Dozier 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) dropped 11.06 percentage points in Q2 2026, from 80.62% to 69.56%. It was the largest change from Q1 2026 among the key lines here. Within Alabama, Dozier Bank is 76th of 93 on loan-to-deposit ratio, 49.75% as of Q2 2026, below the middle of the field. The median for banks in the < $100M asset tier is 67.62% on loan-to-deposit ratio. Dozier Bank sits 17.87 points lower, at 49.75% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $20.1M |
| Net loans and leases | $19.8M |
| Loans held for sale | $0 |
| Loans to total assets | 36.59% |
| Loan-to-deposit ratio | 49.75% |
| Net loans to equity capital | 1.46% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 38.89% |
| Multifamily (5+ residential) | 4.25% |
| Commercial and industrial | 17.12% |
| Consumer | 4.95% |
| Credit cards | 0.00% |
| Farm | 0.28% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 2.19% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 69.56% |
| Construction concentration (Tier 1 capital + allowance) | 15.36% |
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 | 6.77% |
| Interest income on loans | $341K |
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 | $18.1M | $40.0M | 33.07% | 13.23% | 6.98% |
| Q4 2023 | $19.9M | $41.9M | 32.54% | 16.51% | 5.57% |
| Q1 2024 | $21.7M | $41.4M | 35.46% | 16.62% | 5.15% |
| Q2 2024 | $22.5M | $41.9M | 36.48% | 14.63% | 4.50% |
| Q3 2024 | $22.8M | $41.6M | 35.56% | 13.88% | 4.26% |
| Q4 2024 | $21.6M | $41.8M | 35.11% | 17.72% | 4.26% |
| Q1 2025 | $22.2M | $41.1M | 36.24% | 15.94% | 3.96% |
| Q2 2025 | $22.5M | $41.6M | 33.88% | 16.23% | 3.63% |
| Q3 2025 | $22.2M | $39.2M | 34.27% | 16.02% | 3.65% |
| Q4 2025 | $22.0M | $40.3M | 37.79% | 14.96% | 4.70% |
| Q1 2026 | $21.8M | $41.2M | 36.30% | 15.69% | 4.49% |
| Q2 2026 | $20.1M | $40.3M | 38.89% | 17.12% | 4.95% |
Dozier Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Dozier 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 Dozier Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 2794) · FFIEC NIC profile (RSSD 496434)