Coastal Carolina National 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.
Loan-to-deposit ratio dropped 3.27 percentage points in Q2 2026, from 84.06% to 80.79%. It was the largest change from Q1 2026 among the key lines here. Within South Carolina, Coastal Carolina National Bank is 20th of 44 on loan-to-deposit ratio, 80.79% as of Q2 2026, above the middle of the field. The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. Coastal Carolina National Bank sits 7.41 points lower, at 80.79% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $987.8M |
| Net loans and leases | $976.7M |
| Loans held for sale | $0 |
| Loans to total assets | 73.14% |
| Loan-to-deposit ratio | 80.79% |
| Net loans to equity capital | 7.99% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 37.95% |
| Multifamily (5+ residential) | 3.79% |
| Commercial and industrial | 9.77% |
| Consumer | 4.36% |
| Credit cards | 0.00% |
| Farm | 1.26% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 266.80% |
| Construction concentration (Tier 1 capital + allowance) | 57.27% |
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 | — |
| Interest income on loans | $15.2M |
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 | $748.5M | $828.8M | 39.65% | 9.29% | 2.82% |
| Q4 2023 | $763.9M | $831.2M | 40.46% | 9.26% | 2.74% |
| Q1 2024 | $782.3M | $879.4M | 41.97% | 8.47% | 2.92% |
| Q2 2024 | $793.8M | $974.9M | 40.56% | 8.96% | 3.15% |
| Q3 2024 | $817.7M | $1.00B | 40.22% | 9.65% | 3.35% |
| Q4 2024 | $837.6M | $990.9M | 39.11% | 9.81% | 3.45% |
| Q1 2025 | $864.2M | $1.00B | 39.18% | 10.68% | 3.42% |
| Q2 2025 | $881.3M | $1.08B | 40.14% | 10.13% | 3.86% |
| Q3 2025 | $912.1M | $1.10B | 40.01% | 9.51% | 4.16% |
| Q4 2025 | $945.2M | $1.16B | 38.90% | 9.29% | 4.17% |
| Q1 2026 | $968.8M | $1.15B | 38.23% | 10.30% | 4.24% |
| Q2 2026 | $987.8M | $1.22B | 37.95% | 9.77% | 4.36% |
Coastal Carolina National Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Coastal Carolina National 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 Coastal Carolina National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58864) · FFIEC NIC profile (RSSD 3821822)