Florida Capital Bank, N.A.: 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 Construction concentration (Tier 1 capital + allowance): 11.35 percentage points lower than in Q1 2026, at 21.77%. Within Florida, Florida Capital Bank, N.A. is 29th of 81 on loan-to-deposit ratio, 84.54% as of Q2 2026, above the middle of the field. Florida Capital Bank, N.A. reported 84.54% on loan-to-deposit ratio for Q2 2026, 3.70 points above the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $540.9M |
| Net loans and leases | $534.5M |
| Loans held for sale | $88.8M |
| Loans to total assets | 75.85% |
| Loan-to-deposit ratio | 84.54% |
| Net loans to equity capital | 7.64% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 41.58% |
| Multifamily (5+ residential) | 0.37% |
| Commercial and industrial | 5.43% |
| Consumer | 0.00% |
| Credit cards | 0.00% |
| Farm | 0.08% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 226.08% |
| Construction concentration (Tier 1 capital + allowance) | 21.77% |
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 | $7.3M |
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 | $407.4M | $350.3M | 36.99% | 6.41% | 0.00% |
| Q4 2023 | $420.0M | $432.9M | 36.14% | 6.21% | 0.00% |
| Q1 2024 | $445.8M | $451.1M | 34.95% | 6.09% | 0.00% |
| Q2 2024 | $479.4M | $441.9M | 33.22% | 7.25% | 0.00% |
| Q3 2024 | $484.1M | $464.7M | 35.04% | 7.48% | 0.00% |
| Q4 2024 | $463.7M | $581.8M | 38.55% | 7.46% | 0.00% |
| Q1 2025 | $483.2M | $543.3M | 39.61% | 7.02% | 0.00% |
| Q2 2025 | $511.6M | $585.9M | 38.84% | 7.35% | 0.00% |
| Q3 2025 | $500.0M | $577.6M | 40.61% | 6.67% | 0.00% |
| Q4 2025 | $499.8M | $581.3M | 41.52% | 5.51% | 0.00% |
| Q1 2026 | $516.6M | $641.3M | 40.43% | 5.37% | 0.00% |
| Q2 2026 | $540.9M | $639.8M | 41.58% | 5.43% | 0.00% |
Florida Capital Bank, N.A. loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Florida Capital Bank, N.A., 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 Florida Capital Bank, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 26323) · FFIEC NIC profile (RSSD 188430)