North Alabama 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.
The standout move of Q2 2026 was in CRE concentration (Tier 1 capital + allowance): 4.48 percentage points lower than in Q1 2026, at 188.81%. Within Alabama, North Alabama Bank is 12th of 93 on loan-to-deposit ratio, 89.36% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. North Alabama Bank sits 8.52 points higher, at 89.36% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $139.4M |
| Net loans and leases | $137.9M |
| Loans held for sale | $0 |
| Loans to total assets | 78.06% |
| Loan-to-deposit ratio | 89.36% |
| Net loans to equity capital | 6.76% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 30.23% |
| Multifamily (5+ residential) | 4.71% |
| Commercial and industrial | 6.44% |
| Consumer | 1.92% |
| Credit cards | 0.00% |
| Farm | 9.05% |
| Loans to depository institutions | 1.22% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 188.81% |
| Construction concentration (Tier 1 capital + allowance) | 78.12% |
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 | 8.20% |
| Interest income on loans | $2.8M |
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 | $131.5M | $150.0M | 37.00% | 4.27% | 2.36% |
| Q4 2023 | $131.5M | $155.6M | 35.00% | 4.62% | 2.21% |
| Q1 2024 | $136.3M | $158.0M | 33.51% | 4.78% | 2.07% |
| Q2 2024 | $135.3M | $156.8M | 32.62% | 4.80% | 2.11% |
| Q3 2024 | $138.8M | $151.8M | 31.47% | 4.28% | 1.98% |
| Q4 2024 | $139.5M | $155.9M | 29.67% | 3.38% | 1.88% |
| Q1 2025 | $141.3M | $156.8M | 27.56% | 3.37% | 1.81% |
| Q2 2025 | $141.5M | $155.3M | 27.60% | 3.32% | 1.86% |
| Q3 2025 | $138.6M | $158.1M | 29.11% | 4.34% | 2.06% |
| Q4 2025 | $137.0M | $152.4M | 29.71% | 6.78% | 2.18% |
| Q1 2026 | $137.8M | $153.9M | 30.77% | 6.58% | 2.06% |
| Q2 2026 | $139.4M | $156.0M | 30.23% | 6.44% | 1.92% |
North Alabama Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock North Alabama 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 North Alabama Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 27560) · FFIEC NIC profile (RSSD 1402384)