Pike National 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): 20.53 percentage points higher than in Q1 2026, at 139.68%. Within Mississippi, Pike National Bank is 41st of 57 on loan-to-deposit ratio, 65.27% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Pike National Bank sits 15.57 points lower, at 65.27% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $233.6M |
| Net loans and leases | $230.8M |
| Loans held for sale | $0 |
| Loans to total assets | 57.15% |
| Loan-to-deposit ratio | 65.27% |
| Net loans to equity capital | 5.34% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 38.26% |
| Multifamily (5+ residential) | 2.93% |
| Commercial and industrial | 12.50% |
| Consumer | 6.31% |
| Credit cards | 0.00% |
| Farm | 4.93% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.43% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 139.68% |
| Construction concentration (Tier 1 capital + allowance) | 59.40% |
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 | 7.54% |
| 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 | $171.7M | $326.2M | 29.79% | 15.00% | 7.64% |
| Q4 2023 | $172.0M | $317.6M | 30.09% | 14.54% | 7.86% |
| Q1 2024 | $174.7M | $345.3M | 30.64% | 14.39% | 7.77% |
| Q2 2024 | $180.4M | $336.6M | 29.85% | 13.91% | 7.60% |
| Q3 2024 | $180.3M | $324.5M | 29.55% | 13.59% | 7.74% |
| Q4 2024 | $179.8M | $331.3M | 27.99% | 13.78% | 7.68% |
| Q1 2025 | $186.0M | $354.8M | 33.47% | 13.28% | 7.46% |
| Q2 2025 | $185.3M | $343.1M | 34.29% | 12.01% | 7.68% |
| Q3 2025 | $192.0M | $335.5M | 34.80% | 11.93% | 7.39% |
| Q4 2025 | $198.8M | $326.2M | 33.99% | 11.57% | 7.16% |
| Q1 2026 | $206.0M | $360.6M | 35.43% | 12.10% | 6.96% |
| Q2 2026 | $233.6M | $358.0M | 38.26% | 12.50% | 6.31% |
Pike National Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Pike National 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 Pike National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 26379) · FFIEC NIC profile (RSSD 880332)