Bankflorida: 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): 35.92 percentage points lower than in Q1 2026, at 83.12%. Within Florida, Bankflorida is 25th of 81 on loan-to-deposit ratio, 89.00% as of Q2 2026. The median for banks in the $100M-1B asset tier is 80.55% on loan-to-deposit ratio. Bankflorida sits 8.45 points higher, at 89.00% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $346.1M |
| Net loans and leases | $341.3M |
| Loans held for sale | $0 |
| Loans to total assets | 75.32% |
| Loan-to-deposit ratio | 89.00% |
| Net loans to equity capital | 6.22% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 58.38% |
| Multifamily (5+ residential) | 2.13% |
| Commercial and industrial | 10.97% |
| Consumer | 0.00% |
| Credit cards | 0.00% |
| Farm | 1.89% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.12% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 280.62% |
| Construction concentration (Tier 1 capital + allowance) | 83.12% |
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 | 6.63% |
| Interest income on loans | $5.8M |
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 | $238.4M | $265.5M | 47.98% | 15.55% | 0.00% |
| Q4 2023 | $244.9M | $262.5M | 47.16% | 15.94% | 0.00% |
| Q1 2024 | $246.1M | $310.0M | 49.47% | 12.96% | 0.00% |
| Q2 2024 | $264.6M | $283.7M | 52.18% | 14.54% | 0.00% |
| Q3 2024 | $274.9M | $299.0M | 51.31% | 12.69% | 0.00% |
| Q4 2024 | $289.7M | $303.4M | 50.01% | 12.22% | 0.00% |
| Q1 2025 | $289.8M | $344.6M | 52.42% | 12.61% | 0.00% |
| Q2 2025 | $299.9M | $349.6M | 52.32% | 11.97% | 0.00% |
| Q3 2025 | $310.5M | $341.6M | 49.06% | 12.46% | 0.00% |
| Q4 2025 | $334.9M | $369.6M | 52.05% | 11.46% | 0.00% |
| Q1 2026 | $341.7M | $366.9M | 51.41% | 11.06% | 0.00% |
| Q2 2026 | $346.1M | $388.9M | 58.38% | 10.97% | 0.00% |
Bankflorida loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Bankflorida, 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 Bankflorida profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58537) · FFIEC NIC profile (RSSD 3629484)