Lumbee Guaranty 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.
The standout move of Q2 2026 was in CRE concentration (Tier 1 capital + allowance): 2.36 percentage points higher than in Q1 2026, at 110.25%. On loan-to-deposit ratio, Lumbee Guaranty Bank is 2nd from the bottom among 38 North Carolina banks, 49.35% (Q2 2026). Lumbee Guaranty Bank reported 49.35% on loan-to-deposit ratio for Q2 2026, 31.49 points below the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $242.0M |
| Net loans and leases | $240.8M |
| Loans held for sale | $0 |
| Loans to total assets | 41.48% |
| Loan-to-deposit ratio | 49.35% |
| Net loans to equity capital | 4.62% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 32.64% |
| Multifamily (5+ residential) | 8.71% |
| Commercial and industrial | 6.15% |
| Consumer | 2.76% |
| Credit cards | 0.00% |
| Farm | 1.46% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 3.03% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 110.25% |
| Construction concentration (Tier 1 capital + allowance) | 20.28% |
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 | 6.39% |
| Interest income on loans | $3.8M |
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 | $192.6M | $447.4M | 41.36% | 8.17% | 3.23% |
| Q4 2023 | $196.0M | $466.4M | 40.54% | 8.54% | 3.22% |
| Q1 2024 | $196.3M | $459.5M | 40.20% | 8.41% | 3.27% |
| Q2 2024 | $204.3M | $463.1M | 38.49% | 8.97% | 3.48% |
| Q3 2024 | $212.5M | $466.5M | 37.30% | 6.78% | 3.15% |
| Q4 2024 | $218.0M | $466.1M | 37.78% | 6.56% | 2.98% |
| Q1 2025 | $218.9M | $452.7M | 37.24% | 6.36% | 3.22% |
| Q2 2025 | $223.8M | $466.5M | 36.10% | 6.04% | 3.22% |
| Q3 2025 | $225.8M | $485.3M | 35.58% | 6.32% | 3.05% |
| Q4 2025 | $229.9M | $496.4M | 34.32% | 6.28% | 3.03% |
| Q1 2026 | $234.0M | $494.1M | 32.61% | 6.23% | 2.79% |
| Q2 2026 | $242.0M | $490.4M | 32.64% | 6.15% | 2.76% |
Lumbee Guaranty Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Lumbee Guaranty 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 Lumbee Guaranty Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 20568) · FFIEC NIC profile (RSSD 651121)