Commerceone 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) dropped 18.37 percentage points in Q2 2026, from 293.43% to 275.05%. It was the largest change from Q1 2026 among the key lines here. Within Alabama, Commerceone Bank is 42nd of 93 on loan-to-deposit ratio, 71.55% as of Q2 2026. Commerceone Bank reported 71.55% on loan-to-deposit ratio for Q2 2026, 16.65 points below the 88.20% median for banks in the $1B-10B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $694.2M |
| Net loans and leases | $687.3M |
| Loans held for sale | $0 |
| Loans to total assets | 65.31% |
| Loan-to-deposit ratio | 71.55% |
| Net loans to equity capital | 8.09% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 30.27% |
| Multifamily (5+ residential) | 4.80% |
| Commercial and industrial | 29.93% |
| Consumer | 2.40% |
| 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) | 275.05% |
| Construction concentration (Tier 1 capital + allowance) | 68.61% |
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 | 6.67% |
| Interest income on loans | $11.5M |
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 | $518.9M | $530.7M | 29.87% | 27.53% | 2.50% |
| Q4 2023 | $513.2M | $562.9M | 32.03% | 25.53% | 1.80% |
| Q1 2024 | $509.2M | $549.9M | 33.12% | 23.53% | 1.18% |
| Q2 2024 | $560.0M | $564.0M | 34.00% | 22.23% | 1.41% |
| Q3 2024 | $576.3M | $606.5M | 33.34% | 23.28% | 1.49% |
| Q4 2024 | $610.4M | $701.1M | 31.62% | 26.32% | 1.47% |
| Q1 2025 | $627.8M | $701.7M | 31.39% | 26.67% | 2.16% |
| Q2 2025 | $655.8M | $672.3M | 32.24% | 28.86% | 1.61% |
| Q3 2025 | $692.5M | $743.4M | 30.32% | 31.81% | 2.04% |
| Q4 2025 | $711.7M | $719.9M | 28.89% | 33.42% | 2.07% |
| Q1 2026 | $692.4M | $802.7M | 29.92% | 32.01% | 2.02% |
| Q2 2026 | $694.2M | $970.2M | 30.27% | 29.93% | 2.40% |
Commerceone Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Commerceone 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 Commerceone Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 59114) · FFIEC NIC profile (RSSD 5227101)