Blueharbor 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): 5.42 percentage points lower than in Q1 2026, at 275.73%. Blueharbor Bank ranks 5th of 38 North Carolina banks on loan-to-deposit ratio, in the upper half at 97.44% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.55% on loan-to-deposit ratio. Blueharbor Bank sits 16.88 points higher, at 97.44% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $537.1M |
| Net loans and leases | $532.0M |
| Loans held for sale | $0 |
| Loans to total assets | 85.46% |
| Loan-to-deposit ratio | 97.44% |
| Net loans to equity capital | 7.64% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 40.81% |
| Multifamily (5+ residential) | 1.70% |
| Commercial and industrial | 9.33% |
| Consumer | 0.22% |
| Credit cards | 0.00% |
| Farm | 0.38% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.34% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 275.73% |
| Construction concentration (Tier 1 capital + allowance) | 86.43% |
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 | 6.30% |
| Interest income on loans | $8.4M |
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 | $345.6M | $376.6M | 42.33% | 9.67% | 1.02% |
| Q4 2023 | $356.8M | $374.8M | 42.34% | 9.48% | 0.50% |
| Q1 2024 | $371.6M | $396.5M | 40.59% | 10.37% | 0.49% |
| Q2 2024 | $391.3M | $404.4M | 39.61% | 9.68% | 0.61% |
| Q3 2024 | $404.5M | $424.4M | 39.99% | 8.80% | 0.56% |
| Q4 2024 | $432.8M | $440.7M | 41.82% | 9.80% | 0.47% |
| Q1 2025 | $435.0M | $457.5M | 42.20% | 10.11% | 0.35% |
| Q2 2025 | $462.1M | $468.1M | 41.37% | 9.67% | 0.32% |
| Q3 2025 | $496.0M | $497.7M | 42.19% | 10.14% | 0.28% |
| Q4 2025 | $521.7M | $533.6M | 42.19% | 9.48% | 0.26% |
| Q1 2026 | $530.6M | $549.6M | 41.23% | 9.31% | 0.23% |
| Q2 2026 | $537.1M | $551.2M | 40.81% | 9.33% | 0.22% |
Blueharbor Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Blueharbor 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 Blueharbor Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58691) · FFIEC NIC profile (RSSD 3636914)