Grove Bank & Trust: 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): 8.17 percentage points higher than in Q1 2026, at 273.21%. Grove Bank & Trust ranks 53rd of 81 Florida banks on loan-to-deposit ratio, in the lower half at 71.77% (Q2 2026). Grove Bank & Trust reported 71.77% on loan-to-deposit ratio for Q2 2026, 16.43 points below the 88.20% median for banks in the $1B-10B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $865.8M |
| Net loans and leases | $853.8M |
| Loans held for sale | $0 |
| Loans to total assets | 61.23% |
| Loan-to-deposit ratio | 71.77% |
| Net loans to equity capital | 6.16% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 40.35% |
| Multifamily (5+ residential) | 10.69% |
| Commercial and industrial | 26.45% |
| Consumer | 1.31% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 273.21% |
| Construction concentration (Tier 1 capital + allowance) | 22.86% |
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 | 5.82% |
| Interest income on loans | $12.2M |
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 | $428.9M | $841.7M | 61.42% | 10.18% | 1.86% |
| Q4 2023 | $506.3M | $797.0M | 55.10% | 14.04% | 2.78% |
| Q1 2024 | $543.0M | $871.1M | 49.14% | 17.52% | 2.45% |
| Q2 2024 | $604.8M | $935.7M | 45.88% | 17.91% | 2.30% |
| Q3 2024 | $620.6M | $952.1M | 45.45% | 19.59% | 2.05% |
| Q4 2024 | $695.8M | $952.6M | 46.34% | 18.68% | 1.82% |
| Q1 2025 | $746.2M | $1.13B | 45.69% | 20.35% | 1.69% |
| Q2 2025 | $778.4M | $1.21B | 45.03% | 21.98% | 1.61% |
| Q3 2025 | $792.1M | $1.15B | 43.85% | 23.30% | 1.75% |
| Q4 2025 | $820.0M | $1.15B | 40.74% | 25.31% | 0.99% |
| Q1 2026 | $830.3M | $1.18B | 39.95% | 25.68% | 1.30% |
| Q2 2026 | $865.8M | $1.21B | 40.35% | 26.45% | 1.31% |
Grove Bank & Trust loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Grove Bank & Trust, 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 Grove Bank & Trust profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8018) · FFIEC NIC profile (RSSD 648130)