Banksouth: 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 4.63 percentage points in Q2 2026, from 15.39% to 20.02%. It was the largest change from Q1 2026 among the key lines here. On loan-to-deposit ratio, Banksouth ranks 5th highest among the 93 banks headquartered in Alabama, at 101.67% (Q2 2026). Banksouth reported 101.67% on loan-to-deposit ratio for Q2 2026, 20.83 points above the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $181.4M |
| Net loans and leases | $178.6M |
| Loans held for sale | $0 |
| Loans to total assets | 81.90% |
| Loan-to-deposit ratio | 101.67% |
| Net loans to equity capital | 4.31% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 22.34% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 9.72% |
| Consumer | 0.72% |
| Credit cards | 0.00% |
| Farm | 0.48% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.61% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 61.68% |
| Construction concentration (Tier 1 capital + allowance) | 20.02% |
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 | — |
| Interest income on loans | $2.6M |
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 | $166.7M | $164.5M | 28.55% | 13.40% | 0.97% |
| Q4 2023 | $167.3M | $168.8M | 28.11% | 13.71% | 0.89% |
| Q1 2024 | $166.8M | $166.1M | 28.12% | 13.15% | 0.86% |
| Q2 2024 | $167.9M | $160.6M | 27.01% | 12.83% | 0.76% |
| Q3 2024 | $164.5M | $162.2M | 26.19% | 12.37% | 0.71% |
| Q4 2024 | $164.2M | $169.0M | 28.03% | 11.57% | 0.80% |
| Q1 2025 | $164.3M | $170.1M | 27.15% | 11.68% | 0.79% |
| Q2 2025 | $170.3M | $168.8M | 25.70% | 12.47% | 0.76% |
| Q3 2025 | $171.3M | $167.1M | 24.60% | 11.64% | 0.86% |
| Q4 2025 | $172.7M | $168.6M | 24.45% | 12.32% | 0.91% |
| Q1 2026 | $173.3M | $175.5M | 24.28% | 10.47% | 0.87% |
| Q2 2026 | $181.4M | $178.4M | 22.34% | 9.72% | 0.72% |
Banksouth loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Banksouth, 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 Banksouth profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 77) · FFIEC NIC profile (RSSD 194936)