First Vision 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.
Loan-to-deposit ratio climbed 4.09 percentage points in Q2 2026, from 79.04% to 83.13%. It was the largest change from Q1 2026 among the key lines here. Within Tennessee, First Vision Bank of Tennessee is 55th of 109 on loan-to-deposit ratio, 83.13% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio; First Vision Bank of Tennessee reported 83.13% for Q2 2026, nearly level with it.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $296.8M |
| Net loans and leases | $293.0M |
| Loans held for sale | $0 |
| Loans to total assets | 71.67% |
| Loan-to-deposit ratio | 83.13% |
| Net loans to equity capital | 5.74% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 33.89% |
| Multifamily (5+ residential) | 2.05% |
| Commercial and industrial | 8.13% |
| Consumer | 2.29% |
| Credit cards | 0.00% |
| Farm | 4.02% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 154.46% |
| Construction concentration (Tier 1 capital + allowance) | 71.08% |
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 | — |
| Interest income on loans | $5.0M |
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 | $360.5M | $386.0M | 27.87% | 7.15% | 1.96% |
| Q4 2023 | $361.6M | $392.8M | 27.07% | 7.91% | 1.79% |
| Q1 2024 | $347.8M | $413.6M | 30.60% | 8.22% | 1.83% |
| Q2 2024 | $325.9M | $398.1M | 31.84% | 7.88% | 2.02% |
| Q3 2024 | $312.4M | $384.6M | 33.70% | 7.08% | 2.08% |
| Q4 2024 | $293.9M | $410.7M | 31.80% | 9.12% | 2.08% |
| Q1 2025 | $293.6M | $412.8M | 31.03% | 9.18% | 2.34% |
| Q2 2025 | $298.6M | $374.1M | 31.82% | 8.51% | 2.74% |
| Q3 2025 | $297.7M | $359.9M | 33.45% | 8.49% | 2.47% |
| Q4 2025 | $300.1M | $369.2M | 34.26% | 9.42% | 2.48% |
| Q1 2026 | $290.1M | $367.0M | 33.55% | 7.62% | 2.34% |
| Q2 2026 | $296.8M | $357.0M | 33.89% | 8.13% | 2.29% |
First Vision Bank of Tennessee loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock First Vision 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 Vision Bank of Tennessee profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58201) · FFIEC NIC profile (RSSD 3350658)