BankFirst Financial Services: 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: 53.2% higher than in Q1 2026, at $7.9M. Within Mississippi, BankFirst Financial Services is 19th of 57 on loan-to-deposit ratio, 80.34% as of Q2 2026, above the middle of the field. BankFirst Financial Services reported 80.34% on loan-to-deposit ratio for Q2 2026, 7.87 points below the 88.20% median for banks in the $1B-10B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $2.28B |
| Net loans and leases | $2.25B |
| Loans held for sale | $7.9M |
| Loans to total assets | 68.88% |
| Loan-to-deposit ratio | 80.34% |
| Net loans to equity capital | 5.11% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 32.31% |
| Multifamily (5+ residential) | 6.93% |
| Commercial and industrial | 8.75% |
| Consumer | 1.37% |
| Credit cards | 0.00% |
| Farm | 4.41% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 1.90% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 202.29% |
| Construction concentration (Tier 1 capital + allowance) | 57.09% |
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 | 6.44% |
| Interest income on loans | $36.4M |
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 | $1.78B | $2.36B | 36.37% | 9.05% | 1.61% |
| Q4 2023 | $1.81B | $2.36B | 35.69% | 9.04% | 1.54% |
| Q1 2024 | $1.81B | $2.33B | 36.60% | 8.84% | 1.49% |
| Q2 2024 | $1.84B | $2.32B | 35.62% | 8.59% | 1.39% |
| Q3 2024 | $1.84B | $2.36B | 35.32% | 8.30% | 1.38% |
| Q4 2024 | $1.85B | $2.36B | 35.29% | 7.96% | 1.33% |
| Q1 2025 | $1.82B | $2.41B | 34.65% | 7.82% | 1.28% |
| Q2 2025 | $1.84B | $2.38B | 34.79% | 7.78% | 1.26% |
| Q3 2025 | $2.20B | $2.86B | 33.32% | 7.97% | 1.77% |
| Q4 2025 | $2.20B | $2.80B | 32.96% | 8.20% | 1.60% |
| Q1 2026 | $2.24B | $2.86B | 32.39% | 8.48% | 1.49% |
| Q2 2026 | $2.28B | $2.83B | 32.31% | 8.75% | 1.37% |
BankFirst Financial Services loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock BankFirst Financial Services, 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 BankFirst Financial Services profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8870) · FFIEC NIC profile (RSSD 914648)