CCB Community 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 CRE concentration (Tier 1 capital + allowance): 12.13 percentage points higher than in Q1 2026, at 225.59%. CCB Community Bank ranks 17th of 93 Alabama banks on loan-to-deposit ratio, in the upper half at 86.14% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.55% on loan-to-deposit ratio. CCB Community Bank sits 5.58 points higher, at 86.14% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $510.3M |
| Net loans and leases | $504.0M |
| Loans held for sale | $0 |
| Loans to total assets | 77.09% |
| Loan-to-deposit ratio | 86.14% |
| Net loans to equity capital | 7.90% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 32.23% |
| Multifamily (5+ residential) | 1.47% |
| Commercial and industrial | 10.47% |
| Consumer | 1.49% |
| Credit cards | 0.12% |
| Farm | 19.08% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.22% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 225.59% |
| Construction concentration (Tier 1 capital + allowance) | 63.42% |
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 | 7.00% |
| Interest income on loans | $8.9M |
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 | $475.1M | $561.6M | 26.71% | 9.95% | 2.06% |
| Q4 2023 | $484.9M | $576.9M | 27.49% | 10.38% | 1.92% |
| Q1 2024 | $489.0M | $567.5M | 28.37% | 9.83% | 1.91% |
| Q2 2024 | $498.0M | $594.1M | 28.01% | 9.80% | 1.89% |
| Q3 2024 | $496.9M | $624.8M | 28.18% | 10.46% | 1.86% |
| Q4 2024 | $494.0M | $597.1M | 28.65% | 10.06% | 1.78% |
| Q1 2025 | $503.1M | $607.0M | 28.84% | 10.76% | 1.88% |
| Q2 2025 | $499.0M | $599.4M | 29.46% | 10.30% | 1.81% |
| Q3 2025 | $499.9M | $605.1M | 29.34% | 10.46% | 1.59% |
| Q4 2025 | $503.8M | $596.2M | 28.64% | 12.87% | 1.52% |
| Q1 2026 | $514.6M | $599.0M | 30.03% | 12.69% | 1.45% |
| Q2 2026 | $510.3M | $592.5M | 32.23% | 10.47% | 1.49% |
CCB Community Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock CCB Community 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 CCB Community Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16595) · FFIEC NIC profile (RSSD 655839)