Four Corners Community 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): 19.40 percentage points higher than in Q1 2026, at 266.58%. Within New Mexico, Four Corners Community Bank is 6th of 29 on loan-to-deposit ratio, 79.11% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio; Four Corners Community Bank reported 79.11% for Q2 2026, nearly level with it.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $450.3M |
| Net loans and leases | $442.9M |
| Loans held for sale | $0 |
| Loans to total assets | 67.98% |
| Loan-to-deposit ratio | 79.11% |
| Net loans to equity capital | 7.73% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 46.52% |
| Multifamily (5+ residential) | 5.25% |
| Commercial and industrial | 19.18% |
| Consumer | 11.08% |
| Credit cards | 0.00% |
| Farm | 0.68% |
| Loans to depository institutions | 0.58% |
| State and political subdivisions | 0.64% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 266.58% |
| Construction concentration (Tier 1 capital + allowance) | 27.83% |
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 | 6.83% |
| Interest income on loans | $7.5M |
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 | $324.2M | $427.7M | 45.40% | 19.48% | 14.86% |
| Q4 2023 | $330.6M | $419.1M | 42.94% | 21.91% | 15.32% |
| Q1 2024 | $338.0M | $436.4M | 43.22% | 19.81% | 15.02% |
| Q2 2024 | $345.0M | $446.8M | 42.18% | 19.11% | 16.46% |
| Q3 2024 | $340.8M | $464.9M | 45.06% | 16.65% | 15.30% |
| Q4 2024 | $350.9M | $473.8M | 46.16% | 17.54% | 14.76% |
| Q1 2025 | $359.7M | $491.0M | 45.13% | 19.26% | 13.85% |
| Q2 2025 | $367.1M | $498.2M | 44.13% | 17.28% | 13.32% |
| Q3 2025 | $401.9M | $531.3M | 42.29% | 19.26% | 12.89% |
| Q4 2025 | $424.3M | $545.6M | 42.45% | 20.00% | 12.12% |
| Q1 2026 | $423.2M | $544.8M | 44.16% | 19.76% | 12.24% |
| Q2 2026 | $450.3M | $569.1M | 46.52% | 19.18% | 11.08% |
Four Corners Community Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Four Corners Community 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 Four Corners Community Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 35441) · FFIEC NIC profile (RSSD 2855866)