Commercial 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 12.89 percentage points in Q2 2026, from 319.67% to 306.78%. It was the largest change from Q1 2026 among the key lines here. On loan-to-deposit ratio, Commercial Bank ranks 9th highest among the 109 banks headquartered in Tennessee, at 101.18% (Q2 2026). Commercial Bank reported 101.18% on loan-to-deposit ratio for Q2 2026, 12.98 points above the 88.20% median for banks in the $1B-10B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $1.93B |
| Net loans and leases | $1.91B |
| Loans held for sale | $0 |
| Loans to total assets | 81.87% |
| Loan-to-deposit ratio | 101.18% |
| Net loans to equity capital | 7.29% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 45.57% |
| Multifamily (5+ residential) | 13.39% |
| Commercial and industrial | 7.45% |
| Consumer | 0.65% |
| Credit cards | 0.00% |
| Farm | 0.95% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.32% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 306.78% |
| Construction concentration (Tier 1 capital + allowance) | 71.90% |
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 | 5.94% |
| Interest income on loans | $28.3M |
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 | $1.43B | $1.57B | 44.98% | 11.26% | 1.10% |
| Q4 2023 | $1.47B | $1.60B | 44.56% | 10.89% | 1.09% |
| Q1 2024 | $1.49B | $1.60B | 43.86% | 10.82% | 1.30% |
| Q2 2024 | $1.52B | $1.61B | 42.95% | 10.23% | 1.07% |
| Q3 2024 | $1.74B | $1.89B | 45.54% | 10.59% | 0.90% |
| Q4 2024 | $1.79B | $1.94B | 44.37% | 10.49% | 0.85% |
| Q1 2025 | $1.78B | $1.90B | 45.77% | 9.47% | 0.84% |
| Q2 2025 | $1.78B | $1.85B | 44.84% | 9.32% | 0.82% |
| Q3 2025 | $1.75B | $1.78B | 44.83% | 8.08% | 0.91% |
| Q4 2025 | $1.86B | $1.86B | 45.81% | 7.39% | 0.83% |
| Q1 2026 | $1.88B | $1.93B | 45.45% | 7.15% | 0.65% |
| Q2 2026 | $1.93B | $1.91B | 45.57% | 7.45% | 0.65% |
Commercial Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Commercial 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 Commercial Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 22354) · FFIEC NIC profile (RSSD 497039)