CBBC 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.
Construction concentration (Tier 1 capital + allowance) dropped 11.87 percentage points in Q2 2026, from 35.48% to 23.61%. It was the largest change from Q1 2026 among the key lines here. Within Tennessee, CBBC Bank is 92nd of 109 on loan-to-deposit ratio, 67.11% as of Q2 2026. The median for banks in the $100M-1B asset tier is 80.55% on loan-to-deposit ratio. CBBC Bank sits 13.45 points lower, at 67.11% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $321.3M |
| Net loans and leases | $316.4M |
| Loans held for sale | $0 |
| Loans to total assets | 57.16% |
| Loan-to-deposit ratio | 67.11% |
| Net loans to equity capital | 4.86% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 58.81% |
| Multifamily (5+ residential) | 6.16% |
| Commercial and industrial | 6.98% |
| Consumer | 0.61% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 204.07% |
| Construction concentration (Tier 1 capital + allowance) | 23.61% |
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 | 6.23% |
| Interest income on loans | $4.9M |
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 | $241.5M | $435.0M | 59.61% | 8.71% | 1.03% |
| Q4 2023 | $249.2M | $414.8M | 56.67% | 8.42% | 1.02% |
| Q1 2024 | $257.9M | $422.0M | 56.33% | 9.16% | 0.91% |
| Q2 2024 | $261.8M | $431.7M | 59.71% | 8.83% | 0.94% |
| Q3 2024 | $267.4M | $439.7M | 60.06% | 8.51% | 0.90% |
| Q4 2024 | $268.6M | $423.9M | 61.50% | 8.70% | 0.75% |
| Q1 2025 | $278.3M | $439.9M | 60.70% | 8.22% | 0.77% |
| Q2 2025 | $270.1M | $442.5M | 59.85% | 8.60% | 0.84% |
| Q3 2025 | $280.6M | $454.6M | 57.41% | 8.35% | 0.69% |
| Q4 2025 | $295.9M | $468.2M | 57.89% | 7.27% | 0.69% |
| Q1 2026 | $313.4M | $473.0M | 57.82% | 7.06% | 0.63% |
| Q2 2026 | $321.3M | $478.8M | 58.81% | 6.98% | 0.61% |
CBBC Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock CBBC 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 CBBC Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 21227) · FFIEC NIC profile (RSSD 218131)