Studio 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): 8.12 percentage points lower than in Q1 2026, at 315.37%. Studio Bank ranks 36th of 109 Tennessee banks on loan-to-deposit ratio, in the upper half at 88.47% (Q2 2026). At 88.47%, Studio Bank's loan-to-deposit ratio is close to the 88.20% median for banks in the $1B-10B asset tier (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $1.03B |
| Net loans and leases | $1.02B |
| Loans held for sale | $8.8M |
| Loans to total assets | 76.74% |
| Loan-to-deposit ratio | 88.47% |
| Net loans to equity capital | 8.06% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 42.23% |
| Multifamily (5+ residential) | 2.31% |
| Commercial and industrial | 16.29% |
| Consumer | 0.08% |
| Credit cards | 0.02% |
| Farm | 0.59% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 315.37% |
| Construction concentration (Tier 1 capital + allowance) | 95.68% |
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 | 6.10% |
| Interest income on loans | $15.5M |
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 | $711.5M | $799.6M | 35.85% | 15.60% | 0.21% |
| Q4 2023 | $754.2M | $763.8M | 38.16% | 15.24% | 0.18% |
| Q1 2024 | $752.1M | $761.0M | 37.57% | 16.52% | 0.17% |
| Q2 2024 | $772.1M | $787.3M | 37.52% | 16.20% | 0.27% |
| Q3 2024 | $755.9M | $804.0M | 39.31% | 15.56% | 0.09% |
| Q4 2024 | $761.2M | $847.5M | 40.22% | 14.23% | 0.08% |
| Q1 2025 | $772.8M | $924.5M | 40.05% | 15.04% | 0.09% |
| Q2 2025 | $815.1M | $860.5M | 41.79% | 15.99% | 0.10% |
| Q3 2025 | $878.4M | $1.09B | 43.31% | 15.33% | 0.09% |
| Q4 2025 | $954.6M | $1.07B | 43.02% | 16.16% | 0.07% |
| Q1 2026 | $1.02B | $1.18B | 42.11% | 17.56% | 0.09% |
| Q2 2026 | $1.03B | $1.17B | 42.23% | 16.29% | 0.08% |
Studio Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Studio 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 Studio Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 59112) · FFIEC NIC profile (RSSD 5205819)