Bank of Travelers Rest: 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 Construction concentration (Tier 1 capital + allowance): 15.87 percentage points lower than in Q1 2026, at 46.41%. Bank of Travelers Rest ranks 32nd of 44 South Carolina banks on loan-to-deposit ratio, in the lower half at 64.80% (Q2 2026). The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. Bank of Travelers Rest sits 23.40 points lower, at 64.80% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $922.8M |
| Net loans and leases | $910.7M |
| Loans held for sale | $1.1M |
| Loans to total assets | 57.60% |
| Loan-to-deposit ratio | 64.80% |
| Net loans to equity capital | 6.19% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 45.76% |
| Multifamily (5+ residential) | 0.95% |
| Commercial and industrial | 7.93% |
| Consumer | 4.35% |
| Credit cards | 1.49% |
| Farm | 0.09% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 3.36% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 139.04% |
| Construction concentration (Tier 1 capital + allowance) | 46.41% |
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 | 5.99% |
| Interest income on loans | $13.7M |
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 | $743.4M | $1.22B | 44.58% | 7.49% | 5.64% |
| Q4 2023 | $761.0M | $1.23B | 44.40% | 7.07% | 5.67% |
| Q1 2024 | $780.2M | $1.28B | 44.32% | 7.31% | 5.62% |
| Q2 2024 | $799.4M | $1.29B | 44.00% | 7.72% | 5.52% |
| Q3 2024 | $817.4M | $1.28B | 43.51% | 7.95% | 5.31% |
| Q4 2024 | $850.4M | $1.36B | 41.22% | 8.78% | 4.99% |
| Q1 2025 | $864.7M | $1.39B | 41.30% | 7.85% | 4.88% |
| Q2 2025 | $878.4M | $1.37B | 43.33% | 7.96% | 4.85% |
| Q3 2025 | $901.4M | $1.39B | 44.02% | 8.08% | 4.63% |
| Q4 2025 | $902.3M | $1.40B | 44.49% | 8.17% | 4.62% |
| Q1 2026 | $914.9M | $1.43B | 44.99% | 8.33% | 4.36% |
| Q2 2026 | $922.8M | $1.42B | 45.76% | 7.93% | 4.35% |
Bank of Travelers Rest loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Travelers Rest, 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 Travelers Rest profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16389) · FFIEC NIC profile (RSSD 589523)