Solutions Plus 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.
Net loans and leases climbed 172.5% in Q2 2026, from $3.1M to $8.3M. It was the largest change from Q1 2026 among the key lines here. Solutions Plus Bank has the 8th lowest loan-to-deposit ratio of the 93 banks headquartered in Alabama, at 39.97% as of Q2 2026. The median for banks in the < $100M asset tier is 67.62% on loan-to-deposit ratio. Solutions Plus Bank sits 27.66 points lower, at 39.97% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $8.4M |
| Net loans and leases | $8.3M |
| Loans held for sale | $0 |
| Loans to total assets | 19.20% |
| Loan-to-deposit ratio | 39.97% |
| Net loans to equity capital | 0.37% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 10.57% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 35.74% |
| Consumer | 4.68% |
| Credit cards | 0.00% |
| Farm | 4.26% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 20.51% |
| Construction concentration (Tier 1 capital + allowance) | 4.20% |
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 | $116K |
Loan Portfolio trend
Last 3 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 |
|---|---|---|---|---|---|
| Q4 2025 | $220K | $3.1M | 0.00% | 32.27% | 20.45% |
| Q1 2026 | $3.1M | $10.9M | 0.00% | 42.84% | 5.14% |
| Q2 2026 | $8.4M | $21.1M | 10.57% | 35.74% | 4.68% |
Solutions Plus Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Solutions Plus 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 Solutions Plus Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 59362) · FFIEC NIC profile (RSSD 5975224)