The Bank of Milan: 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: 6.36 percentage points higher than in Q1 2026, at 69.31%. Within Tennessee, The Bank of Milan is 88th of 109 on loan-to-deposit ratio, 69.31% as of Q2 2026, below the middle of the field. The Bank of Milan reported 69.31% on loan-to-deposit ratio for Q2 2026, 11.53 points below the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $61.6M |
| Net loans and leases | $61.3M |
| Loans held for sale | $0 |
| Loans to total assets | 60.93% |
| Loan-to-deposit ratio | 69.31% |
| Net loans to equity capital | 8.18% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 28.06% |
| Multifamily (5+ residential) | 0.98% |
| Commercial and industrial | 9.49% |
| Consumer | 1.85% |
| Credit cards | 0.00% |
| Farm | 5.22% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.69% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 102.68% |
| Construction concentration (Tier 1 capital + allowance) | 11.87% |
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 | 6.19% |
| Interest income on loans | $928K |
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 | $57.3M | $90.9M | 32.56% | 10.60% | 1.36% |
| Q4 2023 | $56.3M | $93.4M | 32.53% | 10.07% | 1.51% |
| Q1 2024 | $55.3M | $91.8M | 32.72% | 9.51% | 1.32% |
| Q2 2024 | $56.2M | $90.3M | 31.85% | 9.33% | 1.94% |
| Q3 2024 | $57.3M | $91.1M | 31.10% | 10.51% | 1.59% |
| Q4 2024 | $56.4M | $98.4M | 31.23% | 10.49% | 1.65% |
| Q1 2025 | $57.2M | $102.7M | 30.53% | 9.30% | 1.71% |
| Q2 2025 | $56.5M | $101.8M | 30.45% | 8.72% | 1.90% |
| Q3 2025 | $57.5M | $104.2M | 30.57% | 8.46% | 1.62% |
| Q4 2025 | $55.0M | $98.5M | 31.70% | 9.81% | 1.73% |
| Q1 2026 | $57.9M | $91.9M | 29.76% | 9.51% | 1.84% |
| Q2 2026 | $61.6M | $88.9M | 28.06% | 9.49% | 1.85% |
The Bank of Milan loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The Bank of Milan, 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 Milan profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 33851) · FFIEC NIC profile (RSSD 2123930)