The Southern Bank 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.
Loan-to-deposit ratio climbed 8.74 percentage points in Q2 2026, from 56.34% to 65.08%. It was the largest change from Q1 2026 among the key lines here. The Southern Bank Company ranks 55th of 93 Alabama banks on loan-to-deposit ratio, in the lower half at 65.08% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.94% on loan-to-deposit ratio. The Southern Bank Company sits 15.87 points lower, at 65.08% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $68.2M |
| Net loans and leases | $66.5M |
| Loans held for sale | $0 |
| Loans to total assets | 51.23% |
| Loan-to-deposit ratio | 65.08% |
| Net loans to equity capital | 3.72% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 10.48% |
| Multifamily (5+ residential) | 3.64% |
| Commercial and industrial | 62.87% |
| Consumer | 0.38% |
| Credit cards | 0.00% |
| Farm | 0.28% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 41.28% |
| Construction concentration (Tier 1 capital + allowance) | 11.89% |
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 | 18.55% |
| Interest income on loans | $3.1M |
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 | $55.6M | $88.2M | 14.00% | 50.33% | 0.61% |
| Q4 2023 | $55.2M | $90.9M | 12.67% | 54.55% | 0.62% |
| Q1 2024 | $54.2M | $87.6M | 13.04% | 54.54% | 0.65% |
| Q2 2024 | $59.8M | $92.7M | 12.98% | 57.07% | 0.56% |
| Q3 2024 | $60.8M | $91.6M | 12.68% | 57.40% | 0.52% |
| Q4 2024 | $59.3M | $95.9M | 13.34% | 55.99% | 0.51% |
| Q1 2025 | $60.4M | $104.7M | 12.84% | 55.65% | 0.64% |
| Q2 2025 | $58.4M | $101.8M | 13.05% | 54.48% | 0.53% |
| Q3 2025 | $56.6M | $103.6M | 12.49% | 58.49% | 0.72% |
| Q4 2025 | $59.1M | $103.3M | 11.76% | 61.45% | 0.63% |
| Q1 2026 | $57.7M | $102.4M | 12.29% | 59.49% | 0.40% |
| Q2 2026 | $68.2M | $104.8M | 10.48% | 62.87% | 0.38% |
The Southern Bank Company loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The Southern Bank 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 The Southern Bank Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 29731) · FFIEC NIC profile (RSSD 117775)