Brannen 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 Construction concentration (Tier 1 capital + allowance): 5.03 percentage points higher than in Q1 2026, at 95.49%. Brannen Bank ranks 67th of 81 Florida banks on loan-to-deposit ratio, in the lower half at 54.10% (Q2 2026). Brannen Bank reported 54.10% on loan-to-deposit ratio for Q2 2026, 34.10 points below the 88.20% median for banks in the $1B-10B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $536.6M |
| Net loans and leases | $532.7M |
| Loans held for sale | $0 |
| Loans to total assets | 52.05% |
| Loan-to-deposit ratio | 54.10% |
| Net loans to equity capital | 14.40% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 13.56% |
| Multifamily (5+ residential) | 0.10% |
| Commercial and industrial | 1.10% |
| Consumer | 1.07% |
| Credit cards | 0.00% |
| Farm | 0.11% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.01% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 140.73% |
| Construction concentration (Tier 1 capital + allowance) | 95.49% |
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 | 6.33% |
| 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 | $396.0M | $842.8M | 15.90% | 1.64% | 1.88% |
| Q4 2023 | $405.1M | $903.2M | 16.87% | 1.58% | 1.89% |
| Q1 2024 | $424.1M | $879.8M | 16.26% | 1.54% | 1.88% |
| Q2 2024 | $437.0M | $883.5M | 15.87% | 1.61% | 1.83% |
| Q3 2024 | $457.5M | $869.4M | 15.94% | 1.49% | 1.75% |
| Q4 2024 | $469.1M | $933.3M | 15.58% | 1.21% | 1.68% |
| Q1 2025 | $487.8M | $930.4M | 15.00% | 1.14% | 1.60% |
| Q2 2025 | $499.6M | $959.6M | 14.43% | 1.09% | 1.39% |
| Q3 2025 | $504.7M | $932.8M | 13.90% | 1.16% | 0.95% |
| Q4 2025 | $518.9M | $1.04B | 13.84% | 1.09% | 0.92% |
| Q1 2026 | $524.4M | $983.1M | 13.90% | 1.11% | 1.04% |
| Q2 2026 | $536.6M | $991.9M | 13.56% | 1.10% | 1.07% |
Brannen Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Brannen 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 Brannen Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5676) · FFIEC NIC profile (RSSD 760331)