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.
CRE concentration (Tier 1 capital + allowance) climbed 4.76 percentage points in Q2 2026, from 367.17% to 371.93%. It was the largest change from Q1 2026 among the key lines here. Among 81 Florida banks, Central Bank sits 6th from the top on loan-to-deposit ratio, 101.47% as of Q2 2026. Central Bank reported 101.47% on loan-to-deposit ratio for Q2 2026, 20.91 points above the 80.55% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $330.0M |
| Net loans and leases | $327.5M |
| Loans held for sale | $0 |
| Loans to total assets | 85.32% |
| Loan-to-deposit ratio | 101.47% |
| Net loans to equity capital | 9.26% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 53.38% |
| Multifamily (5+ residential) | 2.59% |
| Commercial and industrial | 2.59% |
| Consumer | 0.22% |
| 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) | 371.93% |
| Construction concentration (Tier 1 capital + allowance) | 65.25% |
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 | 6.70% |
| Interest income on loans | $5.5M |
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 | $242.2M | $256.3M | 42.14% | 6.98% | 1.94% |
| Q4 2023 | $251.6M | $235.1M | 43.26% | 6.35% | 1.63% |
| Q1 2024 | $253.7M | $257.1M | 44.23% | 4.82% | 1.31% |
| Q2 2024 | $260.6M | $247.3M | 44.62% | 4.37% | 1.03% |
| Q3 2024 | $276.8M | $264.5M | 45.06% | 3.81% | 0.75% |
| Q4 2024 | $295.3M | $278.7M | 47.31% | 3.47% | 0.71% |
| Q1 2025 | $296.0M | $283.7M | 47.59% | 3.57% | 0.58% |
| Q2 2025 | $301.2M | $293.8M | 48.08% | 3.52% | 0.47% |
| Q3 2025 | $310.2M | $296.4M | 46.72% | 3.55% | 0.39% |
| Q4 2025 | $314.3M | $301.1M | 49.54% | 3.09% | 0.33% |
| Q1 2026 | $325.6M | $319.5M | 51.02% | 2.80% | 0.25% |
| Q2 2026 | $330.0M | $325.2M | 53.38% | 2.59% | 0.22% |
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 58377) · FFIEC NIC profile (RSSD 3468450)