Putnam 1st Mercantile 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.
Cre concentration (tier 1 capital + allowance) climbed 9.61 percentage points in Q2 2026, from 244.31% to 253.92%. It was the largest change from Q1 2026 among the key lines here. Putnam 1st Mercantile Bank ranks 29th of 109 Tennessee banks on loan-to-deposit ratio, in the upper half at 93.10% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Putnam 1st Mercantile Bank sits 12.27 points higher, at 93.10% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $148.8M |
| Net loans and leases | $146.7M |
| Loans held for sale | $0 |
| Loans to total assets | 83.17% |
| Loan-to-deposit ratio | 93.10% |
| Net loans to equity capital | 8.60% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 26.82% |
| Multifamily (5+ residential) | 9.60% |
| Commercial and industrial | 9.14% |
| Consumer | 2.05% |
| Credit cards | 0.00% |
| Farm | 0.18% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 253.92% |
| Construction concentration (Tier 1 capital + allowance) | 111.86% |
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 | 7.29% |
| Interest income on loans | $2.7M |
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 | $113.8M | $128.5M | 27.30% | 12.07% | 2.51% |
| Q4 2023 | $115.9M | $134.6M | 28.46% | 12.04% | 2.29% |
| Q1 2024 | $119.4M | $136.7M | 28.25% | 12.41% | 3.07% |
| Q2 2024 | $120.9M | $138.1M | 28.90% | 11.70% | 3.61% |
| Q3 2024 | $120.6M | $137.8M | 27.24% | 10.95% | 3.71% |
| Q4 2024 | $121.0M | $145.2M | 27.11% | 10.81% | 3.78% |
| Q1 2025 | $121.2M | $139.4M | 27.87% | 10.62% | 4.17% |
| Q2 2025 | $124.4M | $137.4M | 30.61% | 10.18% | 2.21% |
| Q3 2025 | $127.3M | $143.2M | 29.77% | 9.60% | 2.21% |
| Q4 2025 | $142.1M | $152.7M | 27.71% | 9.88% | 2.02% |
| Q1 2026 | $143.0M | $158.3M | 25.90% | 8.88% | 1.95% |
| Q2 2026 | $148.8M | $159.8M | 26.82% | 9.14% | 2.05% |
Putnam 1st Mercantile Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Putnam 1st Mercantile 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 Putnam 1st Mercantile Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58079) · FFIEC NIC profile (RSSD 3393851)