New Horizon Bank, N.A.: 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 19.79 percentage points in Q2 2026, from 231.64% to 251.43%. It was the largest change from Q1 2026 among the key lines here. Within Virginia, New Horizon Bank, N.A. is 47th of 56 on loan-to-deposit ratio, 64.77% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 80.94% on loan-to-deposit ratio. New Horizon Bank, N.A. sits 16.17 points lower, at 64.77% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $185.5M |
| Net loans and leases | $184.0M |
| Loans held for sale | $0 |
| Loans to total assets | 51.63% |
| Loan-to-deposit ratio | 64.77% |
| Net loans to equity capital | 5.54% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 54.54% |
| Multifamily (5+ residential) | 5.67% |
| Commercial and industrial | 11.96% |
| Consumer | 0.84% |
| Credit cards | 0.00% |
| Farm | 1.11% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 251.43% |
| Construction concentration (Tier 1 capital + allowance) | 42.95% |
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 | 7.01% |
| Interest income on loans | $3.1M |
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 | $73.3M | $105.9M | 50.68% | 5.99% | 0.22% |
| Q4 2023 | $72.0M | $130.8M | 51.52% | 5.40% | 0.19% |
| Q1 2024 | $72.5M | $123.4M | 52.20% | 6.47% | 0.14% |
| Q2 2024 | $72.0M | $111.0M | 52.92% | 6.60% | 0.16% |
| Q3 2024 | $79.6M | $130.7M | 46.87% | 7.21% | 2.21% |
| Q4 2024 | $89.4M | $176.9M | 47.68% | 9.77% | 2.77% |
| Q1 2025 | $97.8M | $182.4M | 52.83% | 7.01% | 3.55% |
| Q2 2025 | $110.1M | $188.7M | 54.47% | 7.10% | 3.33% |
| Q3 2025 | $125.8M | $172.6M | 56.16% | 7.49% | 2.82% |
| Q4 2025 | $145.7M | $205.3M | 59.58% | 8.13% | 2.05% |
| Q1 2026 | $170.1M | $205.6M | 58.20% | 8.90% | 1.14% |
| Q2 2026 | $185.5M | $286.4M | 54.54% | 11.96% | 0.84% |
New Horizon Bank, N.A. loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock New Horizon Bank, N.A., 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 New Horizon Bank, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58857) · FFIEC NIC profile (RSSD 3816154)