The National Bank of Blacksburg: 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): 9.61 percentage points higher than in Q1 2026, at 193.02%. The National Bank of Blacksburg ranks 48th of 56 Virginia banks on loan-to-deposit ratio, in the lower half at 61.40% (Q2 2026). The National Bank of Blacksburg reported 61.40% on loan-to-deposit ratio for Q2 2026, 26.81 points below the 88.20% median for banks in the $1B-10B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $1.01B |
| Net loans and leases | $1.00B |
| Loans held for sale | $331K |
| Loans to total assets | 55.40% |
| Loan-to-deposit ratio | 61.40% |
| Net loans to equity capital | 5.94% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 30.13% |
| Multifamily (5+ residential) | 14.10% |
| Commercial and industrial | 4.00% |
| Consumer | 4.42% |
| Credit cards | 0.47% |
| Farm | 0.69% |
| Loans to depository institutions | 0.85% |
| State and political subdivisions | 6.12% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 193.02% |
| Construction concentration (Tier 1 capital + allowance) | 34.73% |
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 | 5.63% |
| Interest income on loans | $14.1M |
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 | $849.1M | $1.47B | 33.81% | 4.77% | 4.59% |
| Q4 2023 | $857.1M | $1.52B | 34.48% | 4.73% | 4.51% |
| Q1 2024 | $863.5M | $1.55B | 33.81% | 3.60% | 4.76% |
| Q2 2024 | $989.5M | $1.65B | 32.61% | 4.26% | 4.30% |
| Q3 2024 | $1.00B | $1.61B | 32.85% | 4.23% | 4.00% |
| Q4 2024 | $988.6M | $1.66B | 32.79% | 4.21% | 4.30% |
| Q1 2025 | $1.00B | $1.67B | 32.65% | 4.30% | 4.17% |
| Q2 2025 | $1.01B | $1.64B | 32.09% | 4.15% | 4.56% |
| Q3 2025 | $1.02B | $1.57B | 31.53% | 4.34% | 4.62% |
| Q4 2025 | $999.3M | $1.65B | 31.17% | 4.29% | 4.70% |
| Q1 2026 | $996.0M | $1.65B | 30.57% | 4.15% | 4.51% |
| Q2 2026 | $1.01B | $1.65B | 30.13% | 4.00% | 4.42% |
The National Bank of Blacksburg loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The National Bank of Blacksburg, 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 The National Bank of Blacksburg profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 6821) · FFIEC NIC profile (RSSD 754929)