Central 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 Loan-to-deposit ratio: 5.50 percentage points higher than in Q1 2026, at 81.65%. Central Bank ranks 61st of 109 Tennessee banks on loan-to-deposit ratio, in the lower half at 81.65% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio; Central Bank reported 81.65% for Q2 2026, nearly level with it.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $115.2M |
| Net loans and leases | $114.1M |
| Loans held for sale | $0 |
| Loans to total assets | 71.92% |
| Loan-to-deposit ratio | 81.65% |
| Net loans to equity capital | 6.53% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 18.11% |
| Multifamily (5+ residential) | 4.83% |
| Commercial and industrial | 7.72% |
| Consumer | 5.22% |
| Credit cards | 0.00% |
| Farm | 0.65% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.63% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 128.49% |
| Construction concentration (Tier 1 capital + allowance) | 65.51% |
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 | 7.14% |
| Interest income on loans | $2.0M |
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 | $80.2M | $122.3M | 17.88% | 10.10% | 5.56% |
| Q4 2023 | $83.0M | $127.0M | 17.79% | 10.42% | 5.56% |
| Q1 2024 | $84.5M | $117.8M | 21.20% | 11.88% | 5.60% |
| Q2 2024 | $82.6M | $126.3M | 17.37% | 12.31% | 6.33% |
| Q3 2024 | $84.8M | $120.7M | 17.17% | 11.54% | 6.30% |
| Q4 2024 | $85.8M | $118.8M | 16.65% | 11.73% | 6.26% |
| Q1 2025 | $89.9M | $122.3M | 16.29% | 11.52% | 6.05% |
| Q2 2025 | $92.4M | $127.7M | 16.13% | 11.15% | 6.17% |
| Q3 2025 | $97.2M | $127.3M | 18.37% | 10.85% | 5.85% |
| Q4 2025 | $104.2M | $134.4M | 18.88% | 10.34% | 5.46% |
| Q1 2026 | $110.4M | $144.9M | 18.23% | 9.39% | 5.15% |
| Q2 2026 | $115.2M | $141.1M | 18.11% | 7.72% | 5.22% |
Central Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Central 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 Central Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 31545) · FFIEC NIC profile (RSSD 265676)