The Bank of Holly Springs: 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.
Cre concentration (tier 1 capital + allowance) dropped 3.88 percentage points in Q2 2026, from 91.01% to 87.13%. It was the largest change from Q1 2026 among the key lines here. Within Mississippi, The Bank of Holly Springs is 8th of 57 on loan-to-deposit ratio, 87.72% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. The Bank of Holly Springs sits 6.88 points higher, at 87.72% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $430.5M |
| Net loans and leases | $423.5M |
| Loans held for sale | $0 |
| Loans to total assets | 73.27% |
| Loan-to-deposit ratio | 87.72% |
| Net loans to equity capital | 5.25% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 24.90% |
| Multifamily (5+ residential) | 0.50% |
| Commercial and industrial | 12.15% |
| Consumer | 8.55% |
| Credit cards | 0.15% |
| Farm | 3.06% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.01% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 87.13% |
| Construction concentration (Tier 1 capital + allowance) | 69.96% |
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 | 7.01% |
| Interest income on loans | $7.4M |
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 | $428.3M | $416.0M | 26.27% | 14.33% | 8.31% |
| Q4 2023 | $439.2M | $426.8M | 25.66% | 14.63% | 8.30% |
| Q1 2024 | $438.9M | $464.7M | 25.66% | 14.00% | 8.35% |
| Q2 2024 | $440.7M | $461.1M | 24.99% | 13.80% | 8.44% |
| Q3 2024 | $436.3M | $471.3M | 25.04% | 13.64% | 8.63% |
| Q4 2024 | $435.0M | $477.4M | 24.79% | 13.86% | 9.04% |
| Q1 2025 | $426.9M | $491.0M | 25.46% | 13.77% | 8.42% |
| Q2 2025 | $431.5M | $474.2M | 24.46% | 14.23% | 8.37% |
| Q3 2025 | $438.4M | $462.1M | 24.54% | 13.54% | 8.12% |
| Q4 2025 | $439.3M | $459.6M | 24.30% | 13.19% | 8.43% |
| Q1 2026 | $436.0M | $502.8M | 24.46% | 12.56% | 8.61% |
| Q2 2026 | $430.5M | $490.8M | 24.90% | 12.15% | 8.55% |
The Bank of Holly Springs loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The Bank of Holly Springs, 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 Holly Springs profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8232) · FFIEC NIC profile (RSSD 835743)