Brantley Bank & Trust Company: 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.
Loan-to-deposit ratio dropped 2.07 percentage points in Q2 2026, from 67.91% to 65.84%. It was the largest change from Q1 2026 among the key lines here. Brantley Bank & Trust Company ranks 54th of 93 Alabama banks on loan-to-deposit ratio, in the lower half at 65.84% (Q2 2026). Brantley Bank & Trust Company reported 65.84% on loan-to-deposit ratio for Q2 2026, 14.99 points below the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $76.3M |
| Net loans and leases | $75.4M |
| Loans held for sale | $0 |
| Loans to total assets | 60.15% |
| Loan-to-deposit ratio | 65.84% |
| Net loans to equity capital | 7.23% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 34.62% |
| Multifamily (5+ residential) | 1.74% |
| Commercial and industrial | 11.09% |
| Consumer | 7.60% |
| Credit cards | 0.00% |
| Farm | 4.92% |
| Loans to depository institutions | 0.66% |
| State and political subdivisions | 1.03% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 176.40% |
| Construction concentration (Tier 1 capital + allowance) | 96.01% |
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 | 8.87% |
| Interest income on loans | $1.7M |
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 | $62.5M | $96.5M | 36.69% | 11.14% | 4.27% |
| Q4 2023 | $65.1M | $99.5M | 41.78% | 10.37% | 4.04% |
| Q1 2024 | $66.6M | $98.1M | 41.98% | 9.57% | 4.20% |
| Q2 2024 | $70.3M | $98.3M | 39.99% | 9.13% | 4.16% |
| Q3 2024 | $72.5M | $100.7M | 41.70% | 8.75% | 5.33% |
| Q4 2024 | $74.4M | $99.7M | 38.75% | 11.13% | 5.28% |
| Q1 2025 | $73.5M | $109.3M | 39.57% | 11.75% | 6.06% |
| Q2 2025 | $75.0M | $112.7M | 41.52% | 11.11% | 6.12% |
| Q3 2025 | $71.6M | $105.9M | 37.70% | 11.08% | 7.11% |
| Q4 2025 | $75.1M | $105.4M | 36.95% | 11.66% | 8.27% |
| Q1 2026 | $75.8M | $111.7M | 34.66% | 12.11% | 7.31% |
| Q2 2026 | $76.3M | $115.9M | 34.62% | 11.09% | 7.60% |
Brantley Bank & Trust Company loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Brantley Bank & Trust Company, 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 Brantley Bank & Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16386) · FFIEC NIC profile (RSSD 411231)