Priorityone 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.
Loans held for sale climbed 143.7% in Q2 2026, from $1.4M to $3.4M. It was the largest change from Q1 2026 among the key lines here. Priorityone Bank ranks 6th of 57 Mississippi banks on loan-to-deposit ratio, in the upper half at 90.20% (Q2 2026). At 90.20%, Priorityone Bank's loan-to-deposit ratio is close to the 88.20% median for banks in the $1B-10B asset tier (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $929.4M |
| Net loans and leases | $915.9M |
| Loans held for sale | $3.4M |
| Loans to total assets | 78.50% |
| Loan-to-deposit ratio | 90.20% |
| Net loans to equity capital | 6.51% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 41.68% |
| Multifamily (5+ residential) | 1.80% |
| Commercial and industrial | 8.41% |
| Consumer | 2.51% |
| Credit cards | 0.00% |
| Farm | 4.12% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.45% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 269.87% |
| Construction concentration (Tier 1 capital + allowance) | 83.40% |
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 | 7.18% |
| Interest income on loans | $16.6M |
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 | $819.9M | $893.7M | 38.04% | 9.00% | 3.80% |
| Q4 2023 | $845.9M | $909.6M | 40.15% | 8.84% | 4.68% |
| Q1 2024 | $852.1M | $968.0M | 39.91% | 8.71% | 3.59% |
| Q2 2024 | $881.2M | $962.8M | 39.54% | 8.76% | 3.73% |
| Q3 2024 | $896.0M | $954.8M | 39.20% | 8.60% | 3.59% |
| Q4 2024 | $897.3M | $944.6M | 38.60% | 8.74% | 3.45% |
| Q1 2025 | $888.1M | $1.01B | 40.99% | 8.77% | 3.37% |
| Q2 2025 | $883.3M | $968.4M | 40.86% | 8.61% | 3.30% |
| Q3 2025 | $887.2M | $943.1M | 39.61% | 9.04% | 3.10% |
| Q4 2025 | $905.9M | $913.7M | 40.22% | 8.61% | 2.98% |
| Q1 2026 | $925.3M | $1.02B | 41.72% | 7.98% | 2.78% |
| Q2 2026 | $929.4M | $1.03B | 41.68% | 8.41% | 2.51% |
Priorityone Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Priorityone 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 Priorityone Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 21906) · FFIEC NIC profile (RSSD 956938)