Richton Bank & Trust Company: 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.
Construction concentration (tier 1 capital + allowance) climbed 4.76 percentage points in Q2 2026, from 4.33% to 9.08%. It was the largest change from Q1 2026 among the key lines here. On loan-to-deposit ratio, Richton Bank & Trust Company is 6th from the bottom among 57 Mississippi banks, 49.23% (Q2 2026). Richton Bank & Trust Company reported 49.23% on loan-to-deposit ratio for Q2 2026, 18.40 points below the 67.62% median for banks in the < $100M asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $21.2M |
| Net loans and leases | $20.4M |
| Loans held for sale | $0 |
| Loans to total assets | 40.81% |
| Loan-to-deposit ratio | 49.23% |
| Net loans to equity capital | 2.52% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 24.91% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 23.96% |
| Consumer | 5.23% |
| Credit cards | 0.00% |
| Farm | 22.87% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 35.06% |
| Construction concentration (Tier 1 capital + allowance) | 9.08% |
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 | 6.33% |
| Interest income on loans | $327K |
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 | $23.5M | $45.7M | 19.06% | 32.82% | 6.53% |
| Q4 2023 | $22.8M | $45.3M | 18.79% | 34.34% | 6.30% |
| Q1 2024 | $22.3M | $44.1M | 18.70% | 33.74% | 7.09% |
| Q2 2024 | $21.5M | $43.4M | 17.42% | 35.98% | 7.30% |
| Q3 2024 | $21.2M | $43.5M | 17.07% | 36.68% | 6.45% |
| Q4 2024 | $20.0M | $44.2M | 22.07% | 34.21% | 6.32% |
| Q1 2025 | $19.0M | $44.1M | 22.81% | 31.67% | 7.62% |
| Q2 2025 | $19.9M | $42.4M | 26.94% | 32.21% | 6.90% |
| Q3 2025 | $21.8M | $41.9M | 25.44% | 30.68% | 5.32% |
| Q4 2025 | $21.1M | $42.4M | 25.96% | 27.95% | 5.13% |
| Q1 2026 | $20.6M | $45.1M | 26.11% | 28.08% | 4.76% |
| Q2 2026 | $21.2M | $43.1M | 24.91% | 23.96% | 5.23% |
Richton Bank & Trust Company loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Richton Bank & Trust Company, 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 Richton Bank & Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11817) · FFIEC NIC profile (RSSD 40033)