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.
The standout move of Q2 2026 was in Loan-to-deposit ratio: 1.40 percentage points higher than in Q1 2026, at 64.00%. Within Mississippi, The Commercial Bank is 45th of 57 on loan-to-deposit ratio, 64.00% as of Q2 2026. The median for banks in the $100M-1B asset tier is 80.55% on loan-to-deposit ratio. The Commercial Bank sits 16.56 points lower, at 64.00% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $170.9M |
| Net loans and leases | $168.1M |
| Loans held for sale | $0 |
| Loans to total assets | 57.83% |
| Loan-to-deposit ratio | 64.00% |
| Net loans to equity capital | 8.97% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 32.06% |
| Multifamily (5+ residential) | 1.47% |
| Commercial and industrial | 33.23% |
| Consumer | 6.39% |
| Credit cards | 0.00% |
| Farm | 1.58% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.27% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 131.78% |
| Construction concentration (Tier 1 capital + allowance) | 25.87% |
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 | 7.21% |
| Interest income on loans | $3.0M |
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 | $90.9M | $215.4M | 17.35% | 19.88% | 23.40% |
| Q4 2023 | $99.4M | $232.2M | 22.89% | 17.84% | 20.53% |
| Q1 2024 | $103.7M | $229.8M | 22.18% | 19.76% | 18.95% |
| Q2 2024 | $106.5M | $233.1M | 22.03% | 21.06% | 17.82% |
| Q3 2024 | $112.1M | $227.6M | 23.09% | 24.70% | 16.04% |
| Q4 2024 | $123.3M | $221.3M | 23.13% | 27.73% | 14.31% |
| Q1 2025 | $131.6M | $254.1M | 25.02% | 29.37% | 12.69% |
| Q2 2025 | $139.9M | $247.6M | 25.56% | 31.84% | 11.19% |
| Q3 2025 | $147.8M | $244.3M | 26.99% | 32.60% | 10.18% |
| Q4 2025 | $152.1M | $251.7M | 28.45% | 32.11% | 9.01% |
| Q1 2026 | $166.9M | $266.7M | 32.24% | 32.38% | 7.36% |
| Q2 2026 | $170.9M | $267.0M | 32.06% | 33.23% | 6.39% |
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 9356) · FFIEC NIC profile (RSSD 700430)