Bank47: 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.
Cre concentration (tier 1 capital + allowance) dropped 16.40 percentage points in Q2 2026, from 153.82% to 137.42%. It was the largest change from Q1 2026 among the key lines here. Within Alabama, Bank47 is 37th of 93 on loan-to-deposit ratio, 74.31% as of Q2 2026, above the middle of the field. The median for banks in the < $100M asset tier is 67.62% on loan-to-deposit ratio. Bank47 sits 6.69 points higher, at 74.31% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $65.1M |
| Net loans and leases | $63.6M |
| Loans held for sale | $0 |
| Loans to total assets | 67.18% |
| Loan-to-deposit ratio | 74.31% |
| Net loans to equity capital | 7.68% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 28.89% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 21.26% |
| Consumer | 13.11% |
| Credit cards | 0.00% |
| Farm | 4.16% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.62% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 137.42% |
| Construction concentration (Tier 1 capital + allowance) | 24.77% |
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 | 6.52% |
| Interest income on loans | $936K |
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 | $17.8M | $48.7M | 22.65% | 18.51% | 24.95% |
| Q4 2023 | $17.4M | $49.0M | 22.09% | 17.48% | 25.46% |
| Q1 2024 | $17.4M | $51.5M | 23.15% | 16.63% | 25.48% |
| Q2 2024 | $16.4M | $50.7M | 25.66% | 12.20% | 25.46% |
| Q3 2024 | $26.4M | $59.3M | 22.92% | 7.55% | 45.03% |
| Q4 2024 | $27.3M | $64.2M | 24.73% | 8.71% | 43.46% |
| Q1 2025 | $30.7M | $61.8M | 24.21% | 8.03% | 40.99% |
| Q2 2025 | $39.0M | $60.5M | 25.05% | 18.52% | 24.03% |
| Q3 2025 | $38.3M | $69.9M | 22.62% | 20.51% | 23.58% |
| Q4 2025 | $42.5M | $74.5M | 24.92% | 22.93% | 20.67% |
| Q1 2026 | $51.7M | $78.7M | 27.30% | 22.30% | 16.65% |
| Q2 2026 | $65.1M | $87.7M | 28.89% | 21.26% | 13.11% |
Bank47 loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank47, 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 Bank47 profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 32968) · FFIEC NIC profile (RSSD 1474309)