The Commercial Bank of Ozark: 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 2.45 percentage points in Q2 2026, from 48.55% to 51.00%. It was the largest change from Q1 2026 among the key lines here. The Commercial Bank of Ozark ranks 75th of 93 Alabama banks on loan-to-deposit ratio, in the lower half at 51.00% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.94% on loan-to-deposit ratio. The Commercial Bank of Ozark sits 29.94 points lower, at 51.00% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $54.9M |
| Net loans and leases | $54.3M |
| Loans held for sale | $0 |
| Loans to total assets | 47.63% |
| Loan-to-deposit ratio | 51.00% |
| Net loans to equity capital | 9.60% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 20.89% |
| Multifamily (5+ residential) | 2.68% |
| Commercial and industrial | 36.15% |
| Consumer | 9.17% |
| Credit cards | 0.00% |
| Farm | 1.02% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 2.55% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 46.94% |
| Construction concentration (Tier 1 capital + allowance) | 8.37% |
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 | 6.17% |
| Interest income on loans | $818K |
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 | $58.3M | $105.2M | 18.36% | 43.62% | 8.61% |
| Q4 2023 | $58.9M | $108.6M | 19.36% | 42.40% | 8.35% |
| Q1 2024 | $57.3M | $106.8M | 20.26% | 42.45% | 8.51% |
| Q2 2024 | $56.1M | $105.7M | 21.59% | 41.72% | 8.66% |
| Q3 2024 | $53.5M | $102.7M | 20.05% | 41.96% | 8.89% |
| Q4 2024 | $52.8M | $108.5M | 20.03% | 41.96% | 8.87% |
| Q1 2025 | $51.4M | $106.1M | 20.00% | 41.49% | 9.10% |
| Q2 2025 | $51.1M | $107.6M | 20.31% | 41.06% | 9.51% |
| Q3 2025 | $51.6M | $107.5M | 19.98% | 40.20% | 9.12% |
| Q4 2025 | $52.5M | $110.5M | 22.26% | 37.37% | 9.06% |
| Q1 2026 | $52.8M | $108.8M | 21.82% | 36.14% | 9.05% |
| Q2 2026 | $54.9M | $107.6M | 20.89% | 36.15% | 9.17% |
The Commercial Bank of Ozark loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The Commercial Bank of Ozark, 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 The Commercial Bank of Ozark profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17975) · FFIEC NIC profile (RSSD 522034)