Black Mountain Savings Bank, SSB: 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.
Loans to total assets climbed 1.77 percentage points in Q2 2026, from 63.89% to 65.66%. It was the largest change from Q1 2026 among the key lines here. Within North Carolina, Black Mountain Savings Bank, SSB is 28th of 38 on loan-to-deposit ratio, 74.86% as of Q2 2026, below the middle of the field. Black Mountain Savings Bank, SSB reported 74.86% on loan-to-deposit ratio for Q2 2026, 7.24 points above the 67.62% median for banks in the < $100M asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $28.2M |
| Net loans and leases | $28.2M |
| Loans held for sale | $0 |
| Loans to total assets | 65.66% |
| Loan-to-deposit ratio | 74.86% |
| Net loans to equity capital | 5.51% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 0.27% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 0.00% |
| Consumer | 0.15% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 12.33% |
| Construction concentration (Tier 1 capital + allowance) | 10.88% |
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 | $336K |
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 | $30.8M | $39.1M | 0.50% | 0.00% | 0.09% |
| Q4 2023 | $30.1M | $40.3M | 0.50% | 0.00% | 0.10% |
| Q1 2024 | $30.4M | $40.0M | 0.47% | 0.00% | 0.10% |
| Q2 2024 | $29.8M | $39.2M | 0.47% | 0.00% | 0.10% |
| Q3 2024 | $29.7M | $38.5M | 0.46% | 0.00% | 0.10% |
| Q4 2024 | $28.6M | $37.7M | 0.45% | 0.00% | 0.16% |
| Q1 2025 | $28.4M | $36.8M | 0.31% | 0.00% | 0.16% |
| Q2 2025 | $28.2M | $37.4M | 0.30% | 0.00% | 0.16% |
| Q3 2025 | $27.8M | $36.3M | 0.30% | 0.00% | 0.16% |
| Q4 2025 | $27.6M | $36.6M | 0.29% | 0.00% | 0.16% |
| Q1 2026 | $27.3M | $37.2M | 0.29% | 0.00% | 0.15% |
| Q2 2026 | $28.2M | $37.7M | 0.27% | 0.00% | 0.15% |
Black Mountain Savings Bank, SSB loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Black Mountain Savings Bank, SSB, 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 Black Mountain Savings Bank, SSB profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 27897) · FFIEC NIC profile (RSSD 444677)