Locality 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 34.27 percentage points in Q2 2026, from 299.68% to 333.95%. It was the largest change from Q1 2026 among the key lines here. Within Florida, Locality Bank is 22nd of 81 on loan-to-deposit ratio, 90.62% as of Q2 2026, above the middle of the field. Locality Bank reported 90.62% on loan-to-deposit ratio for Q2 2026, 9.78 points above the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $313.6M |
| Net loans and leases | $308.5M |
| Loans held for sale | $0 |
| Loans to total assets | 79.13% |
| Loan-to-deposit ratio | 90.62% |
| Net loans to equity capital | 6.35% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 72.05% |
| Multifamily (5+ residential) | 3.65% |
| Commercial and industrial | 7.19% |
| Consumer | 0.00% |
| Credit cards | 0.00% |
| Farm | 0.29% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 333.95% |
| Construction concentration (Tier 1 capital + allowance) | 47.84% |
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 | $5.4M |
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 | $114.2M | $130.0M | 70.27% | 7.69% | 0.00% |
| Q4 2023 | $130.7M | $158.7M | 71.20% | 7.19% | 0.00% |
| Q1 2024 | $139.4M | $170.0M | 70.10% | 9.88% | 0.00% |
| Q2 2024 | $167.2M | $199.6M | 67.53% | 12.92% | 0.00% |
| Q3 2024 | $197.8M | $224.4M | 64.06% | 16.84% | 0.00% |
| Q4 2024 | $208.7M | $243.0M | 66.32% | 14.42% | 0.00% |
| Q1 2025 | $235.8M | $255.4M | 64.88% | 13.66% | 0.00% |
| Q2 2025 | $232.7M | $249.6M | 67.82% | 12.85% | 0.00% |
| Q3 2025 | $254.6M | $311.4M | 67.85% | 8.69% | 0.00% |
| Q4 2025 | $273.6M | $296.9M | 71.97% | 8.09% | 0.00% |
| Q1 2026 | $292.3M | $294.1M | 69.37% | 8.50% | 0.00% |
| Q2 2026 | $313.6M | $346.0M | 72.05% | 7.19% | 0.00% |
Locality Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Locality 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 Locality Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 59278) · FFIEC NIC profile (RSSD 5673191)