One Bank of Tennessee: 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): 4.03 percentage points lower than in Q1 2026, at 181.01%. One Bank of Tennessee ranks 79th of 109 Tennessee banks on loan-to-deposit ratio, in the lower half at 74.02% (Q2 2026). The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. One Bank of Tennessee sits 14.18 points lower, at 74.02% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $1.10B |
| Net loans and leases | $1.09B |
| Loans held for sale | $0 |
| Loans to total assets | 65.98% |
| Loan-to-deposit ratio | 74.02% |
| Net loans to equity capital | 7.46% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 39.92% |
| Multifamily (5+ residential) | 3.47% |
| Commercial and industrial | 3.28% |
| Consumer | 2.03% |
| Credit cards | 0.00% |
| Farm | 1.74% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 181.01% |
| Construction concentration (Tier 1 capital + allowance) | 45.33% |
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 | 6.32% |
| Interest income on loans | $17.3M |
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 | $953.4M | $1.41B | 38.61% | 4.27% | 2.87% |
| Q4 2023 | $961.7M | $1.41B | 39.33% | 4.23% | 2.85% |
| Q1 2024 | $973.8M | $1.43B | 39.18% | 4.27% | 2.73% |
| Q2 2024 | $995.7M | $1.45B | 39.85% | 4.16% | 2.73% |
| Q3 2024 | $1.03B | $1.47B | 41.10% | 3.71% | 2.64% |
| Q4 2024 | $1.04B | $1.48B | 41.27% | 3.56% | 2.52% |
| Q1 2025 | $1.06B | $1.51B | 40.81% | 3.38% | 2.43% |
| Q2 2025 | $1.08B | $1.49B | 40.42% | 3.50% | 2.32% |
| Q3 2025 | $1.07B | $1.49B | 40.81% | 3.44% | 2.28% |
| Q4 2025 | $1.07B | $1.48B | 41.45% | 3.18% | 2.16% |
| Q1 2026 | $1.09B | $1.49B | 41.00% | 3.25% | 2.06% |
| Q2 2026 | $1.10B | $1.49B | 39.92% | 3.28% | 2.03% |
One Bank of Tennessee loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock One Bank of Tennessee, 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 One Bank of Tennessee profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8432) · FFIEC NIC profile (RSSD 99536)