Southern 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 10.96 percentage points in Q2 2026, from 302.52% to 313.49%. It was the largest change from Q1 2026 among the key lines here. Within South Carolina, Southern Bank is 27th of 44 on loan-to-deposit ratio, 73.97% as of Q2 2026. The median for banks in the $100M-1B asset tier is 80.55% on loan-to-deposit ratio. Southern Bank sits 6.58 points lower, at 73.97% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $265.1M |
| Net loans and leases | $262.4M |
| Loans held for sale | $0 |
| Loans to total assets | 64.99% |
| Loan-to-deposit ratio | 73.97% |
| Net loans to equity capital | 8.16% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 48.16% |
| Multifamily (5+ residential) | 0.98% |
| Commercial and industrial | 9.94% |
| Consumer | 1.19% |
| Credit cards | 0.00% |
| Farm | 1.30% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 313.49% |
| Construction concentration (Tier 1 capital + allowance) | 109.19% |
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 | 7.04% |
| 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 | $172.2M | $236.8M | 46.94% | 8.99% | 4.17% |
| Q4 2023 | $184.0M | $258.5M | 47.93% | 8.60% | 3.74% |
| Q1 2024 | $182.8M | $271.7M | 49.33% | 9.78% | 4.06% |
| Q2 2024 | $197.0M | $274.9M | 51.27% | 9.81% | 3.66% |
| Q3 2024 | $201.5M | $285.4M | 53.98% | 9.61% | 3.19% |
| Q4 2024 | $197.6M | $287.8M | 52.94% | 13.47% | 1.61% |
| Q1 2025 | $205.6M | $286.5M | 49.11% | 13.55% | 1.54% |
| Q2 2025 | $212.0M | $298.9M | 49.93% | 14.00% | 1.33% |
| Q3 2025 | $223.1M | $307.1M | 50.64% | 12.15% | 1.24% |
| Q4 2025 | $236.3M | $317.0M | 48.34% | 9.74% | 1.49% |
| Q1 2026 | $256.6M | $346.9M | 46.98% | 10.75% | 1.25% |
| Q2 2026 | $265.1M | $358.4M | 48.16% | 9.94% | 1.19% |
Southern Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Southern 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 Southern Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16288) · FFIEC NIC profile (RSSD 307334)