Coffee County 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 climbed 3.69 percentage points in Q2 2026, from 92.02% to 95.71%. It was the largest change from Q1 2026 among the key lines here. Coffee County Bank ranks 22nd of 109 Tennessee banks on loan-to-deposit ratio, in the upper half at 95.71% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Coffee County Bank sits 14.87 points higher, at 95.71% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $367.7M |
| Net loans and leases | $362.8M |
| Loans held for sale | $2.5M |
| Loans to total assets | 85.98% |
| Loan-to-deposit ratio | 95.71% |
| Net loans to equity capital | 9.15% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 18.39% |
| Multifamily (5+ residential) | 4.44% |
| Commercial and industrial | 9.18% |
| Consumer | 7.28% |
| Credit cards | 0.00% |
| Farm | 7.49% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 203.61% |
| Construction concentration (Tier 1 capital + allowance) | 102.89% |
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 | 7.48% |
| Interest income on loans | $6.8M |
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 | $298.6M | $296.7M | 19.31% | 7.79% | 5.95% |
| Q4 2023 | $308.4M | $292.8M | 19.16% | 9.96% | 5.92% |
| Q1 2024 | $314.0M | $298.7M | 19.83% | 9.16% | 5.72% |
| Q2 2024 | $319.2M | $291.8M | 18.88% | 9.34% | 5.66% |
| Q3 2024 | $333.0M | $325.4M | 17.97% | 10.12% | 6.09% |
| Q4 2024 | $325.9M | $322.2M | 18.16% | 10.21% | 6.55% |
| Q1 2025 | $330.4M | $343.6M | 17.53% | 8.90% | 6.85% |
| Q2 2025 | $326.8M | $363.3M | 17.99% | 8.50% | 7.44% |
| Q3 2025 | $337.9M | $377.2M | 17.98% | 8.95% | 7.43% |
| Q4 2025 | $349.3M | $381.3M | 17.30% | 9.24% | 7.51% |
| Q1 2026 | $357.6M | $388.6M | 17.91% | 9.39% | 7.51% |
| Q2 2026 | $367.7M | $384.2M | 18.39% | 9.18% | 7.28% |
Coffee County Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Coffee County 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 Coffee County Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 22090) · FFIEC NIC profile (RSSD 211338)