Insouth 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 CRE concentration (Tier 1 capital + allowance): 9.08 percentage points higher than in Q1 2026, at 295.14%. Within Tennessee, Insouth Bank is 33rd of 109 on loan-to-deposit ratio, 91.35% as of Q2 2026, above the middle of the field. Insouth Bank reported 91.35% on loan-to-deposit ratio for Q2 2026, 10.51 points above the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $459.3M |
| Net loans and leases | $454.1M |
| Loans held for sale | $0 |
| Loans to total assets | 77.60% |
| Loan-to-deposit ratio | 91.35% |
| Net loans to equity capital | 10.08% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 37.12% |
| Multifamily (5+ residential) | 1.15% |
| Commercial and industrial | 14.73% |
| Consumer | 1.58% |
| Credit cards | 0.00% |
| Farm | 4.79% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 295.14% |
| Construction concentration (Tier 1 capital + allowance) | 80.67% |
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 | — |
| Interest income on loans | $7.8M |
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 | $383.8M | $447.2M | 33.99% | 19.43% | 1.89% |
| Q4 2023 | $388.8M | $452.9M | 33.95% | 18.84% | 2.06% |
| Q1 2024 | $387.4M | $464.8M | 34.24% | 17.24% | 2.13% |
| Q2 2024 | $397.2M | $462.7M | 33.28% | 16.95% | 2.00% |
| Q3 2024 | $404.3M | $465.3M | 32.92% | 16.67% | 1.97% |
| Q4 2024 | $408.3M | $476.5M | 34.50% | 15.92% | 1.78% |
| Q1 2025 | $410.7M | $497.4M | 32.43% | 16.57% | 1.79% |
| Q2 2025 | $415.1M | $488.9M | 33.00% | 17.10% | 1.73% |
| Q3 2025 | $437.2M | $484.6M | 34.75% | 16.55% | 1.55% |
| Q4 2025 | $447.6M | $499.3M | 36.61% | 14.82% | 1.45% |
| Q1 2026 | $440.7M | $508.7M | 37.54% | 14.34% | 1.45% |
| Q2 2026 | $459.3M | $502.8M | 37.12% | 14.73% | 1.58% |
Insouth Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Insouth 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 Insouth Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 22020) · FFIEC NIC profile (RSSD 329550)