Nano Banc: 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) dropped 80.03 percentage points in Q2 2026, from 664.47% to 584.44%. It was the largest change from Q1 2026 among the key lines here. The median for banks in the $100M-1B asset tier is 80.55% on loan-to-deposit ratio. Nano Banc sits 10.74 points lower, at 69.81% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $478.8M |
| Net loans and leases | $458.9M |
| Loans held for sale | $45.0M |
| Loans to total assets | 65.04% |
| Loan-to-deposit ratio | 69.81% |
| Net loans to equity capital | 11.82% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 26.89% |
| Multifamily (5+ residential) | 14.79% |
| Commercial and industrial | 5.90% |
| Consumer | 0.00% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 584.44% |
| Construction concentration (Tier 1 capital + allowance) | 78.81% |
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 | 4.29% |
| 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 | $744.9M | $787.5M | 34.83% | 28.67% | 0.00% |
| Q4 2023 | $748.4M | $750.6M | 33.66% | 30.46% | 0.00% |
| Q1 2024 | $732.3M | $828.0M | 34.09% | 29.64% | 0.00% |
| Q2 2024 | $705.8M | $817.4M | 34.46% | 25.53% | 0.00% |
| Q3 2024 | $620.4M | $919.1M | 33.60% | 20.09% | 0.00% |
| Q4 2024 | $628.6M | $828.0M | 29.80% | 21.44% | 0.00% |
| Q1 2025 | $655.9M | $870.2M | 31.50% | 20.24% | 0.00% |
| Q2 2025 | $612.8M | $804.6M | 29.52% | 17.14% | 0.00% |
| Q3 2025 | $581.1M | $755.1M | 30.39% | 17.46% | 0.00% |
| Q4 2025 | $541.4M | $732.7M | 30.43% | 7.70% | 0.00% |
| Q1 2026 | $510.0M | $789.7M | 25.70% | 8.01% | 0.00% |
| Q2 2026 | $478.8M | $685.8M | 26.89% | 5.90% | 0.00% |
Nano Banc loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Nano Banc, 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 Nano Banc profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58590) · FFIEC NIC profile (RSSD 3635029)