Robertson Banking 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.
Cre concentration (tier 1 capital + allowance) dropped 6.53 percentage points in Q2 2026, from 260.21% to 253.68%. It was the largest change from Q1 2026 among the key lines here. Within Alabama, Robertson Banking Company is 27th of 93 on loan-to-deposit ratio, 78.77% as of Q2 2026, above the middle of the field. At 78.77%, Robertson Banking Company's loan-to-deposit ratio is close to the 80.84% median for banks in the $100M-1B asset tier (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $314.7M |
| Net loans and leases | $309.9M |
| Loans held for sale | $0 |
| Loans to total assets | 68.01% |
| Loan-to-deposit ratio | 78.77% |
| Net loans to equity capital | 6.07% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 46.05% |
| Multifamily (5+ residential) | 9.77% |
| Commercial and industrial | 5.26% |
| Consumer | 0.99% |
| Credit cards | 0.00% |
| Farm | 4.67% |
| Loans to depository institutions | 0.56% |
| State and political subdivisions | 2.99% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 253.68% |
| Construction concentration (Tier 1 capital + allowance) | 23.96% |
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 | — |
| Interest income on loans | $4.6M |
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 | $315.1M | $402.7M | 45.35% | 5.83% | 0.98% |
| Q4 2023 | $313.2M | $421.7M | 43.51% | 5.62% | 1.15% |
| Q1 2024 | $314.7M | $414.9M | 42.85% | 5.53% | 1.12% |
| Q2 2024 | $320.4M | $417.8M | 43.51% | 5.52% | 0.92% |
| Q3 2024 | $326.8M | $414.4M | 42.76% | 5.77% | 0.96% |
| Q4 2024 | $326.3M | $412.2M | 43.94% | 5.44% | 0.97% |
| Q1 2025 | $314.1M | $416.9M | 45.27% | 4.62% | 0.99% |
| Q2 2025 | $312.7M | $418.6M | 46.31% | 3.99% | 1.03% |
| Q3 2025 | $316.2M | $412.5M | 46.97% | 3.85% | 1.03% |
| Q4 2025 | $311.5M | $407.6M | 47.03% | 3.82% | 1.03% |
| Q1 2026 | $310.3M | $414.0M | 46.77% | 5.23% | 1.09% |
| Q2 2026 | $314.7M | $399.5M | 46.05% | 5.26% | 0.99% |
Robertson Banking Company loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Robertson Banking 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 Robertson Banking Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 39) · FFIEC NIC profile (RSSD 430036)