Nantahala Bank & Trust Company: 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 Construction concentration (Tier 1 capital + allowance): 10.15 percentage points lower than in Q1 2026, at 74.89%. Nantahala Bank & Trust Company ranks 29th of 38 North Carolina banks on loan-to-deposit ratio, in the lower half at 74.71% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.94% on loan-to-deposit ratio. Nantahala Bank & Trust Company sits 6.23 points lower, at 74.71% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $194.5M |
| Net loans and leases | $192.7M |
| Loans held for sale | $0 |
| Loans to total assets | 67.37% |
| Loan-to-deposit ratio | 74.71% |
| Net loans to equity capital | 7.00% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 26.58% |
| Multifamily (5+ residential) | 3.05% |
| Commercial and industrial | 5.92% |
| Consumer | 1.55% |
| 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) | 180.46% |
| Construction concentration (Tier 1 capital + allowance) | 74.89% |
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 | 6.86% |
| Interest income on loans | $3.4M |
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 | $166.8M | $245.7M | 27.63% | 4.54% | 0.99% |
| Q4 2023 | $178.9M | $240.4M | 27.41% | 4.62% | 1.53% |
| Q1 2024 | $183.4M | $249.8M | 26.48% | 5.06% | 1.47% |
| Q2 2024 | $184.1M | $250.6M | 25.43% | 5.84% | 1.36% |
| Q3 2024 | $187.8M | $260.0M | 24.92% | 5.53% | 1.82% |
| Q4 2024 | $188.5M | $243.2M | 25.61% | 4.50% | 1.95% |
| Q1 2025 | $187.4M | $240.3M | 25.17% | 4.46% | 1.98% |
| Q2 2025 | $191.0M | $244.1M | 24.46% | 4.48% | 2.04% |
| Q3 2025 | $192.7M | $255.0M | 24.54% | 5.08% | 1.93% |
| Q4 2025 | $195.3M | $253.4M | 23.63% | 4.80% | 1.83% |
| Q1 2026 | $196.3M | $258.7M | 25.08% | 5.07% | 1.65% |
| Q2 2026 | $194.5M | $260.4M | 26.58% | 5.92% | 1.55% |
Nantahala Bank & Trust Company loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Nantahala Bank & Trust Company, 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 Nantahala Bank & Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57784) · FFIEC NIC profile (RSSD 3285778)