for Q2 2026, 9.17 points below the 80.94% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $81.3M |
| Net loans and leases | $80.4M |
| Loans held for sale | $0 |
| Loans to total assets | 58.68% |
| Loan-to-deposit ratio | 71.77% |
| Net loans to equity capital | 3.29% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 8.07% |
| Multifamily (5+ residential) | 0.95% |
| Commercial and industrial | 19.85% |
| Consumer | 11.97% |
| Credit cards | 0.00% |
| Farm | 10.56% |
| Loans to depository institutions | 0.31% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 9.51% |
| Construction concentration (Tier 1 capital + allowance) | 6.94% |
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 | 7.68% |
| Interest income on loans | $1.5M |
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 | $64.8M | $101.7M | 8.51% | 23.36% | 15.29% |
| Q4 2023 | $65.5M | $105.2M | 7.77% | 22.87% | 15.03% |
| Q1 2024 | $66.2M | $104.2M | 7.61% | 23.63% | 14.64% |
| Q2 2024 | $67.3M | $103.5M | 7.38% | 22.77% | 14.74% |
| Q3 2024 | $67.1M | $103.7M | 6.78% | 21.57% | 14.50% |
| Q4 2024 | $68.8M | $101.8M | 8.08% | 21.37% | 14.02% |
| Q1 2025 | $71.0M | $103.9M | 8.23% | 21.80% | 13.08% |
| Q2 2025 | $71.8M | $106.8M | 8.15% | 21.83% | 13.30% |
| Q3 2025 | $72.5M | $110.7M | 8.59% | 21.26% | 13.42% |
| Q4 2025 | $74.5M | $109.8M | 8.32% | 21.72% | 12.89% |
| Q1 2026 | $77.2M | $110.2M | 8.53% | 20.81% | 12.46% |
| Q2 2026 | $81.3M | $113.2M | 8.07% | 19.85% | 11.97% |
Bank of Gleason loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Gleason, 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 Gleason profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 2379) · FFIEC NIC profile (RSSD 141958)