The Conway National 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): 2.72 percentage points lower than in Q1 2026, at 128.92%. The Conway National Bank ranks 37th of 44 South Carolina banks on loan-to-deposit ratio, in the lower half at 51.86% (Q2 2026). The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. The Conway National Bank sits 36.34 points lower, at 51.86% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $865.7M |
| Net loans and leases | $856.2M |
| Loans held for sale | $0 |
| Loans to total assets | 43.35% |
| Loan-to-deposit ratio | 51.86% |
| Net loans to equity capital | 4.39% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 34.23% |
| Multifamily (5+ residential) | 0.79% |
| Commercial and industrial | 11.17% |
| Consumer | 6.77% |
| Credit cards | 0.31% |
| Farm | 2.41% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.15% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 128.92% |
| Construction concentration (Tier 1 capital + allowance) | 59.66% |
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 | 6.49% |
| Interest income on loans | $13.9M |
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 | $709.1M | $1.57B | 29.02% | 11.90% | 8.23% |
| Q4 2023 | $731.8M | $1.53B | 28.90% | 11.81% | 8.36% |
| Q1 2024 | $743.7M | $1.51B | 29.40% | 12.09% | 8.52% |
| Q2 2024 | $779.7M | $1.53B | 31.44% | 11.90% | 8.34% |
| Q3 2024 | $792.7M | $1.56B | 32.47% | 11.90% | 8.21% |
| Q4 2024 | $792.0M | $1.54B | 32.41% | 11.87% | 8.24% |
| Q1 2025 | $815.1M | $1.58B | 31.62% | 12.64% | 7.97% |
| Q2 2025 | $835.4M | $1.61B | 32.91% | 12.46% | 7.73% |
| Q3 2025 | $832.5M | $1.62B | 33.02% | 12.23% | 7.73% |
| Q4 2025 | $835.4M | $1.62B | 33.28% | 11.82% | 7.47% |
| Q1 2026 | $855.2M | $1.62B | 34.36% | 11.39% | 6.94% |
| Q2 2026 | $865.7M | $1.67B | 34.23% | 11.17% | 6.77% |
The Conway National Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The Conway National 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 Conway National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 2102) · FFIEC NIC profile (RSSD 631422)