Premier Bank of the South: 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): 6.32 percentage points lower than in Q1 2026, at 66.81%. Premier Bank of the South ranks 47th of 93 Alabama banks on loan-to-deposit ratio, in the lower half at 68.76% (Q2 2026). Premier Bank of the South reported 68.76% on loan-to-deposit ratio for Q2 2026, 12.19 points below the 80.94% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $231.8M |
| Net loans and leases | $229.1M |
| Loans held for sale | $0 |
| Loans to total assets | 62.53% |
| Loan-to-deposit ratio | 68.76% |
| Net loans to equity capital | 7.24% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 16.52% |
| Multifamily (5+ residential) | 0.51% |
| Commercial and industrial | 11.76% |
| Consumer | 8.13% |
| Credit cards | 0.00% |
| Farm | 2.20% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 1.05% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 66.81% |
| Construction concentration (Tier 1 capital + allowance) | 33.04% |
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 | 6.95% |
| Interest income on loans | $4.0M |
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 | $177.5M | $288.4M | 17.64% | 15.59% | 10.23% |
| Q4 2023 | $184.9M | $313.9M | 19.32% | 15.84% | 10.33% |
| Q1 2024 | $188.3M | $321.2M | 17.57% | 16.47% | 10.25% |
| Q2 2024 | $192.0M | $326.4M | 19.91% | 14.06% | 9.70% |
| Q3 2024 | $198.3M | $331.8M | 19.83% | 12.80% | 9.25% |
| Q4 2024 | $201.0M | $338.4M | 18.80% | 12.20% | 9.53% |
| Q1 2025 | $208.3M | $344.6M | 17.88% | 12.24% | 9.21% |
| Q2 2025 | $209.7M | $335.3M | 18.32% | 11.66% | 9.02% |
| Q3 2025 | $216.6M | $334.3M | 18.75% | 10.74% | 8.41% |
| Q4 2025 | $223.9M | $344.1M | 18.78% | 10.45% | 8.40% |
| Q1 2026 | $228.8M | $338.9M | 16.10% | 11.46% | 7.76% |
| Q2 2026 | $231.8M | $337.1M | 16.52% | 11.76% | 8.13% |
Premier Bank of the South loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Premier Bank of the South, 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 Premier Bank of the South profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 27118) · FFIEC NIC profile (RSSD 1160509)