Nave 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 85.80 percentage points in Q2 2026, from 94.85% to 180.65%. 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. Nave Bank sits 16.59 points lower, at 63.96% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $276.2M |
| Net loans and leases | $273.9M |
| Loans held for sale | $0 |
| Loans to total assets | 49.77% |
| Loan-to-deposit ratio | 63.96% |
| Net loans to equity capital | 3.88% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 36.17% |
| Multifamily (5+ residential) | 2.34% |
| Commercial and industrial | 30.24% |
| 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) | 180.65% |
| Construction concentration (Tier 1 capital + allowance) | 26.37% |
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 | 6.89% |
| Interest income on loans | $4.2M |
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 | $0 | $2K | — | — | — |
| Q4 2023 | $17.3M | $15.3M | 97.16% | 2.84% | 0.00% |
| Q1 2024 | $26.1M | $79.2M | 67.90% | 0.00% | 0.00% |
| Q2 2024 | $31.0M | $102.1M | 57.28% | 16.08% | 0.00% |
| Q3 2024 | $44.2M | $108.5M | 47.14% | 30.01% | 0.00% |
| Q4 2024 | $50.2M | $172.5M | 46.45% | 27.05% | 0.00% |
| Q1 2025 | $46.4M | $154.0M | 42.23% | 30.44% | 0.00% |
| Q2 2025 | $101.1M | $173.5M | 41.70% | 39.80% | 0.00% |
| Q3 2025 | $149.7M | $231.6M | 36.66% | 32.81% | 0.00% |
| Q4 2025 | $185.6M | $301.6M | 36.92% | 29.82% | 0.00% |
| Q1 2026 | $212.2M | $343.7M | 28.71% | 38.92% | 0.00% |
| Q2 2026 | $276.2M | $431.9M | 36.17% | 30.24% | 0.00% |
Nave Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Nave 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 Nave Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 59324) · FFIEC NIC profile (RSSD 5686089)