The Jefferson 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.
Loan-to-deposit ratio climbed 4.54 percentage points in Q2 2026, from 89.44% to 93.98%. It was the largest change from Q1 2026 among the key lines here. On loan-to-deposit ratio, The Jefferson Bank ranks 4th highest among the 57 banks headquartered in Mississippi, at 93.98% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. The Jefferson Bank sits 13.14 points higher, at 93.98% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $164.3M |
| Net loans and leases | $156.7M |
| Loans held for sale | $0 |
| Loans to total assets | 77.95% |
| Loan-to-deposit ratio | 93.98% |
| Net loans to equity capital | 4.47% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 29.53% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 6.54% |
| Consumer | 0.05% |
| Credit cards | 0.00% |
| Farm | 24.26% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 36.90% |
| Construction concentration (Tier 1 capital + allowance) | 30.58% |
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 | 9.68% |
| Interest income on loans | $3.5M |
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 | $112.4M | $122.9M | 26.77% | 9.47% | 0.09% |
| Q4 2023 | $114.9M | $124.2M | 27.56% | 12.23% | 0.10% |
| Q1 2024 | $123.0M | $137.5M | 27.92% | 10.28% | 0.09% |
| Q2 2024 | $130.9M | $144.3M | 26.23% | 9.36% | 0.08% |
| Q3 2024 | $128.1M | $138.3M | 28.75% | 10.07% | 0.09% |
| Q4 2024 | $124.0M | $140.0M | 29.64% | 10.67% | 0.09% |
| Q1 2025 | $131.1M | $133.4M | 27.72% | 9.77% | 0.08% |
| Q2 2025 | $133.4M | $147.2M | 27.70% | 8.59% | 0.08% |
| Q3 2025 | $137.2M | $147.9M | 26.66% | 8.41% | 0.07% |
| Q4 2025 | $125.4M | $161.5M | 28.02% | 8.65% | 0.06% |
| Q1 2026 | $149.7M | $167.4M | 30.32% | 6.58% | 0.06% |
| Q2 2026 | $164.3M | $174.8M | 29.53% | 6.54% | 0.05% |
The Jefferson Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The Jefferson 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 The Jefferson Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11445) · FFIEC NIC profile (RSSD 703039)