The Bank of Tampa: 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: 5.31 percentage points higher than in Q1 2026, at 76.69%. The Bank of Tampa ranks 41st of 81 Florida banks on loan-to-deposit ratio, in the lower half at 76.69% (Q2 2026). The Bank of Tampa reported 76.69% on loan-to-deposit ratio for Q2 2026, 11.52 points below the 88.20% median for banks in the $1B-10B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $2.08B |
| Net loans and leases | $2.05B |
| Loans held for sale | $687K |
| Loans to total assets | 68.69% |
| Loan-to-deposit ratio | 76.69% |
| Net loans to equity capital | 6.94% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 45.98% |
| Multifamily (5+ residential) | 3.66% |
| Commercial and industrial | 18.68% |
| Consumer | 2.50% |
| Credit cards | 0.10% |
| Farm | 0.55% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 156.82% |
| Construction concentration (Tier 1 capital + allowance) | 26.01% |
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 | 5.49% |
| Interest income on loans | $27.7M |
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 | $1.64B | $2.88B | 46.36% | 19.69% | 3.17% |
| Q4 2023 | $1.67B | $2.80B | 45.50% | 19.54% | 3.26% |
| Q1 2024 | $1.68B | $2.82B | 45.12% | 19.59% | 3.23% |
| Q2 2024 | $1.72B | $2.66B | 45.78% | 18.92% | 3.00% |
| Q3 2024 | $1.76B | $2.73B | 45.79% | 20.22% | 2.84% |
| Q4 2024 | $1.77B | $2.71B | 45.22% | 20.54% | 2.89% |
| Q1 2025 | $1.84B | $2.75B | 45.74% | 20.16% | 2.85% |
| Q2 2025 | $1.88B | $2.73B | 45.40% | 20.09% | 2.63% |
| Q3 2025 | $1.90B | $2.77B | 45.84% | 18.37% | 2.63% |
| Q4 2025 | $1.94B | $2.62B | 44.82% | 18.78% | 2.35% |
| Q1 2026 | $1.97B | $2.76B | 45.23% | 18.63% | 2.25% |
| Q2 2026 | $2.08B | $2.71B | 45.98% | 18.68% | 2.50% |
The Bank of Tampa loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The Bank of Tampa, 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 Tampa profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 21031) · FFIEC NIC profile (RSSD 273336)