Homeland 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 Construction concentration (Tier 1 capital + allowance): 10.82 percentage points higher than in Q1 2026, at 94.43%. On loan-to-deposit ratio, Homeland Community Bank is 10th from the bottom among 109 Tennessee banks, 60.34% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Homeland Community Bank sits 20.50 points lower, at 60.34% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $137.1M |
| Net loans and leases | $135.9M |
| Loans held for sale | $0 |
| Loans to total assets | 56.17% |
| Loan-to-deposit ratio | 60.34% |
| Net loans to equity capital | 9.56% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 21.06% |
| Multifamily (5+ residential) | 0.27% |
| Commercial and industrial | 14.61% |
| Consumer | 3.37% |
| Credit cards | 0.00% |
| Farm | 3.03% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 133.11% |
| Construction concentration (Tier 1 capital + allowance) | 94.43% |
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 | 6.70% |
| Interest income on loans | $2.3M |
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 | $122.6M | $210.6M | 19.57% | 15.16% | 4.60% |
| Q4 2023 | $124.9M | $210.6M | 19.52% | 15.69% | 4.57% |
| Q1 2024 | $125.4M | $213.8M | 20.51% | 15.63% | 4.61% |
| Q2 2024 | $130.8M | $220.1M | 20.16% | 16.59% | 5.03% |
| Q3 2024 | $130.4M | $218.8M | 19.86% | 16.22% | 4.31% |
| Q4 2024 | $133.3M | $223.7M | 19.83% | 16.45% | 4.01% |
| Q1 2025 | $137.4M | $232.9M | 22.08% | 16.14% | 3.50% |
| Q2 2025 | $135.0M | $232.2M | 21.44% | 16.27% | 3.52% |
| Q3 2025 | $134.6M | $224.1M | 24.61% | 15.78% | 3.55% |
| Q4 2025 | $132.9M | $211.8M | 24.67% | 15.39% | 3.48% |
| Q1 2026 | $134.6M | $220.7M | 22.07% | 15.38% | 3.42% |
| Q2 2026 | $137.1M | $227.2M | 21.06% | 14.61% | 3.37% |
Homeland Community Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Homeland 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 Homeland Community Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57632) · FFIEC NIC profile (RSSD 3223408)