Story Bank dba Story Financial Partners: 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 3.64 percentage points in Q2 2026, from 243.43% to 247.07%. It was the largest change from Q1 2026 among the key lines here. Among 57 Mississippi banks, Story Bank dba Story Financial Partners sits 3rd from the top on loan-to-deposit ratio, 99.73% as of Q2 2026. Story Bank dba Story Financial Partners reported 99.73% on loan-to-deposit ratio for Q2 2026, 11.53 points above the 88.20% median for banks in the $1B-10B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $888.0M |
| Net loans and leases | $879.9M |
| Loans held for sale | $3.9M |
| Loans to total assets | 87.94% |
| Loan-to-deposit ratio | 99.73% |
| Net loans to equity capital | 8.29% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 30.80% |
| Multifamily (5+ residential) | 5.07% |
| Commercial and industrial | 19.11% |
| Consumer | 1.09% |
| Credit cards | 0.16% |
| Farm | 0.43% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 247.07% |
| Construction concentration (Tier 1 capital + allowance) | 85.93% |
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 | 6.08% |
| Interest income on loans | $13.3M |
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 | $738.3M | $712.5M | 32.71% | 17.82% | 1.98% |
| Q4 2023 | $746.8M | $728.9M | 33.39% | 17.74% | 2.06% |
| Q1 2024 | $758.7M | $748.4M | 33.14% | 18.21% | 1.09% |
| Q2 2024 | $782.4M | $729.0M | 31.28% | 18.50% | 1.02% |
| Q3 2024 | $766.0M | $737.5M | 30.83% | 18.00% | 1.15% |
| Q4 2024 | $805.8M | $795.9M | 32.48% | 17.81% | 1.24% |
| Q1 2025 | $799.2M | $772.7M | 31.76% | 17.89% | 1.21% |
| Q2 2025 | $819.3M | $763.4M | 30.12% | 18.34% | 1.24% |
| Q3 2025 | $812.2M | $787.6M | 31.15% | 18.87% | 1.04% |
| Q4 2025 | $847.7M | $870.2M | 30.90% | 18.41% | 1.00% |
| Q1 2026 | $864.9M | $837.2M | 31.11% | 18.94% | 1.08% |
| Q2 2026 | $888.0M | $890.4M | 30.80% | 19.11% | 1.09% |
Story Bank dba Story Financial Partners loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Story Bank dba Story Financial Partners, 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 Story Bank dba Story Financial Partners profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57069) · FFIEC NIC profile (RSSD 2948058)