BankPlus: 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.
Construction concentration (Tier 1 capital + allowance) climbed 1.50 percentage points in Q2 2026, from 48.21% to 49.70%. It was the largest change from Q1 2026 among the key lines here. Within Mississippi, BankPlus is 11th of 57 on loan-to-deposit ratio, 87.28% as of Q2 2026. The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio; BankPlus reported 87.28% for Q2 2026, nearly level with it.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $6.41B |
| Net loans and leases | $6.34B |
| Loans held for sale | $11.6M |
| Loans to total assets | 76.57% |
| Loan-to-deposit ratio | 87.28% |
| Net loans to equity capital | 6.73% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 36.70% |
| Multifamily (5+ residential) | 7.19% |
| Commercial and industrial | 11.49% |
| Consumer | 1.71% |
| Credit cards | 0.02% |
| Farm | 5.19% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.10% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 217.01% |
| Construction concentration (Tier 1 capital + allowance) | 49.70% |
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 | 6.16% |
| Interest income on loans | $98.0M |
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 | $6.14B | $6.23B | 35.61% | 11.33% | 1.57% |
| Q4 2023 | $6.09B | $6.40B | 36.97% | 10.17% | 1.59% |
| Q1 2024 | $6.07B | $6.65B | 37.31% | 10.10% | 1.56% |
| Q2 2024 | $6.19B | $6.66B | 37.32% | 9.82% | 1.64% |
| Q3 2024 | $6.15B | $6.80B | 38.28% | 9.33% | 1.73% |
| Q4 2024 | $6.14B | $6.83B | 37.88% | 9.60% | 1.73% |
| Q1 2025 | $6.11B | $6.91B | 37.78% | 9.53% | 1.74% |
| Q2 2025 | $6.14B | $6.78B | 37.12% | 9.58% | 1.75% |
| Q3 2025 | $6.22B | $6.85B | 36.79% | 10.82% | 1.73% |
| Q4 2025 | $6.30B | $7.01B | 37.24% | 11.17% | 1.68% |
| Q1 2026 | $6.32B | $7.24B | 36.67% | 12.00% | 1.67% |
| Q2 2026 | $6.41B | $7.35B | 36.70% | 11.49% | 1.71% |
BankPlus loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock BankPlus, 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 BankPlus profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5903) · FFIEC NIC profile (RSSD 121642)