BANK3: 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 Loans held for sale: 57.0% lower than in Q1 2026, at $771K. BANK3 ranks 25th of 109 Tennessee banks on loan-to-deposit ratio, in the upper half at 95.37% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.55% on loan-to-deposit ratio. BANK3 sits 14.82 points higher, at 95.37% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $413.7M |
| Net loans and leases | $409.3M |
| Loans held for sale | $771K |
| Loans to total assets | 84.13% |
| Loan-to-deposit ratio | 95.37% |
| Net loans to equity capital | 7.90% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 38.22% |
| Multifamily (5+ residential) | 1.02% |
| Commercial and industrial | 32.92% |
| Consumer | 0.53% |
| Credit cards | 0.00% |
| Farm | 1.14% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 209.59% |
| Construction concentration (Tier 1 capital + allowance) | 47.99% |
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 | 6.08% |
| Interest income on loans | $6.3M |
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 | $358.1M | $400.6M | 41.53% | 32.09% | 0.46% |
| Q4 2023 | $365.4M | $374.4M | 41.79% | 31.57% | 0.44% |
| Q1 2024 | $369.6M | $379.1M | 41.29% | 30.29% | 0.41% |
| Q2 2024 | $375.8M | $387.4M | 41.44% | 29.64% | 0.61% |
| Q3 2024 | $370.2M | $373.4M | 42.08% | 27.97% | 0.59% |
| Q4 2024 | $369.4M | $363.4M | 41.83% | 29.06% | 0.55% |
| Q1 2025 | $378.7M | $377.5M | 42.39% | 28.54% | 0.52% |
| Q2 2025 | $398.8M | $380.3M | 40.89% | 29.56% | 0.54% |
| Q3 2025 | $410.8M | $412.2M | 40.23% | 29.39% | 0.43% |
| Q4 2025 | $416.0M | $417.2M | 39.93% | 30.41% | 0.49% |
| Q1 2026 | $414.2M | $426.8M | 38.82% | 32.24% | 0.58% |
| Q2 2026 | $413.7M | $433.8M | 38.22% | 32.92% | 0.53% |
BANK3 loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock BANK3, 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 BANK3 profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15205) · FFIEC NIC profile (RSSD 502652)