Bankokolona: 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 CRE concentration (Tier 1 capital + allowance): 13.21 percentage points lower than in Q1 2026, at 123.16%. Within Mississippi, Bankokolona is 25th of 57 on loan-to-deposit ratio, 77.56% as of Q2 2026, above the middle of the field. Bankokolona reported 77.56% on loan-to-deposit ratio for Q2 2026, 3.27 points below the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $250.0M |
| Net loans and leases | $247.5M |
| Loans held for sale | $0 |
| Loans to total assets | 69.53% |
| Loan-to-deposit ratio | 77.56% |
| Net loans to equity capital | 7.52% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 19.39% |
| Multifamily (5+ residential) | 1.14% |
| Commercial and industrial | 14.49% |
| Consumer | 5.20% |
| Credit cards | 0.00% |
| Farm | 14.31% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.21% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 123.16% |
| Construction concentration (Tier 1 capital + allowance) | 15.67% |
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 | 7.08% |
| Interest income on loans | $4.4M |
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 | $205.6M | $284.3M | 15.43% | 12.66% | 6.69% |
| Q4 2023 | $210.3M | $287.3M | 13.86% | 13.73% | 6.52% |
| Q1 2024 | $219.2M | $295.0M | 15.41% | 14.38% | 6.25% |
| Q2 2024 | $225.2M | $286.8M | 16.67% | 14.82% | 6.10% |
| Q3 2024 | $227.5M | $296.1M | 17.35% | 13.48% | 5.61% |
| Q4 2024 | $227.7M | $300.2M | 18.59% | 12.48% | 6.26% |
| Q1 2025 | $229.9M | $312.1M | 18.67% | 13.43% | 5.74% |
| Q2 2025 | $239.3M | $311.9M | 18.72% | 15.31% | 5.41% |
| Q3 2025 | $240.9M | $309.4M | 18.97% | 14.00% | 5.41% |
| Q4 2025 | $239.8M | $309.9M | 19.57% | 13.86% | 5.37% |
| Q1 2026 | $246.1M | $313.1M | 20.13% | 14.85% | 5.11% |
| Q2 2026 | $250.0M | $322.3M | 19.39% | 14.49% | 5.20% |
Bankokolona loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Bankokolona, 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 Bankokolona profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5902) · FFIEC NIC profile (RSSD 919344)