County 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.
CRE concentration (Tier 1 capital + allowance) climbed 11.36 percentage points in Q2 2026, from 202.01% to 213.36%. It was the largest change from Q1 2026 among the key lines here. On loan-to-deposit ratio, County Bank ranks 3rd highest among the 16 banks headquartered in Delaware, at 89.80% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.55% on loan-to-deposit ratio. County Bank sits 9.25 points higher, at 89.80% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $518.8M |
| Net loans and leases | $514.1M |
| Loans held for sale | $18.4M |
| Loans to total assets | 74.50% |
| Loan-to-deposit ratio | 89.80% |
| Net loans to equity capital | 5.15% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 41.93% |
| Multifamily (5+ residential) | 3.83% |
| Commercial and industrial | 7.16% |
| Consumer | 13.79% |
| Credit cards | 0.04% |
| Farm | 1.73% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 213.36% |
| Construction concentration (Tier 1 capital + allowance) | 79.75% |
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 | 7.32% |
| Interest income on loans | $9.6M |
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 | $404.1M | $499.5M | 44.48% | 7.68% | 10.90% |
| Q4 2023 | $414.9M | $501.2M | 43.84% | 7.55% | 11.02% |
| Q1 2024 | $425.7M | $497.2M | 43.53% | 7.07% | 12.00% |
| Q2 2024 | $425.4M | $515.9M | 44.19% | 6.90% | 12.45% |
| Q3 2024 | $427.5M | $520.4M | 43.65% | 6.22% | 12.10% |
| Q4 2024 | $443.3M | $518.2M | 45.29% | 6.06% | 13.25% |
| Q1 2025 | $467.0M | $535.8M | 45.78% | 7.49% | 13.29% |
| Q2 2025 | $469.3M | $538.0M | 45.07% | 7.21% | 15.65% |
| Q3 2025 | $488.8M | $552.7M | 43.47% | 6.61% | 17.85% |
| Q4 2025 | $487.8M | $553.4M | 43.91% | 6.50% | 15.90% |
| Q1 2026 | $505.8M | $567.9M | 42.98% | 7.80% | 14.98% |
| Q2 2026 | $518.8M | $577.8M | 41.93% | 7.16% | 13.79% |
County Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock County 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 County Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 33009) · FFIEC NIC profile (RSSD 1459735)