Heritage 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 Construction concentration (Tier 1 capital + allowance): 9.99 percentage points higher than in Q1 2026, at 99.25%. Heritage Bank & Trust ranks 26th of 109 Tennessee banks on loan-to-deposit ratio, in the upper half at 95.22% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Heritage Bank & Trust sits 14.38 points higher, at 95.22% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $359.3M |
| Net loans and leases | $353.5M |
| Loans held for sale | $501K |
| Loans to total assets | 86.00% |
| Loan-to-deposit ratio | 95.22% |
| Net loans to equity capital | 10.57% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 33.13% |
| Multifamily (5+ residential) | 1.49% |
| Commercial and industrial | 2.47% |
| Consumer | 0.81% |
| Credit cards | 0.00% |
| Farm | 2.47% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 262.10% |
| Construction concentration (Tier 1 capital + allowance) | 99.25% |
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 | 6.64% |
| Interest income on loans | $5.9M |
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 | $260.6M | $308.0M | 29.44% | 3.59% | 2.13% |
| Q4 2023 | $277.8M | $321.6M | 29.20% | 3.16% | 2.02% |
| Q1 2024 | $279.8M | $334.1M | 28.49% | 3.80% | 1.25% |
| Q2 2024 | $282.1M | $336.5M | 29.36% | 3.50% | 1.38% |
| Q3 2024 | $286.3M | $344.4M | 29.56% | 3.01% | 1.33% |
| Q4 2024 | $301.5M | $354.0M | 30.86% | 2.86% | 1.22% |
| Q1 2025 | $304.5M | $369.3M | 31.04% | 3.10% | 1.15% |
| Q2 2025 | $307.5M | $356.1M | 30.92% | 2.94% | 1.00% |
| Q3 2025 | $320.8M | $360.2M | 30.65% | 3.04% | 0.88% |
| Q4 2025 | $345.2M | $363.9M | 33.87% | 2.54% | 0.85% |
| Q1 2026 | $353.0M | $373.7M | 33.91% | 2.32% | 0.79% |
| Q2 2026 | $359.3M | $377.3M | 33.13% | 2.47% | 0.81% |
Heritage Bank & Trust loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Heritage 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 Heritage Bank & Trust profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58220) · FFIEC NIC profile (RSSD 3429219)