Bank of the Lowcountry: 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: 6.82 percentage points higher than in Q1 2026, at 89.42%. Bank of the Lowcountry ranks 12th of 44 South Carolina banks on loan-to-deposit ratio, in the upper half at 89.42% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Bank of the Lowcountry sits 8.58 points higher, at 89.42% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $326.4M |
| Net loans and leases | $323.3M |
| Loans held for sale | $0 |
| Loans to total assets | 75.86% |
| Loan-to-deposit ratio | 89.42% |
| Net loans to equity capital | 9.90% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 32.40% |
| Multifamily (5+ residential) | 4.34% |
| Commercial and industrial | 12.09% |
| Consumer | 3.15% |
| Credit cards | 0.00% |
| Farm | 2.16% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 256.91% |
| Construction concentration (Tier 1 capital + allowance) | 85.59% |
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 | 6.71% |
| Interest income on loans | $5.3M |
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 | $215.0M | $309.6M | 30.81% | 13.08% | 3.90% |
| Q4 2023 | $223.1M | $329.8M | 33.69% | 12.25% | 4.01% |
| Q1 2024 | $231.6M | $347.2M | 32.51% | 12.42% | 4.11% |
| Q2 2024 | $243.7M | $338.6M | 31.97% | 12.38% | 4.14% |
| Q3 2024 | $257.1M | $357.2M | 32.28% | 11.76% | 4.28% |
| Q4 2024 | $270.6M | $324.0M | 31.23% | 12.10% | 3.89% |
| Q1 2025 | $276.9M | $347.1M | 30.30% | 12.41% | 3.71% |
| Q2 2025 | $286.4M | $345.6M | 29.90% | 11.78% | 3.57% |
| Q3 2025 | $297.6M | $352.7M | 30.57% | 12.10% | 3.57% |
| Q4 2025 | $299.6M | $347.5M | 30.96% | 11.76% | 3.46% |
| Q1 2026 | $311.3M | $376.9M | 31.28% | 12.34% | 3.45% |
| Q2 2026 | $326.4M | $365.0M | 32.40% | 12.09% | 3.15% |
Bank of the Lowcountry loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of the Lowcountry, 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 the Lowcountry profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 27496) · FFIEC NIC profile (RSSD 1404481)