Decatur 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.
Construction concentration (tier 1 capital + allowance) dropped 1.53 percentage points in Q2 2026, from 62.75% to 61.22%. It was the largest change from Q1 2026 among the key lines here. Within Tennessee, Decatur County Bank is 38th of 109 on loan-to-deposit ratio, 87.38% as of Q2 2026, above the middle of the field. Decatur County Bank reported 87.38% on loan-to-deposit ratio for Q2 2026, 6.55 points above the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $258.1M |
| Net loans and leases | $255.6M |
| Loans held for sale | $402K |
| Loans to total assets | 79.25% |
| Loan-to-deposit ratio | 87.38% |
| Net loans to equity capital | 9.49% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 24.87% |
| Multifamily (5+ residential) | 1.52% |
| Commercial and industrial | 25.37% |
| Consumer | 2.42% |
| Credit cards | 0.00% |
| Farm | 6.22% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 2.52% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 203.03% |
| Construction concentration (Tier 1 capital + allowance) | 61.22% |
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 | 6.80% |
| Interest income on loans | $4.3M |
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 | $214.7M | $242.9M | 30.19% | 20.75% | 3.68% |
| Q4 2023 | $220.9M | $250.4M | 30.03% | 21.02% | 3.48% |
| Q1 2024 | $218.3M | $255.4M | 29.85% | 19.98% | 3.34% |
| Q2 2024 | $225.2M | $256.7M | 28.69% | 22.09% | 3.23% |
| Q3 2024 | $223.5M | $252.2M | 27.60% | 22.26% | 3.33% |
| Q4 2024 | $229.8M | $262.4M | 25.82% | 24.81% | 3.13% |
| Q1 2025 | $232.8M | $261.5M | 26.62% | 24.13% | 2.87% |
| Q2 2025 | $240.4M | $269.7M | 25.24% | 25.08% | 2.72% |
| Q3 2025 | $249.2M | $272.4M | 24.49% | 24.15% | 2.67% |
| Q4 2025 | $260.4M | $286.2M | 25.78% | 24.46% | 2.44% |
| Q1 2026 | $253.6M | $291.2M | 25.89% | 24.53% | 2.34% |
| Q2 2026 | $258.1M | $295.3M | 24.87% | 25.37% | 2.42% |
Decatur County Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Decatur 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 Decatur County Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 6101) · FFIEC NIC profile (RSSD 66154)