Benchmark Community Bank: 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): 23.33 percentage points lower than in Q1 2026, at 322.56%. Benchmark Community Bank ranks 21st of 56 Virginia banks on loan-to-deposit ratio, in the upper half at 89.57% (Q2 2026). The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio; Benchmark Community Bank reported 89.57% for Q2 2026, nearly level with it.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $1.14B |
| Net loans and leases | $1.13B |
| Loans held for sale | $353K |
| Loans to total assets | 80.79% |
| Loan-to-deposit ratio | 89.57% |
| Net loans to equity capital | 8.49% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 30.21% |
| Multifamily (5+ residential) | 3.32% |
| Commercial and industrial | 4.77% |
| Consumer | 1.21% |
| Credit cards | 0.10% |
| Farm | 1.16% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 1.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 322.56% |
| Construction concentration (Tier 1 capital + allowance) | 141.40% |
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 | 6.31% |
| Interest income on loans | $18.1M |
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 | $865.5M | $1.00B | 27.18% | 4.26% | 2.08% |
| Q4 2023 | $892.2M | $1.06B | 26.32% | 4.58% | 1.96% |
| Q1 2024 | $927.4M | $1.07B | 26.08% | 5.03% | 1.76% |
| Q2 2024 | $960.0M | $1.09B | 25.40% | 5.56% | 1.71% |
| Q3 2024 | $979.7M | $1.09B | 25.46% | 5.13% | 1.67% |
| Q4 2024 | $996.9M | $1.11B | 25.31% | 5.57% | 1.60% |
| Q1 2025 | $1.02B | $1.15B | 26.26% | 5.38% | 1.47% |
| Q2 2025 | $1.06B | $1.17B | 26.72% | 5.13% | 1.46% |
| Q3 2025 | $1.09B | $1.19B | 27.10% | 5.43% | 1.35% |
| Q4 2025 | $1.13B | $1.23B | 29.45% | 5.37% | 1.25% |
| Q1 2026 | $1.15B | $1.26B | 30.53% | 4.73% | 1.17% |
| Q2 2026 | $1.14B | $1.28B | 30.21% | 4.77% | 1.21% |
Benchmark Community Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Benchmark Community Bank, 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 Benchmark Community Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 20484) · FFIEC NIC profile (RSSD 94522)