Bna 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.
CRE concentration (Tier 1 capital + allowance) dropped 4.97 percentage points in Q2 2026, from 167.84% to 162.87%. It was the largest change from Q1 2026 among the key lines here. Bna Bank ranks 27th of 57 Mississippi banks on loan-to-deposit ratio, in the upper half at 76.78% (Q2 2026). Bna Bank reported 76.78% on loan-to-deposit ratio for Q2 2026, 3.77 points below the 80.55% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $551.9M |
| Net loans and leases | $547.3M |
| Loans held for sale | $0 |
| Loans to total assets | 64.49% |
| Loan-to-deposit ratio | 76.78% |
| Net loans to equity capital | 5.81% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 26.77% |
| Multifamily (5+ residential) | 3.35% |
| Commercial and industrial | 3.96% |
| Consumer | 5.23% |
| Credit cards | 0.34% |
| Farm | 0.18% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 1.99% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 162.87% |
| Construction concentration (Tier 1 capital + allowance) | 45.73% |
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 | 7.22% |
| Interest income on loans | $9.9M |
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 | $445.1M | $679.4M | 30.85% | 4.18% | 5.33% |
| Q4 2023 | $445.0M | $676.7M | 30.85% | 4.15% | 5.23% |
| Q1 2024 | $448.9M | $691.1M | 31.20% | 4.06% | 5.34% |
| Q2 2024 | $456.5M | $672.6M | 31.02% | 3.92% | 4.92% |
| Q3 2024 | $450.6M | $676.2M | 30.89% | 4.01% | 5.21% |
| Q4 2024 | $454.1M | $679.9M | 31.32% | 3.78% | 4.90% |
| Q1 2025 | $467.5M | $695.4M | 30.76% | 3.97% | 4.99% |
| Q2 2025 | $481.5M | $712.5M | 29.26% | 3.54% | 5.23% |
| Q3 2025 | $511.5M | $692.0M | 28.15% | 3.64% | 5.42% |
| Q4 2025 | $541.8M | $697.5M | 26.82% | 3.96% | 5.40% |
| Q1 2026 | $544.2M | $714.6M | 26.55% | 3.97% | 5.32% |
| Q2 2026 | $551.9M | $718.7M | 26.77% | 3.96% | 5.23% |
Bna Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Bna 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 Bna Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 19448) · FFIEC NIC profile (RSSD 916745)