The Lauderdale County 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 4.47 percentage points in Q2 2026, from 47.10% to 51.57%. It was the largest change from Q1 2026 among the key lines here. The Lauderdale County Bank has the 4th lowest loan-to-deposit ratio of the 109 banks headquartered in Tennessee, at 51.57% as of Q2 2026. The Lauderdale County Bank reported 51.57% on loan-to-deposit ratio for Q2 2026, 16.36 points below the 67.92% median for banks in the < $100M asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $30.9M |
| Net loans and leases | $30.5M |
| Loans held for sale | $0 |
| Loans to total assets | 45.73% |
| Loan-to-deposit ratio | 51.57% |
| Net loans to equity capital | 4.71% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 7.50% |
| Multifamily (5+ residential) | 0.66% |
| Commercial and industrial | 43.90% |
| Consumer | 14.62% |
| Credit cards | 0.00% |
| Farm | 3.74% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 9.41% |
| Construction concentration (Tier 1 capital + allowance) | 1.37% |
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 | 7.90% |
| Interest income on loans | $600K |
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 | $27.0M | $55.3M | 4.76% | 41.56% | 17.33% |
| Q4 2023 | $27.2M | $58.8M | 4.64% | 43.64% | 15.83% |
| Q1 2024 | $28.1M | $56.6M | 4.13% | 44.96% | 15.57% |
| Q2 2024 | $27.6M | $55.6M | 4.13% | 45.73% | 15.78% |
| Q3 2024 | $27.0M | $55.5M | 5.09% | 44.72% | 15.60% |
| Q4 2024 | $26.7M | $55.6M | 5.02% | 45.81% | 16.05% |
| Q1 2025 | $28.2M | $57.7M | 4.49% | 44.53% | 15.28% |
| Q2 2025 | $29.2M | $55.9M | 4.24% | 43.67% | 15.47% |
| Q3 2025 | $29.4M | $55.4M | 5.97% | 43.68% | 14.74% |
| Q4 2025 | $29.6M | $59.7M | 6.49% | 45.94% | 14.10% |
| Q1 2026 | $29.7M | $63.0M | 6.63% | 45.89% | 14.60% |
| Q2 2026 | $30.9M | $59.9M | 7.50% | 43.90% | 14.62% |
The Lauderdale County Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The Lauderdale County 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 Lauderdale County Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 22835) · FFIEC NIC profile (RSSD 82350)