DLP 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 Commercial real estate (nonfarm nonresidential): 8.84 percentage points lower than in Q1 2026, at 31.72%. Within Florida, DLP Bank is 69th of 81 on loan-to-deposit ratio, 49.18% as of Q2 2026. DLP Bank reported 49.18% on loan-to-deposit ratio for Q2 2026, 31.38 points below the 80.55% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $118.8M |
| Net loans and leases | $116.7M |
| Loans held for sale | $0 |
| Loans to total assets | 39.40% |
| Loan-to-deposit ratio | 49.18% |
| Net loans to equity capital | 2.00% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 31.72% |
| Multifamily (5+ residential) | 0.33% |
| Commercial and industrial | 21.48% |
| Consumer | 1.21% |
| Credit cards | 0.00% |
| Farm | 1.44% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 78.24% |
| Construction concentration (Tier 1 capital + allowance) | 26.67% |
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 | 7.94% |
| Interest income on loans | $2.2M |
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 | $78.0M | $206.3M | 30.29% | 25.91% | 3.72% |
| Q4 2023 | $89.5M | $196.6M | 30.79% | 26.24% | 2.93% |
| Q1 2024 | $90.3M | $195.1M | 33.42% | 25.00% | 2.71% |
| Q2 2024 | $97.1M | $226.5M | 35.71% | 19.57% | 2.31% |
| Q3 2024 | $103.9M | $213.3M | 37.58% | 20.89% | 1.94% |
| Q4 2024 | $114.1M | $201.1M | 43.90% | 16.13% | 1.58% |
| Q1 2025 | $114.1M | $200.7M | 47.67% | 14.97% | 1.90% |
| Q2 2025 | $106.3M | $203.2M | 47.21% | 15.10% | 1.79% |
| Q3 2025 | $105.9M | $206.4M | 46.19% | 14.64% | 1.63% |
| Q4 2025 | $116.2M | $244.8M | 42.01% | 15.96% | 1.69% |
| Q1 2026 | $117.1M | $245.5M | 40.56% | 17.97% | 1.46% |
| Q2 2026 | $118.8M | $241.5M | 31.72% | 21.48% | 1.21% |
DLP Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock DLP 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 DLP Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17734) · FFIEC NIC profile (RSSD 853934)