Tennessee State 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): 8.40 percentage points higher than in Q1 2026, at 350.94%. Within Tennessee, Tennessee State Bank is 64th of 109 on loan-to-deposit ratio, 81.12% 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; Tennessee State Bank reported 81.12% for Q2 2026, nearly level with it.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $717.9M |
| Net loans and leases | $710.1M |
| Loans held for sale | $0 |
| Loans to total assets | 72.46% |
| Loan-to-deposit ratio | 81.12% |
| Net loans to equity capital | 8.34% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 39.29% |
| Multifamily (5+ residential) | 4.82% |
| Commercial and industrial | 1.06% |
| Consumer | 6.25% |
| Credit cards | 0.28% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 350.94% |
| Construction concentration (Tier 1 capital + allowance) | 81.89% |
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 | — |
| Interest income on loans | $11.1M |
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 | $594.9M | $851.0M | 36.88% | 1.85% | 4.61% |
| Q4 2023 | $635.9M | $820.7M | 39.50% | 1.72% | 4.06% |
| Q1 2024 | $643.8M | $864.8M | 41.76% | 1.62% | 3.81% |
| Q2 2024 | $655.9M | $843.3M | 41.79% | 1.52% | 3.88% |
| Q3 2024 | $652.4M | $854.9M | 41.19% | 1.43% | 3.67% |
| Q4 2024 | $660.0M | $840.0M | 41.97% | 1.37% | 3.92% |
| Q1 2025 | $663.6M | $849.3M | 41.78% | 1.25% | 4.01% |
| Q2 2025 | $664.9M | $866.5M | 41.37% | 1.17% | 3.79% |
| Q3 2025 | $664.2M | $891.6M | 40.79% | 1.12% | 3.91% |
| Q4 2025 | $712.2M | $875.3M | 39.15% | 1.01% | 6.95% |
| Q1 2026 | $692.9M | $850.9M | 39.65% | 1.01% | 6.68% |
| Q2 2026 | $717.9M | $885.0M | 39.29% | 1.06% | 6.25% |
Tennessee State Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Tennessee State 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 Tennessee State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 20720) · FFIEC NIC profile (RSSD 479839)