Countybank: 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): 13.46 percentage points higher than in Q1 2026, at 98.54%. Countybank ranks 31st of 44 South Carolina banks on loan-to-deposit ratio, in the lower half at 65.98% (Q2 2026). Countybank reported 65.98% on loan-to-deposit ratio for Q2 2026, 14.58 points below the 80.55% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $411.1M |
| Net loans and leases | $407.7M |
| Loans held for sale | $4.7M |
| Loans to total assets | 56.09% |
| Loan-to-deposit ratio | 65.98% |
| Net loans to equity capital | 8.90% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 38.99% |
| Multifamily (5+ residential) | 0.07% |
| Commercial and industrial | 6.13% |
| Consumer | 2.75% |
| Credit cards | 0.00% |
| Farm | 0.40% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 98.54% |
| Construction concentration (Tier 1 capital + allowance) | 31.35% |
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 | 6.08% |
| Interest income on loans | $6.1M |
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 | $405.0M | $582.3M | 39.22% | 4.75% | 2.30% |
| Q4 2023 | $406.0M | $568.9M | 38.49% | 5.04% | 2.62% |
| Q1 2024 | $411.5M | $567.8M | 38.39% | 4.61% | 2.46% |
| Q2 2024 | $413.0M | $561.9M | 37.37% | 4.67% | 2.33% |
| Q3 2024 | $414.5M | $579.1M | 38.05% | 4.61% | 2.49% |
| Q4 2024 | $410.3M | $615.4M | 37.64% | 5.11% | 2.78% |
| Q1 2025 | $409.5M | $639.8M | 37.74% | 5.15% | 2.55% |
| Q2 2025 | $415.6M | $627.9M | 38.03% | 5.39% | 2.67% |
| Q3 2025 | $402.9M | $638.9M | 37.86% | 6.34% | 2.74% |
| Q4 2025 | $398.7M | $637.8M | 38.27% | 6.48% | 2.51% |
| Q1 2026 | $398.4M | $639.3M | 39.39% | 6.60% | 2.80% |
| Q2 2026 | $411.1M | $623.1M | 38.99% | 6.13% | 2.75% |
Countybank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Countybank, 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 Countybank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9155) · FFIEC NIC profile (RSSD 271529)