First Commerce 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 33.79 percentage points in Q2 2026, from 288.76% to 254.97%. It was the largest change from Q1 2026 among the key lines here. First Commerce Bank ranks 40th of 109 Tennessee banks on loan-to-deposit ratio, in the upper half at 86.99% (Q2 2026). First Commerce Bank reported 86.99% on loan-to-deposit ratio for Q2 2026, 6.44 points above the 80.55% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $717.5M |
| Net loans and leases | $711.3M |
| Loans held for sale | $0 |
| Loans to total assets | 76.73% |
| Loan-to-deposit ratio | 86.99% |
| Net loans to equity capital | 7.22% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 26.13% |
| Multifamily (5+ residential) | 2.22% |
| Commercial and industrial | 7.93% |
| Consumer | 3.02% |
| Credit cards | 0.00% |
| Farm | 5.54% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.01% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 254.97% |
| Construction concentration (Tier 1 capital + allowance) | 152.57% |
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 | 7.15% |
| Interest income on loans | $13.0M |
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 | $478.3M | $539.5M | 26.05% | 9.32% | 3.63% |
| Q4 2023 | $495.8M | $567.5M | 27.99% | 8.96% | 3.62% |
| Q1 2024 | $506.6M | $583.4M | 27.55% | 9.00% | 3.48% |
| Q2 2024 | $498.2M | $584.6M | 24.75% | 9.65% | 3.61% |
| Q3 2024 | $511.8M | $591.7M | 24.06% | 9.61% | 3.52% |
| Q4 2024 | $523.9M | $593.2M | 24.31% | 9.34% | 3.32% |
| Q1 2025 | $643.3M | $766.7M | 25.88% | 8.62% | 3.60% |
| Q2 2025 | $659.8M | $757.6M | 25.40% | 8.78% | 3.50% |
| Q3 2025 | $690.0M | $774.7M | 25.52% | 8.19% | 3.33% |
| Q4 2025 | $712.9M | $787.3M | 27.49% | 8.33% | 3.19% |
| Q1 2026 | $724.2M | $829.6M | 26.76% | 8.15% | 3.01% |
| Q2 2026 | $717.5M | $824.8M | 26.13% | 7.93% | 3.02% |
First Commerce Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock First Commerce 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 First Commerce Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57465) · FFIEC NIC profile (RSSD 3153297)