Edison National 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 7.48 percentage points in Q2 2026, from 19.61% to 12.13%. It was the largest change from Q1 2026 among the key lines here. On loan-to-deposit ratio, Edison National Bank is 6th from the bottom among 81 Florida banks, 37.51% (Q2 2026). Edison National Bank's loan-to-deposit ratio of 37.51% is well below the 80.84% median for banks in the $100M-1B asset tier, a gap of 43.33 points (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $149.7M |
| Net loans and leases | $147.6M |
| Loans held for sale | $0 |
| Loans to total assets | 32.99% |
| Loan-to-deposit ratio | 37.51% |
| Net loans to equity capital | 3.73% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 27.00% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 7.54% |
| Consumer | 2.98% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 34.50% |
| Construction concentration (Tier 1 capital + allowance) | 12.13% |
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 | 5.21% |
| Interest income on loans | $1.9M |
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 | $153.5M | $398.4M | 26.52% | 8.76% | 5.16% |
| Q4 2023 | $151.2M | $392.4M | 26.34% | 7.38% | 4.80% |
| Q1 2024 | $151.0M | $400.9M | 25.73% | 6.41% | 4.94% |
| Q2 2024 | $154.4M | $373.7M | 24.61% | 7.64% | 4.96% |
| Q3 2024 | $155.5M | $362.2M | 23.56% | 8.01% | 4.68% |
| Q4 2024 | $157.1M | $375.5M | 23.62% | 8.27% | 5.36% |
| Q1 2025 | $156.4M | $386.1M | 23.57% | 8.53% | 5.70% |
| Q2 2025 | $147.2M | $353.6M | 24.44% | 5.17% | 4.29% |
| Q3 2025 | $149.6M | $356.9M | 23.97% | 4.88% | 3.30% |
| Q4 2025 | $153.0M | $376.0M | 23.64% | 6.18% | 3.33% |
| Q1 2026 | $148.9M | $422.1M | 24.32% | 6.87% | 3.30% |
| Q2 2026 | $149.7M | $399.0M | 27.00% | 7.54% | 2.98% |
Edison National Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Edison National 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 Edison National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34489) · FFIEC NIC profile (RSSD 2594419)