CBL State Savings 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): 4.49 percentage points higher than in Q1 2026, at 40.85%. CBL State Savings Bank ranks 8th of 44 South Carolina banks on loan-to-deposit ratio, in the upper half at 93.52% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. CBL State Savings Bank sits 12.68 points higher, at 93.52% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $117.7M |
| Net loans and leases | $116.6M |
| Loans held for sale | $0 |
| Loans to total assets | 61.55% |
| Loan-to-deposit ratio | 93.52% |
| Net loans to equity capital | 4.01% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 5.33% |
| Multifamily (5+ residential) | 0.18% |
| Commercial and industrial | 0.00% |
| Consumer | 0.73% |
| 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) | 45.68% |
| Construction concentration (Tier 1 capital + allowance) | 40.85% |
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 | 5.85% |
| 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 | $104.3M | $108.7M | 5.40% | 0.00% | 0.09% |
| Q4 2023 | $106.3M | $108.8M | 5.59% | 0.16% | 0.08% |
| Q1 2024 | $106.8M | $112.8M | 5.41% | 0.15% | 0.13% |
| Q2 2024 | $111.1M | $116.6M | 5.08% | 0.00% | 0.11% |
| Q3 2024 | $112.9M | $117.5M | 5.11% | 0.00% | 0.10% |
| Q4 2024 | $110.9M | $117.9M | 5.09% | 0.00% | 0.11% |
| Q1 2025 | $111.2M | $118.3M | 4.91% | 0.00% | 0.31% |
| Q2 2025 | $112.7M | $119.1M | 5.14% | 0.00% | 0.89% |
| Q3 2025 | $114.6M | $121.3M | 5.00% | 0.00% | 0.87% |
| Q4 2025 | $116.8M | $122.5M | 5.89% | 0.00% | 0.74% |
| Q1 2026 | $118.0M | $122.8M | 6.02% | 0.00% | 0.72% |
| Q2 2026 | $117.7M | $125.9M | 5.33% | 0.00% | 0.73% |
CBL State Savings Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock CBL State Savings 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 CBL State Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 31900) · FFIEC NIC profile (RSSD 851172)