First National Bank of Middle Tennessee: 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) climbed 7.73 percentage points in Q2 2026, from 214.79% to 222.52%. It was the largest change from Q1 2026 among the key lines here. Within Tennessee, First National Bank of Middle Tennessee is 23rd of 109 on loan-to-deposit ratio, 95.57% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 80.94% on loan-to-deposit ratio. First National Bank of Middle Tennessee sits 14.62 points higher, at 95.57% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $791.1M |
| Net loans and leases | $783.5M |
| Loans held for sale | $7.1M |
| Loans to total assets | 83.06% |
| Loan-to-deposit ratio | 95.57% |
| Net loans to equity capital | 8.40% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 29.09% |
| Multifamily (5+ residential) | 1.75% |
| Commercial and industrial | 8.94% |
| Consumer | 0.38% |
| Credit cards | 0.00% |
| Farm | 0.39% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 222.52% |
| Construction concentration (Tier 1 capital + allowance) | 78.03% |
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 | 5.97% |
| Interest income on loans | $11.6M |
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 | $682.8M | $725.0M | 31.19% | 5.32% | 0.36% |
| Q4 2023 | $692.0M | $756.7M | 29.94% | 5.76% | 0.31% |
| Q1 2024 | $692.9M | $751.6M | 30.52% | 5.76% | 0.33% |
| Q2 2024 | $694.2M | $754.7M | 30.68% | 6.45% | 0.35% |
| Q3 2024 | $705.1M | $752.6M | 29.31% | 7.39% | 0.32% |
| Q4 2024 | $695.8M | $788.4M | 30.38% | 7.92% | 0.33% |
| Q1 2025 | $707.4M | $799.4M | 29.86% | 7.51% | 0.39% |
| Q2 2025 | $716.7M | $801.3M | 29.92% | 7.34% | 0.48% |
| Q3 2025 | $727.6M | $815.5M | 29.05% | 7.66% | 0.48% |
| Q4 2025 | $733.1M | $827.8M | 29.77% | 8.04% | 0.43% |
| Q1 2026 | $770.7M | $829.5M | 29.33% | 8.47% | 0.40% |
| Q2 2026 | $791.1M | $827.7M | 29.09% | 8.94% | 0.38% |
First National Bank of Middle Tennessee loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock First National Bank of Middle Tennessee, 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 National Bank of Middle Tennessee profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4952) · FFIEC NIC profile (RSSD 87234)