Bank of Perry 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.
The standout move of Q2 2026 was in CRE concentration (Tier 1 capital + allowance): 9.71 percentage points higher than in Q1 2026, at 94.85%. Bank of Perry County ranks 31st of 109 Tennessee banks on loan-to-deposit ratio, in the upper half at 92.46% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Bank of Perry County sits 11.63 points higher, at 92.46% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $207.4M |
| Net loans and leases | $205.3M |
| Loans held for sale | $0 |
| Loans to total assets | 81.94% |
| Loan-to-deposit ratio | 92.46% |
| Net loans to equity capital | 8.92% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 16.43% |
| Multifamily (5+ residential) | 0.46% |
| Commercial and industrial | 4.78% |
| Consumer | 17.04% |
| Credit cards | 0.00% |
| Farm | 5.70% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.07% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 94.85% |
| Construction concentration (Tier 1 capital + allowance) | 41.76% |
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 | 6.99% |
| Interest income on loans | $3.6M |
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 | $182.8M | $193.9M | 16.64% | 5.92% | 15.17% |
| Q4 2023 | $183.4M | $198.0M | 16.94% | 5.09% | 15.23% |
| Q1 2024 | $181.3M | $195.7M | 17.39% | 4.81% | 15.17% |
| Q2 2024 | $187.1M | $196.6M | 16.72% | 4.83% | 16.76% |
| Q3 2024 | $188.7M | $202.9M | 16.65% | 4.26% | 15.77% |
| Q4 2024 | $190.2M | $204.4M | 16.05% | 4.51% | 15.82% |
| Q1 2025 | $192.6M | $207.5M | 16.60% | 4.77% | 15.63% |
| Q2 2025 | $193.3M | $210.4M | 16.39% | 5.61% | 15.75% |
| Q3 2025 | $196.8M | $214.8M | 16.13% | 5.44% | 16.86% |
| Q4 2025 | $198.1M | $214.5M | 16.21% | 5.32% | 16.45% |
| Q1 2026 | $200.3M | $221.0M | 16.52% | 5.14% | 16.91% |
| Q2 2026 | $207.4M | $224.3M | 16.43% | 4.78% | 17.04% |
Bank of Perry County loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Perry 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 Perry County profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1713) · FFIEC NIC profile (RSSD 284239)