Liberty 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.
Construction concentration (Tier 1 capital + allowance) climbed 8.59 percentage points in Q2 2026, from 84.04% to 92.63%. It was the largest change from Q1 2026 among the key lines here. Liberty Bank ranks 24th of 93 Alabama banks on loan-to-deposit ratio, in the upper half at 80.06% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.55% on loan-to-deposit ratio; Liberty Bank reported 80.06% for Q2 2026, nearly level with it.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $184.0M |
| Net loans and leases | $182.2M |
| Loans held for sale | $0 |
| Loans to total assets | 71.18% |
| Loan-to-deposit ratio | 80.06% |
| Net loans to equity capital | 6.64% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 22.91% |
| Multifamily (5+ residential) | 1.80% |
| Commercial and industrial | 6.76% |
| Consumer | 6.45% |
| Credit cards | 0.00% |
| Farm | 1.41% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 1.26% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 158.83% |
| Construction concentration (Tier 1 capital + allowance) | 92.63% |
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 | 7.85% |
| 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 | $121.2M | $169.7M | 24.69% | 7.70% | 9.69% |
| Q4 2023 | $125.0M | $167.9M | 22.69% | 7.07% | 9.83% |
| Q1 2024 | $129.3M | $179.3M | 21.72% | 8.29% | 9.77% |
| Q2 2024 | $137.9M | $179.8M | 22.42% | 8.53% | 9.36% |
| Q3 2024 | $141.0M | $181.5M | 21.70% | 8.45% | 9.32% |
| Q4 2024 | $141.2M | $183.8M | 21.83% | 8.25% | 9.09% |
| Q1 2025 | $151.9M | $188.9M | 20.58% | 8.14% | 8.41% |
| Q2 2025 | $155.8M | $192.3M | 21.84% | 7.87% | 8.15% |
| Q3 2025 | $161.6M | $204.8M | 21.38% | 7.63% | 8.05% |
| Q4 2025 | $168.1M | $209.4M | 23.92% | 6.72% | 7.71% |
| Q1 2026 | $177.1M | $211.0M | 23.49% | 6.57% | 7.20% |
| Q2 2026 | $184.0M | $229.9M | 22.91% | 6.76% | 6.45% |
Liberty Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Liberty 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 Liberty Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 20429) · FFIEC NIC profile (RSSD 386432)