First National Bank of Pulaski: 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.
The standout move of Q2 2026 was in CRE concentration (Tier 1 capital + allowance): 3.92 percentage points lower than in Q1 2026, at 178.82%. Within Tennessee, First National Bank of Pulaski is 72nd of 109 on loan-to-deposit ratio, 77.26% as of Q2 2026, below the middle of the field. First National Bank of Pulaski reported 77.26% on loan-to-deposit ratio for Q2 2026, 10.94 points below the 88.20% median for banks in the $1B-10B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $1.03B |
| Net loans and leases | $1.02B |
| Loans held for sale | $1.2M |
| Loans to total assets | 68.70% |
| Loan-to-deposit ratio | 77.26% |
| Net loans to equity capital | 6.75% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 35.51% |
| Multifamily (5+ residential) | 1.23% |
| Commercial and industrial | 4.99% |
| Consumer | 2.00% |
| Credit cards | 0.00% |
| Farm | 6.25% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 2.20% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 178.82% |
| Construction concentration (Tier 1 capital + allowance) | 78.76% |
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 | 6.76% |
| Interest income on loans | $17.3M |
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 | $872.2M | $1.19B | 33.30% | 4.80% | 3.17% |
| Q4 2023 | $895.4M | $1.21B | 32.85% | 4.87% | 2.94% |
| Q1 2024 | $912.9M | $1.27B | 33.75% | 4.97% | 2.47% |
| Q2 2024 | $932.4M | $1.26B | 34.77% | 5.27% | 2.43% |
| Q3 2024 | $950.9M | $1.25B | 35.88% | 5.36% | 2.41% |
| Q4 2024 | $961.5M | $1.26B | 35.92% | 5.30% | 2.26% |
| Q1 2025 | $973.0M | $1.28B | 36.00% | 5.44% | 2.24% |
| Q2 2025 | $997.0M | $1.30B | 37.09% | 5.04% | 2.07% |
| Q3 2025 | $1.02B | $1.29B | 36.64% | 5.25% | 2.00% |
| Q4 2025 | $1.01B | $1.34B | 35.93% | 5.10% | 1.88% |
| Q1 2026 | $1.01B | $1.34B | 35.20% | 4.93% | 1.94% |
| Q2 2026 | $1.03B | $1.33B | 35.51% | 4.99% | 2.00% |
First National Bank of Pulaski loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock First National Bank of Pulaski, 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 Pulaski profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15572) · FFIEC NIC profile (RSSD 972732)