Commerce 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 3.78 percentage points in Q2 2026, from 51.83% to 55.61%. It was the largest change from Q1 2026 among the key lines here. Commerce Bank ranks 23rd of 57 Mississippi banks on loan-to-deposit ratio, in the upper half at 78.74% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.55% on loan-to-deposit ratio; Commerce Bank reported 78.74% for Q2 2026, nearly level with it.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $117.3M |
| Net loans and leases | $115.6M |
| Loans held for sale | $0 |
| Loans to total assets | 69.86% |
| Loan-to-deposit ratio | 78.74% |
| Net loans to equity capital | 6.74% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 13.90% |
| Multifamily (5+ residential) | 0.02% |
| Commercial and industrial | 23.42% |
| Consumer | 6.49% |
| Credit cards | 0.00% |
| Farm | 3.42% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 2.21% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 55.61% |
| Construction concentration (Tier 1 capital + allowance) | 17.07% |
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 | 7.67% |
| Interest income on loans | $2.2M |
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 | $100.0M | $140.1M | 13.98% | 23.69% | 7.51% |
| Q4 2023 | $100.8M | $138.4M | 14.14% | 24.12% | 7.45% |
| Q1 2024 | $102.0M | $145.2M | 14.07% | 24.22% | 7.32% |
| Q2 2024 | $104.6M | $142.3M | 14.24% | 24.11% | 7.48% |
| Q3 2024 | $106.0M | $139.8M | 14.52% | 24.31% | 7.37% |
| Q4 2024 | $105.6M | $140.5M | 14.42% | 24.06% | 7.36% |
| Q1 2025 | $105.5M | $143.2M | 14.34% | 24.28% | 7.14% |
| Q2 2025 | $108.5M | $138.7M | 13.99% | 24.65% | 7.19% |
| Q3 2025 | $109.7M | $137.1M | 14.15% | 24.04% | 7.45% |
| Q4 2025 | $111.5M | $137.7M | 14.11% | 23.45% | 7.04% |
| Q1 2026 | $112.5M | $145.1M | 14.26% | 23.15% | 6.70% |
| Q2 2026 | $117.3M | $149.0M | 13.90% | 23.42% | 6.49% |
Commerce Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Commerce 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 Commerce Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34938) · FFIEC NIC profile (RSSD 2746245)