Echelon Bank: Loan Portfolio
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Data as of · Call Report Schedule RC-C How we update
Echelon Bank reported all 18 line items on this page on its Q3 2026 filing. Total loans and leases was $18.2M in Q3 2026. That is 20.9% of its total assets.
What the loan portfolio page covers and where each line comes from.
Net loans and leases climbed 380.7% in Q3 2026, from $3.8M to $18.0M. It was the largest change from Q2 2026 among the key lines here. Echelon Bank has the 3rd lowest loan-to-deposit ratio of the 81 banks headquartered in Florida, at 31.07% as of Q3 2026. Echelon Bank's loan-to-deposit ratio of 31.07% is well below the 68.95% median for banks in the < $100M asset tier, a gap of 37.88 points (Q3 2026).
Loan totals
| Line item | Q3 2026 |
|---|---|
| Total loans and leases | $18.2M |
| Net loans and leases | $18.0M |
| Loans held for sale | $0 |
| Loans to total assets | 20.86% |
| Loan-to-deposit ratio | 31.07% |
| Net loans to equity capital | 0.66× |
Source: Call Report Schedule RC-C; Total loans and leases: Call Report Schedule RC-C, Part I, item 12 (RCON2122). Open the filed call report for Q3 2026 on the FFIEC CDR.
Portfolio mix (share of total loans)
| Line item | Q3 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 81.77% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 4.84% |
| Consumer | 1.64% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Source: Call Report Schedule RC-C. Open the filed call report for Q3 2026 on the FFIEC CDR.
Concentration measures
| Line item | Q3 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 21.88% |
| Construction concentration (Tier 1 capital + allowance) | 2.75% |
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.
Source: Call Report Schedule RC-C. Open the filed call report for Q3 2026 on the FFIEC CDR.
Loan earnings
| Line item | Q3 2026 |
|---|---|
| Yield on loans | 5.85% |
| Interest income on loans | $146K |
Source: Call Report Schedule RC-C. Open the filed call report for Q3 2026 on the FFIEC CDR.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q2 2026 | $3.8M | $23.5M | 65.62% | 0.00% | 5.80% |
| Q3 2026 | $18.2M | $58.7M | 81.77% | 4.84% | 1.64% |
Echelon Bank loan portfolio, quarter by quarter
Loan Portfolio since Q3 2021 · peer percentiles on every line item · watchlist alerts
Unlock this bank, freeSource: Call Report Schedule RC-C, Q3 2026. How these pages are built. See the full Echelon Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 59377) · FFIEC NIC profile (RSSD 6062484)