Community Bank of the South: 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.
Construction concentration (tier 1 capital + allowance) climbed 5.56 percentage points in Q2 2026, from 17.32% to 22.89%. It was the largest change from Q1 2026 among the key lines here. Community Bank of the South has the 4th lowest loan-to-deposit ratio of the 81 banks headquartered in Florida, at 32.30% as of Q2 2026. Community Bank of the South's loan-to-deposit ratio of 32.30% is well below the 80.84% median for banks in the $100M-1B asset tier, a gap of 48.54 points (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $78.4M |
| Net loans and leases | $77.5M |
| Loans held for sale | $0 |
| Loans to total assets | 29.43% |
| Loan-to-deposit ratio | 32.30% |
| Net loans to equity capital | 3.85% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 54.46% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 11.10% |
| Consumer | 2.58% |
| Credit cards | 0.96% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 2.18% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 59.38% |
| Construction concentration (Tier 1 capital + allowance) | 22.89% |
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 | 6.42% |
| Interest income on loans | $1.2M |
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 | $70.6M | $235.9M | 54.33% | 10.79% | 2.09% |
| Q4 2023 | $71.8M | $229.0M | 57.98% | 10.59% | 2.25% |
| Q1 2024 | $72.8M | $224.1M | 64.86% | 4.60% | 2.40% |
| Q2 2024 | $72.0M | $232.9M | 63.66% | 7.06% | 2.39% |
| Q3 2024 | $71.9M | $245.5M | 63.94% | 6.29% | 2.49% |
| Q4 2024 | $73.5M | $244.1M | 63.53% | 5.38% | 2.82% |
| Q1 2025 | $73.7M | $244.1M | 65.20% | 4.63% | 3.19% |
| Q2 2025 | $69.2M | $238.3M | 65.91% | 4.60% | 3.44% |
| Q3 2025 | $72.9M | $232.6M | 61.20% | 6.39% | 2.97% |
| Q4 2025 | $72.1M | $231.6M | 60.01% | 6.34% | 2.85% |
| Q1 2026 | $75.3M | $228.9M | 58.11% | 7.45% | 2.70% |
| Q2 2026 | $78.4M | $242.8M | 54.46% | 11.10% | 2.58% |
Community Bank of the South loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Community Bank of the South, 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 Community Bank of the South profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 35212) · FFIEC NIC profile (RSSD 2860039)