Column N.A.: 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) dropped 10.34 percentage points in Q2 2026, from 53.42% to 43.08%. It was the largest change from Q1 2026 among the key lines here. Against a median of 88.20% for banks in the $1B-10B asset tier, Column N.A. reported 23.45% on loan-to-deposit ratio in Q2 2026, 64.75 points lower.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $358.6M |
| Net loans and leases | $356.6M |
| Loans held for sale | $117.5M |
| Loans to total assets | 20.27% |
| Loan-to-deposit ratio | 23.45% |
| Net loans to equity capital | 2.04% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 34.39% |
| Multifamily (5+ residential) | 3.01% |
| Commercial and industrial | 9.18% |
| Consumer | 45.29% |
| Credit cards | 28.67% |
| Farm | 1.89% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 43.08% |
| Construction concentration (Tier 1 capital + allowance) | 0.00% |
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 | $7.0M |
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 | $206.5M | $405.5M | 69.54% | 6.08% | 5.55% |
| Q4 2023 | $205.5M | $390.4M | 68.38% | 5.93% | 5.06% |
| Q1 2024 | $201.6M | $412.7M | 67.73% | 6.68% | 4.77% |
| Q2 2024 | $205.2M | $463.7M | 66.25% | 8.22% | 4.49% |
| Q3 2024 | $209.8M | $590.2M | 64.99% | 9.63% | 4.04% |
| Q4 2024 | $215.3M | $653.8M | 62.13% | 8.39% | 3.81% |
| Q1 2025 | $222.0M | $689.3M | 59.97% | 8.79% | 3.23% |
| Q2 2025 | $210.5M | $712.4M | 62.91% | 10.55% | 7.14% |
| Q3 2025 | $225.8M | $1.03B | 59.10% | 10.44% | 12.01% |
| Q4 2025 | $212.2M | $688.1M | 61.25% | 7.77% | 10.75% |
| Q1 2026 | $322.8M | $1.18B | 39.40% | 9.17% | 38.52% |
| Q2 2026 | $358.6M | $1.53B | 34.39% | 9.18% | 45.29% |
Column N.A. loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Column N.A., 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 Column N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58224) · FFIEC NIC profile (RSSD 3435948)