Commercial Bank & Trust Company: 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 3.75 percentage points in Q2 2026, from 62.16% to 65.91%. It was the largest change from Q1 2026 among the key lines here. Within Tennessee, Commercial Bank & Trust Company is 95th of 109 on loan-to-deposit ratio, 65.91% as of Q2 2026, below the middle of the field. Commercial Bank & Trust Company reported 65.91% on loan-to-deposit ratio for Q2 2026, 22.29 points below the 88.20% median for banks in the $1B-10B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $640.6M |
| Net loans and leases | $631.3M |
| Loans held for sale | $928K |
| Loans to total assets | 59.33% |
| Loan-to-deposit ratio | 65.91% |
| Net loans to equity capital | 6.42% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 17.37% |
| Multifamily (5+ residential) | 4.44% |
| Commercial and industrial | 16.74% |
| Consumer | 3.53% |
| Credit cards | 0.00% |
| Farm | 3.83% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 1.16% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 101.53% |
| Construction concentration (Tier 1 capital + allowance) | 17.01% |
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 | 6.55% |
| Interest income on loans | $10.3M |
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 | $537.5M | $947.6M | 18.27% | 19.55% | 4.73% |
| Q4 2023 | $544.4M | $967.8M | 18.67% | 19.71% | 4.57% |
| Q1 2024 | $546.1M | $931.0M | 18.31% | 18.71% | 4.53% |
| Q2 2024 | $570.5M | $952.0M | 18.86% | 18.42% | 4.22% |
| Q3 2024 | $567.2M | $957.5M | 19.32% | 17.50% | 4.30% |
| Q4 2024 | $576.2M | $996.5M | 19.34% | 18.36% | 4.12% |
| Q1 2025 | $582.6M | $1.00B | 19.11% | 18.39% | 4.05% |
| Q2 2025 | $596.0M | $1.01B | 18.74% | 17.06% | 3.78% |
| Q3 2025 | $610.4M | $999.8M | 18.21% | 16.44% | 3.75% |
| Q4 2025 | $621.7M | $985.3M | 17.84% | 17.40% | 4.03% |
| Q1 2026 | $616.7M | $992.1M | 17.71% | 16.26% | 3.80% |
| Q2 2026 | $640.6M | $972.0M | 17.37% | 16.74% | 3.53% |
Commercial Bank & Trust Company loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Commercial Bank & Trust Company, 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 & Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8660) · FFIEC NIC profile (RSSD 467658)