The 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) climbed 3.92 percentage points in Q2 2026, from 31.76% to 35.68%. It was the largest change from Q1 2026 among the key lines here. On loan-to-deposit ratio, The Commercial Bank is 4th from the bottom among 44 South Carolina banks, 40.72% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. The Commercial Bank sits 40.12 points lower, at 40.72% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $102.4M |
| Net loans and leases | $101.2M |
| Loans held for sale | $0 |
| Loans to total assets | 36.02% |
| Loan-to-deposit ratio | 40.72% |
| Net loans to equity capital | 4.34% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 20.23% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 4.94% |
| Consumer | 10.84% |
| Credit cards | 0.00% |
| Farm | 0.02% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.43% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 35.68% |
| Construction concentration (Tier 1 capital + allowance) | 16.58% |
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 | 6.71% |
| Interest income on loans | $1.7M |
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 | $82.5M | $231.7M | 23.65% | 6.20% | 10.39% |
| Q4 2023 | $87.2M | $231.0M | 22.59% | 6.38% | 11.91% |
| Q1 2024 | $88.3M | $230.9M | 24.77% | 5.96% | 9.33% |
| Q2 2024 | $89.7M | $228.2M | 24.75% | 5.77% | 9.50% |
| Q3 2024 | $89.8M | $227.7M | 23.11% | 6.06% | 9.45% |
| Q4 2024 | $90.3M | $233.7M | 22.46% | 6.51% | 9.08% |
| Q1 2025 | $92.8M | $240.2M | 24.13% | 4.17% | 8.93% |
| Q2 2025 | $95.9M | $238.8M | 23.42% | 4.21% | 9.69% |
| Q3 2025 | $97.0M | $237.5M | 23.38% | 4.33% | 9.80% |
| Q4 2025 | $101.7M | $232.3M | 24.43% | 4.48% | 9.25% |
| Q1 2026 | $99.0M | $257.5M | 21.12% | 5.01% | 9.06% |
| Q2 2026 | $102.4M | $251.4M | 20.23% | 4.94% | 10.84% |
The Commercial Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The 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 The Commercial Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14642) · FFIEC NIC profile (RSSD 349129)