Flagship 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.
The standout move of Q2 2026 was in CRE concentration (Tier 1 capital + allowance): 35.81 percentage points higher than in Q1 2026, at 391.14%. Within Florida, Flagship Bank is 13th of 81 on loan-to-deposit ratio, 93.99% as of Q2 2026. The median for banks in the $100M-1B asset tier is 80.55% on loan-to-deposit ratio. Flagship Bank sits 13.43 points higher, at 93.99% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $630.1M |
| Net loans and leases | $623.9M |
| Loans held for sale | $0 |
| Loans to total assets | 78.48% |
| Loan-to-deposit ratio | 93.99% |
| Net loans to equity capital | 6.38% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 60.88% |
| Multifamily (5+ residential) | 5.70% |
| Commercial and industrial | 9.23% |
| Consumer | 0.39% |
| Credit cards | 0.00% |
| Farm | 0.25% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 391.14% |
| Construction concentration (Tier 1 capital + allowance) | 69.25% |
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 | 5.89% |
| Interest income on loans | $8.8M |
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 | $482.8M | $517.8M | 64.27% | 9.64% | 0.78% |
| Q4 2023 | $484.9M | $561.6M | 63.18% | 9.51% | 0.76% |
| Q1 2024 | $508.8M | $568.6M | 63.36% | 9.23% | 0.72% |
| Q2 2024 | $510.9M | $574.6M | 62.80% | 8.81% | 0.68% |
| Q3 2024 | $516.8M | $567.7M | 61.86% | 8.21% | 0.65% |
| Q4 2024 | $525.2M | $558.3M | 60.99% | 8.34% | 0.62% |
| Q1 2025 | $536.0M | $602.1M | 61.39% | 8.38% | 0.62% |
| Q2 2025 | $560.6M | $601.2M | 60.70% | 8.50% | 0.52% |
| Q3 2025 | $567.3M | $599.8M | 58.56% | 8.78% | 0.39% |
| Q4 2025 | $581.8M | $602.1M | 57.32% | 8.98% | 0.43% |
| Q1 2026 | $585.4M | $660.9M | 57.16% | 10.15% | 0.49% |
| Q2 2026 | $630.1M | $670.4M | 60.88% | 9.23% | 0.39% |
Flagship Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Flagship 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 Flagship Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58113) · FFIEC NIC profile (RSSD 3404999)