Southern Independent 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.
The standout move of Q2 2026 was in CRE concentration (Tier 1 capital + allowance): 13.60 percentage points lower than in Q1 2026, at 96.66%. Within Alabama, Southern Independent Bank is 71st of 93 on loan-to-deposit ratio, 53.71% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Southern Independent Bank sits 27.13 points lower, at 53.71% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $180.7M |
| Net loans and leases | $178.7M |
| Loans held for sale | $0 |
| Loans to total assets | 45.72% |
| Loan-to-deposit ratio | 53.71% |
| Net loans to equity capital | 3.95% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 16.19% |
| Multifamily (5+ residential) | 2.42% |
| Commercial and industrial | 16.11% |
| Consumer | 3.69% |
| Credit cards | 0.00% |
| Farm | 3.89% |
| Loans to depository institutions | 0.55% |
| State and political subdivisions | 0.31% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 96.66% |
| Construction concentration (Tier 1 capital + allowance) | 68.27% |
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 | 6.82% |
| Interest income on loans | $3.2M |
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 | $147.2M | $292.7M | 21.01% | 19.43% | 4.41% |
| Q4 2023 | $148.1M | $305.6M | 20.51% | 19.30% | 4.71% |
| Q1 2024 | $145.6M | $311.0M | 19.47% | 18.23% | 4.46% |
| Q2 2024 | $146.7M | $310.1M | 20.00% | 17.42% | 4.64% |
| Q3 2024 | $154.3M | $314.2M | 18.36% | 17.04% | 4.31% |
| Q4 2024 | $161.9M | $325.7M | 17.63% | 18.30% | 4.03% |
| Q1 2025 | $168.2M | $322.4M | 18.39% | 17.50% | 3.85% |
| Q2 2025 | $171.5M | $325.5M | 17.26% | 16.95% | 3.91% |
| Q3 2025 | $171.8M | $330.8M | 17.18% | 17.11% | 4.09% |
| Q4 2025 | $175.9M | $337.8M | 17.72% | 16.61% | 3.77% |
| Q1 2026 | $178.9M | $345.3M | 17.20% | 16.01% | 3.60% |
| Q2 2026 | $180.7M | $336.5M | 16.19% | 16.11% | 3.69% |
Southern Independent Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Southern Independent 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 Independent Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58357) · FFIEC NIC profile (RSSD 3531176)