Harpeth 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.
CRE concentration (Tier 1 capital + allowance) dropped 28.06 percentage points in Q2 2026, from 166.16% to 138.11%. It was the largest change from Q1 2026 among the key lines here. Harpeth Bank & Trust ranks 80th of 109 Tennessee banks on loan-to-deposit ratio, in the lower half at 73.16% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.55% on loan-to-deposit ratio. Harpeth Bank & Trust sits 7.39 points lower, at 73.16% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $124.8M |
| Net loans and leases | $122.6M |
| Loans held for sale | $385K |
| Loans to total assets | 63.11% |
| Loan-to-deposit ratio | 73.16% |
| Net loans to equity capital | 4.88% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 19.91% |
| Multifamily (5+ residential) | 1.06% |
| Commercial and industrial | 10.79% |
| Consumer | 0.83% |
| Credit cards | 0.00% |
| Farm | 0.42% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 138.11% |
| Construction concentration (Tier 1 capital + allowance) | 79.23% |
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 | 6.65% |
| Interest income on loans | $1.9M |
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 | $142.6M | $209.4M | 20.55% | 7.40% | 0.99% |
| Q4 2023 | $143.7M | $262.9M | 20.85% | 7.36% | 0.98% |
| Q1 2024 | $133.6M | $294.5M | 22.12% | 7.49% | 0.96% |
| Q2 2024 | $132.6M | $248.5M | 21.81% | 7.64% | 0.87% |
| Q3 2024 | $121.2M | $190.9M | 22.69% | 7.54% | 0.91% |
| Q4 2024 | $117.0M | $203.4M | 23.38% | 7.06% | 0.90% |
| Q1 2025 | $115.0M | $182.9M | 22.30% | 7.11% | 0.84% |
| Q2 2025 | $113.7M | $173.3M | 22.28% | 7.76% | 0.85% |
| Q3 2025 | $112.5M | $171.7M | 23.49% | 7.38% | 0.80% |
| Q4 2025 | $107.9M | $154.3M | 22.85% | 6.59% | 0.83% |
| Q1 2026 | $110.7M | $166.0M | 23.20% | 7.69% | 0.69% |
| Q2 2026 | $124.8M | $170.6M | 19.91% | 10.79% | 0.83% |
Harpeth Bank & Trust loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Harpeth 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 Harpeth Bank & Trust profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 6100) · FFIEC NIC profile (RSSD 321152)