Home Banking Company: 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.
Loan-to-deposit ratio climbed 3.36 percentage points in Q2 2026, from 52.80% to 56.16%. It was the largest change from Q1 2026 among the key lines here. Home Banking Company has the 7th lowest loan-to-deposit ratio of the 109 banks headquartered in Tennessee, at 56.16% as of Q2 2026. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Home Banking Company sits 24.68 points lower, at 56.16% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $62.6M |
| Net loans and leases | $62.0M |
| Loans held for sale | $0 |
| Loans to total assets | 50.51% |
| Loan-to-deposit ratio | 56.16% |
| Net loans to equity capital | 5.58% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 13.04% |
| Multifamily (5+ residential) | 0.51% |
| Commercial and industrial | 7.75% |
| Consumer | 12.36% |
| Credit cards | 0.00% |
| Farm | 0.50% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 83.53% |
| Construction concentration (Tier 1 capital + allowance) | 61.11% |
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 | 7.91% |
| Interest income on loans | $1.2M |
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 | $65.3M | $125.0M | 11.80% | 14.00% | 14.12% |
| Q4 2023 | $67.8M | $131.3M | 11.14% | 12.95% | 13.89% |
| Q1 2024 | $70.8M | $141.1M | 11.13% | 13.48% | 13.48% |
| Q2 2024 | $71.1M | $133.7M | 11.38% | 12.89% | 13.25% |
| Q3 2024 | $68.9M | $129.1M | 11.42% | 13.74% | 12.73% |
| Q4 2024 | $67.5M | $129.0M | 13.30% | 14.12% | 12.84% |
| Q1 2025 | $65.9M | $130.3M | 13.47% | 14.85% | 12.36% |
| Q2 2025 | $62.3M | $115.9M | 13.35% | 13.61% | 12.16% |
| Q3 2025 | $60.3M | $107.8M | 12.72% | 12.66% | 11.83% |
| Q4 2025 | $60.4M | $111.1M | 13.33% | 9.09% | 11.54% |
| Q1 2026 | $62.0M | $117.3M | 12.87% | 9.20% | 12.39% |
| Q2 2026 | $62.6M | $111.5M | 13.04% | 7.75% | 12.36% |
Home Banking Company loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Home Banking Company, 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 Home Banking Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9196) · FFIEC NIC profile (RSSD 138556)