Bank of Tennessee: 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): 21.21 percentage points higher than in Q1 2026, at 389.34%. Bank of Tennessee ranks 11th of 109 Tennessee banks on loan-to-deposit ratio, in the upper half at 100.84% (Q2 2026). Bank of Tennessee reported 100.84% on loan-to-deposit ratio for Q2 2026, 12.64 points above the 88.20% median for banks in the $1B-10B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $1.82B |
| Net loans and leases | $1.80B |
| Loans held for sale | $6.1M |
| Loans to total assets | 80.82% |
| Loan-to-deposit ratio | 100.84% |
| Net loans to equity capital | 9.11% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 40.95% |
| Multifamily (5+ residential) | 9.70% |
| Commercial and industrial | 10.07% |
| Consumer | 0.30% |
| Credit cards | 0.00% |
| Farm | 0.40% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.42% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 389.34% |
| Construction concentration (Tier 1 capital + allowance) | 79.83% |
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 | 6.37% |
| 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 | $1.48B | $1.57B | 35.55% | 11.62% | 0.44% |
| Q4 2023 | $1.51B | $1.62B | 35.28% | 11.61% | 0.42% |
| Q1 2024 | $1.51B | $1.69B | 35.89% | 11.40% | 0.42% |
| Q2 2024 | $1.56B | $1.63B | 36.36% | 11.27% | 0.43% |
| Q3 2024 | $1.55B | $1.65B | 36.54% | 10.39% | 0.43% |
| Q4 2024 | $1.57B | $1.73B | 36.30% | 10.29% | 0.40% |
| Q1 2025 | $1.57B | $1.77B | 36.69% | 10.87% | 0.40% |
| Q2 2025 | $1.57B | $1.77B | 38.17% | 11.09% | 0.38% |
| Q3 2025 | $1.58B | $1.84B | 38.44% | 10.57% | 0.37% |
| Q4 2025 | $1.64B | $1.82B | 39.98% | 10.30% | 0.36% |
| Q1 2026 | $1.71B | $1.85B | 39.83% | 10.19% | 0.32% |
| Q2 2026 | $1.82B | $1.80B | 40.95% | 10.07% | 0.30% |
Bank of Tennessee loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Tennessee, 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 Tennessee profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 21573) · FFIEC NIC profile (RSSD 340135)