Banktennessee: 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) dropped 2.83 percentage points in Q2 2026, from 86.74% to 83.91%. It was the largest change from Q1 2026 among the key lines here. Within Tennessee, Banktennessee is 32nd of 109 on loan-to-deposit ratio, 91.87% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Banktennessee sits 11.03 points higher, at 91.87% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $503.9M |
| Net loans and leases | $497.4M |
| Loans held for sale | $0 |
| Loans to total assets | 79.94% |
| Loan-to-deposit ratio | 91.87% |
| Net loans to equity capital | 8.07% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 21.35% |
| Multifamily (5+ residential) | 5.18% |
| Commercial and industrial | 13.15% |
| Consumer | 1.44% |
| Credit cards | 0.00% |
| Farm | 2.23% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.24% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 235.46% |
| Construction concentration (Tier 1 capital + allowance) | 83.91% |
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 | 6.50% |
| Interest income on loans | $8.2M |
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 | $497.8M | $483.0M | 20.28% | 9.82% | 2.59% |
| Q4 2023 | $494.4M | $495.6M | 20.05% | 9.63% | 2.31% |
| Q1 2024 | $487.0M | $500.4M | 20.28% | 9.47% | 2.15% |
| Q2 2024 | $494.5M | $500.1M | 21.11% | 9.72% | 2.02% |
| Q3 2024 | $500.4M | $512.2M | 21.43% | 10.43% | 2.44% |
| Q4 2024 | $499.5M | $525.2M | 21.94% | 10.92% | 2.23% |
| Q1 2025 | $495.1M | $529.8M | 22.40% | 12.66% | 1.73% |
| Q2 2025 | $491.4M | $528.2M | 22.72% | 12.89% | 1.77% |
| Q3 2025 | $490.7M | $521.7M | 22.27% | 13.35% | 1.69% |
| Q4 2025 | $505.1M | $535.2M | 21.67% | 13.69% | 1.71% |
| Q1 2026 | $502.2M | $535.6M | 21.12% | 13.10% | 1.43% |
| Q2 2026 | $503.9M | $548.4M | 21.35% | 13.15% | 1.44% |
Banktennessee loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Banktennessee, 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 Banktennessee profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 29177) · FFIEC NIC profile (RSSD 831576)