Community Neighbor 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 CRE concentration (Tier 1 capital + allowance): 3.54 percentage points higher than in Q1 2026, at 36.21%. Within Alabama, Community Neighbor Bank is 62nd of 93 on loan-to-deposit ratio, 59.81% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Community Neighbor Bank sits 21.03 points lower, at 59.81% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $102.7M |
| Net loans and leases | $101.2M |
| Loans held for sale | $0 |
| Loans to total assets | 53.17% |
| Loan-to-deposit ratio | 59.81% |
| Net loans to equity capital | 4.77% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 18.18% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 18.53% |
| Consumer | 9.08% |
| Credit cards | 0.00% |
| Farm | 12.56% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.68% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 36.21% |
| Construction concentration (Tier 1 capital + allowance) | 23.73% |
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 | 8.06% |
| Interest income on loans | $2.0M |
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 | $85.1M | $124.2M | 19.02% | 22.39% | 9.93% |
| Q4 2023 | $88.1M | $124.6M | 19.36% | 21.19% | 9.59% |
| Q1 2024 | $88.2M | $130.0M | 18.88% | 20.33% | 9.78% |
| Q2 2024 | $90.5M | $152.0M | 17.52% | 19.12% | 9.73% |
| Q3 2024 | $87.8M | $144.6M | 18.07% | 18.36% | 10.25% |
| Q4 2024 | $88.8M | $149.0M | 17.83% | 18.71% | 10.49% |
| Q1 2025 | $90.5M | $150.5M | 17.57% | 19.27% | 9.94% |
| Q2 2025 | $94.7M | $154.1M | 17.55% | 18.54% | 9.91% |
| Q3 2025 | $96.8M | $150.3M | 17.43% | 17.71% | 9.79% |
| Q4 2025 | $97.4M | $170.1M | 17.58% | 16.48% | 9.94% |
| Q1 2026 | $98.2M | $171.2M | 18.50% | 17.68% | 9.73% |
| Q2 2026 | $102.7M | $171.7M | 18.18% | 18.53% | 9.08% |
Community Neighbor Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Community Neighbor 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 Community Neighbor Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 2787) · FFIEC NIC profile (RSSD 466932)