Bank of Moundville: 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 1.33 percentage points in Q2 2026, from 42.36% to 43.70%. It was the largest change from Q1 2026 among the key lines here. Bank of Moundville ranks 82nd of 93 Alabama banks on loan-to-deposit ratio, in the lower half at 45.96% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.94% on loan-to-deposit ratio. Bank of Moundville sits 34.99 points lower, at 45.96% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $58.7M |
| Net loans and leases | $58.2M |
| Loans held for sale | $0 |
| Loans to total assets | 40.63% |
| Loan-to-deposit ratio | 45.96% |
| Net loans to equity capital | 3.59% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 24.28% |
| Multifamily (5+ residential) | 0.93% |
| Commercial and industrial | 27.41% |
| Consumer | 8.33% |
| Credit cards | 0.00% |
| Farm | 1.83% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 43.70% |
| Construction concentration (Tier 1 capital + allowance) | 10.78% |
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 | 6.23% |
| Interest income on loans | $898K |
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 | $46.4M | $108.4M | 25.24% | 24.57% | 6.94% |
| Q4 2023 | $48.2M | $100.9M | 26.29% | 24.59% | 6.77% |
| Q1 2024 | $50.4M | $110.4M | 31.36% | 24.47% | 6.64% |
| Q2 2024 | $53.3M | $109.4M | 28.92% | 22.80% | 6.40% |
| Q3 2024 | $53.8M | $109.3M | 26.89% | 23.65% | 7.04% |
| Q4 2024 | $56.8M | $102.5M | 25.50% | 23.89% | 6.38% |
| Q1 2025 | $58.2M | $113.0M | 27.28% | 24.86% | 6.59% |
| Q2 2025 | $55.7M | $120.3M | 27.31% | 24.79% | 7.37% |
| Q3 2025 | $56.8M | $121.1M | 26.36% | 25.22% | 7.29% |
| Q4 2025 | $57.7M | $117.0M | 24.05% | 27.12% | 7.60% |
| Q1 2026 | $57.3M | $121.8M | 25.11% | 26.67% | 7.76% |
| Q2 2026 | $58.7M | $127.8M | 24.28% | 27.41% | 8.33% |
Bank of Moundville loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Moundville, 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 Moundville profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9057) · FFIEC NIC profile (RSSD 586335)