Insbank: 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): 6.14 percentage points higher than in Q1 2026, at 81.28%. On loan-to-deposit ratio, Insbank ranks 10th highest among the 109 banks headquartered in Tennessee, at 100.91% (Q2 2026). Insbank reported 100.91% on loan-to-deposit ratio for Q2 2026, 12.71 points above the 88.20% median for banks in the $1B-10B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $914.0M |
| Net loans and leases | $902.6M |
| Loans held for sale | $0 |
| Loans to total assets | 84.74% |
| Loan-to-deposit ratio | 100.91% |
| Net loans to equity capital | 8.41% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 39.12% |
| Multifamily (5+ residential) | 2.75% |
| Commercial and industrial | 31.90% |
| Consumer | 0.21% |
| Credit cards | 0.00% |
| Farm | 0.37% |
| Loans to depository institutions | 0.16% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 313.60% |
| Construction concentration (Tier 1 capital + allowance) | 81.28% |
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 | 6.52% |
| Interest income on loans | $14.9M |
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 | $673.3M | $657.8M | 42.12% | 27.14% | 0.97% |
| Q4 2023 | $681.6M | $686.2M | 40.12% | 28.93% | 0.89% |
| Q1 2024 | $677.5M | $671.8M | 41.55% | 28.61% | 0.98% |
| Q2 2024 | $684.5M | $679.8M | 41.49% | 28.96% | 0.91% |
| Q3 2024 | $702.5M | $719.0M | 40.14% | 29.49% | 0.88% |
| Q4 2024 | $764.8M | $750.7M | 38.80% | 30.05% | 0.79% |
| Q1 2025 | $784.3M | $786.9M | 38.52% | 29.97% | 0.80% |
| Q2 2025 | $797.9M | $800.0M | 40.62% | 30.79% | 0.82% |
| Q3 2025 | $808.6M | $832.3M | 40.49% | 31.34% | 0.48% |
| Q4 2025 | $863.9M | $897.7M | 40.59% | 30.85% | 0.19% |
| Q1 2026 | $895.7M | $924.4M | 38.60% | 32.13% | 0.24% |
| Q2 2026 | $914.0M | $905.8M | 39.12% | 31.90% | 0.21% |
Insbank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Insbank, 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 Insbank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 35521) · FFIEC NIC profile (RSSD 2877345)