Bank of Lincoln 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.
Cre concentration (tier 1 capital + allowance) climbed 3.88 percentage points in Q2 2026, from 175.90% to 179.79%. It was the largest change from Q1 2026 among the key lines here. Bank of Lincoln County ranks 37th of 109 Tennessee banks on loan-to-deposit ratio, in the upper half at 87.38% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.94% on loan-to-deposit ratio. Bank of Lincoln County sits 6.44 points higher, at 87.38% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $173.3M |
| Net loans and leases | $171.7M |
| Loans held for sale | $0 |
| Loans to total assets | 75.31% |
| Loan-to-deposit ratio | 87.38% |
| Net loans to equity capital | 5.80% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 28.56% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 7.71% |
| Consumer | 1.86% |
| Credit cards | 0.00% |
| Farm | 14.33% |
| Loans to depository institutions | 2.30% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 179.79% |
| Construction concentration (Tier 1 capital + allowance) | 72.91% |
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 | 7.89% |
| Interest income on loans | $3.4M |
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 | $154.7M | $173.3M | 32.15% | 6.38% | 2.87% |
| Q4 2023 | $151.3M | $189.7M | 29.40% | 6.55% | 2.94% |
| Q1 2024 | $154.4M | $182.6M | 27.94% | 6.03% | 2.73% |
| Q2 2024 | $158.1M | $183.7M | 27.45% | 5.90% | 2.63% |
| Q3 2024 | $165.2M | $186.7M | 25.87% | 5.75% | 2.35% |
| Q4 2024 | $169.6M | $190.9M | 25.96% | 5.51% | 2.20% |
| Q1 2025 | $173.5M | $192.5M | 28.67% | 5.39% | 2.11% |
| Q2 2025 | $172.6M | $193.0M | 29.75% | 5.06% | 2.19% |
| Q3 2025 | $167.0M | $193.6M | 29.47% | 4.29% | 2.35% |
| Q4 2025 | $164.6M | $191.0M | 30.04% | 4.85% | 2.06% |
| Q1 2026 | $175.6M | $201.5M | 28.35% | 7.35% | 1.88% |
| Q2 2026 | $173.3M | $198.3M | 28.56% | 7.71% | 1.86% |
Bank of Lincoln County loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Lincoln 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 Bank of Lincoln County profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57396) · FFIEC NIC profile (RSSD 3128923)