Local 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.
CRE concentration (Tier 1 capital + allowance) climbed 15.46 percentage points in Q2 2026, from 187.80% to 203.26%. It was the largest change from Q1 2026 among the key lines here. Among 93 Alabama banks, Local Bank sits 7th from the top on loan-to-deposit ratio, 98.74% as of Q2 2026. The median for banks in the $100M-1B asset tier is 80.55% on loan-to-deposit ratio. Local Bank sits 18.18 points higher, at 98.74% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $86.3M |
| Net loans and leases | $85.6M |
| Loans held for sale | $10.5M |
| Loans to total assets | 77.58% |
| Loan-to-deposit ratio | 98.74% |
| Net loans to equity capital | 5.01% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 21.02% |
| Multifamily (5+ residential) | 4.35% |
| Commercial and industrial | 10.70% |
| Consumer | 1.52% |
| Credit cards | 0.00% |
| Farm | 1.80% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 203.26% |
| Construction concentration (Tier 1 capital + allowance) | 109.11% |
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 | 8.46% |
| Interest income on loans | $1.6M |
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 | $25.0M | $27.3M | 21.08% | 2.60% | 5.48% |
| Q4 2023 | $35.4M | $35.9M | 22.65% | 5.47% | 3.78% |
| Q1 2024 | $40.6M | $41.7M | 20.30% | 7.64% | 3.15% |
| Q2 2024 | $42.3M | $44.6M | 19.55% | 7.08% | 2.44% |
| Q3 2024 | $45.4M | $46.1M | 19.93% | 7.70% | 2.15% |
| Q4 2024 | $60.9M | $58.8M | 21.61% | 8.92% | 2.06% |
| Q1 2025 | $65.8M | $64.5M | 21.36% | 10.19% | 1.63% |
| Q2 2025 | $73.6M | $74.9M | 20.19% | 10.45% | 1.44% |
| Q3 2025 | $75.8M | $85.8M | 19.62% | 11.38% | 1.29% |
| Q4 2025 | $81.3M | $84.7M | 23.38% | 11.46% | 1.49% |
| Q1 2026 | $86.0M | $78.3M | 19.45% | 11.41% | 1.41% |
| Q2 2026 | $86.3M | $87.5M | 21.02% | 10.70% | 1.52% |
Local Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Local 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 Local Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9614) · FFIEC NIC profile (RSSD 470434)