The Bank of Vernon: 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: 2.12 percentage points lower than in Q1 2026, at 89.05%. Within Alabama, The Bank of Vernon is 14th of 93 on loan-to-deposit ratio, 89.05% as of Q2 2026, above the middle of the field. The Bank of Vernon reported 89.05% on loan-to-deposit ratio for Q2 2026, 8.21 points above the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $332.7M |
| Net loans and leases | $327.9M |
| Loans held for sale | $0 |
| Loans to total assets | 74.71% |
| Loan-to-deposit ratio | 89.05% |
| Net loans to equity capital | 4.68% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 23.78% |
| Multifamily (5+ residential) | 1.40% |
| Commercial and industrial | 29.92% |
| Consumer | 3.60% |
| Credit cards | 0.42% |
| Farm | 9.06% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 1.07% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 35.73% |
| Construction concentration (Tier 1 capital + allowance) | 18.17% |
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 | 7.87% |
| Interest income on loans | $6.4M |
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 | $205.7M | $263.1M | 21.92% | 30.37% | 3.32% |
| Q4 2023 | $212.2M | $270.1M | 22.84% | 30.75% | 3.37% |
| Q1 2024 | $214.5M | $277.4M | 21.56% | 30.10% | 3.51% |
| Q2 2024 | $221.4M | $279.4M | 21.87% | 30.81% | 3.64% |
| Q3 2024 | $231.7M | $298.5M | 22.88% | 31.11% | 3.82% |
| Q4 2024 | $237.5M | $302.0M | 22.00% | 32.43% | 3.97% |
| Q1 2025 | $255.8M | $314.1M | 21.63% | 32.69% | 3.90% |
| Q2 2025 | $278.8M | $323.4M | 19.31% | 33.54% | 3.86% |
| Q3 2025 | $305.9M | $332.8M | 21.15% | 32.52% | 3.82% |
| Q4 2025 | $319.8M | $345.1M | 22.15% | 31.83% | 3.76% |
| Q1 2026 | $325.0M | $356.5M | 22.45% | 31.42% | 3.65% |
| Q2 2026 | $332.7M | $373.6M | 23.78% | 29.92% | 3.60% |
The Bank of Vernon loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The Bank of Vernon, 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 Vernon profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 51) · FFIEC NIC profile (RSSD 382537)