Carroll Bank and Trust: 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.
Construction concentration (tier 1 capital + allowance) climbed 12.57 percentage points in Q2 2026, from 99.05% to 111.63%. It was the largest change from Q1 2026 among the key lines here. Within Tennessee, Carroll Bank and Trust is 57th of 109 on loan-to-deposit ratio, 82.82% as of Q2 2026, below the middle of the field. At 82.82%, Carroll Bank and Trust's loan-to-deposit ratio is close to the 80.84% median for banks in the $100M-1B asset tier (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $501.5M |
| Net loans and leases | $497.5M |
| Loans held for sale | $1.5M |
| Loans to total assets | 75.75% |
| Loan-to-deposit ratio | 82.82% |
| Net loans to equity capital | 9.91% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 16.51% |
| Multifamily (5+ residential) | 0.30% |
| Commercial and industrial | 7.82% |
| Consumer | 5.33% |
| Credit cards | 0.00% |
| Farm | 5.59% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.90% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 151.33% |
| Construction concentration (Tier 1 capital + allowance) | 111.63% |
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 | $8.6M |
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 | $362.7M | $414.0M | 14.80% | 12.35% | 6.63% |
| Q4 2023 | $368.7M | $451.8M | 15.26% | 12.12% | 6.54% |
| Q1 2024 | $374.2M | $456.0M | 15.41% | 11.53% | 6.41% |
| Q2 2024 | $387.3M | $452.9M | 15.34% | 10.93% | 6.71% |
| Q3 2024 | $402.2M | $471.8M | 14.47% | 10.19% | 6.54% |
| Q4 2024 | $408.4M | $503.8M | 14.05% | 10.11% | 6.31% |
| Q1 2025 | $412.2M | $525.5M | 13.89% | 9.52% | 5.90% |
| Q2 2025 | $434.3M | $556.8M | 15.77% | 9.12% | 6.00% |
| Q3 2025 | $446.8M | $563.9M | 16.40% | 9.14% | 5.88% |
| Q4 2025 | $475.4M | $595.0M | 16.06% | 10.50% | 5.56% |
| Q1 2026 | $471.3M | $603.2M | 17.17% | 8.35% | 5.50% |
| Q2 2026 | $501.5M | $605.5M | 16.51% | 7.82% | 5.33% |
Carroll Bank and Trust loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Carroll Bank and Trust, 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 Carroll Bank and Trust profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 2380) · FFIEC NIC profile (RSSD 541857)