First National Bank of 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.
The standout move of Q2 2026 was in CRE concentration (Tier 1 capital + allowance): 5.67 percentage points lower than in Q1 2026, at 161.76%. On loan-to-deposit ratio, First National Bank of Tennessee is 9th from the bottom among 109 Tennessee banks, 59.41% (Q2 2026). First National Bank of Tennessee reported 59.41% on loan-to-deposit ratio for Q2 2026, 28.79 points below the 88.20% median for banks in the $1B-10B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $713.8M |
| Net loans and leases | $704.4M |
| Loans held for sale | $0 |
| Loans to total assets | 51.73% |
| Loan-to-deposit ratio | 59.41% |
| Net loans to equity capital | 4.46% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 29.97% |
| Multifamily (5+ residential) | 7.26% |
| Commercial and industrial | 8.74% |
| Consumer | 3.38% |
| Credit cards | 0.00% |
| Farm | 2.82% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 161.76% |
| Construction concentration (Tier 1 capital + allowance) | 33.89% |
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 | 6.39% |
| Interest income on loans | $11.3M |
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 | $648.2M | $1.12B | 30.49% | 11.73% | 3.80% |
| Q4 2023 | $661.3M | $1.13B | 30.81% | 13.61% | 3.67% |
| Q1 2024 | $678.5M | $1.15B | 30.44% | 12.89% | 3.64% |
| Q2 2024 | $691.4M | $1.15B | 31.07% | 12.42% | 3.81% |
| Q3 2024 | $689.2M | $1.15B | 30.01% | 10.81% | 3.91% |
| Q4 2024 | $718.2M | $1.17B | 29.46% | 11.77% | 3.67% |
| Q1 2025 | $689.3M | $1.17B | 29.02% | 11.03% | 3.72% |
| Q2 2025 | $707.8M | $1.16B | 29.03% | 10.84% | 3.59% |
| Q3 2025 | $717.1M | $1.17B | 28.53% | 10.65% | 3.46% |
| Q4 2025 | $716.7M | $1.19B | 27.98% | 10.64% | 3.34% |
| Q1 2026 | $698.6M | $1.19B | 30.40% | 8.84% | 3.38% |
| Q2 2026 | $713.8M | $1.20B | 29.97% | 8.74% | 3.38% |
First National Bank of 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 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 Tennessee profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 19502) · FFIEC NIC profile (RSSD 283737)