Merit 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 19.87 percentage points in Q2 2026, from 187.73% to 207.61%. It was the largest change from Q1 2026 among the key lines here. Within Alabama, Merit Bank is 11th of 93 on loan-to-deposit ratio, 89.61% as of Q2 2026, above the middle of the field. Merit Bank reported 89.61% on loan-to-deposit ratio for Q2 2026, 8.77 points above the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $400.2M |
| Net loans and leases | $396.4M |
| Loans held for sale | $1.8M |
| Loans to total assets | 68.81% |
| Loan-to-deposit ratio | 89.61% |
| Net loans to equity capital | 7.33% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 44.95% |
| Multifamily (5+ residential) | 0.25% |
| Commercial and industrial | 18.21% |
| Consumer | 0.02% |
| Credit cards | 0.00% |
| Farm | 6.46% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.08% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 207.61% |
| Construction concentration (Tier 1 capital + allowance) | 45.40% |
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 | $6.1M |
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 | $227.1M | $261.6M | 54.15% | 22.25% | 0.85% |
| Q4 2023 | $247.8M | $281.8M | 55.11% | 21.02% | 0.61% |
| Q1 2024 | $256.3M | $325.5M | 55.66% | 20.76% | 0.45% |
| Q2 2024 | $277.3M | $341.4M | 52.86% | 21.72% | 0.40% |
| Q3 2024 | $285.3M | $367.2M | 50.75% | 20.96% | 0.46% |
| Q4 2024 | $302.6M | $355.0M | 48.05% | 20.61% | 0.42% |
| Q1 2025 | $307.6M | $401.9M | 46.52% | 20.26% | 0.31% |
| Q2 2025 | $313.3M | $384.4M | 44.80% | 20.90% | 0.32% |
| Q3 2025 | $326.0M | $411.1M | 42.91% | 20.97% | 0.06% |
| Q4 2025 | $353.3M | $413.1M | 41.86% | 21.09% | 0.06% |
| Q1 2026 | $356.8M | $444.0M | 46.57% | 19.53% | 0.04% |
| Q2 2026 | $400.2M | $446.6M | 44.95% | 18.21% | 0.02% |
Merit Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Merit 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 Merit Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15270) · FFIEC NIC profile (RSSD 290838)