Terrabank, N.A.: Loan Portfolio
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Data as of · Call Report Schedule RC-C How we update
Terrabank, N.A. reported all 18 line items on this page on its Q3 2026 filing. Total loans and leases was $655.1M in Q3 2026, up 21.6% from $538.9M in Q3 2025. That is 67.6% of its total assets. Across the 12 quarters shown it ranged from $509.3M (Q4 2023) to $655.1M (Q3 2026).
What the loan portfolio page covers and where each line comes from.
The standout move of Q3 2026 was in CRE concentration (Tier 1 capital + allowance): 23.02 percentage points higher than in Q2 2026, at 391.79%. Terrabank, N.A. ranks 45th of 81 Florida banks on loan-to-deposit ratio, in the lower half at 75.98% (Q3 2026). Terrabank, N.A. reported 75.98% on loan-to-deposit ratio for Q3 2026, 5.47 points below the 81.45% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q3 2026 |
|---|---|
| Total loans and leases | $655.1M |
| Net loans and leases | $646.6M |
| Loans held for sale | $0 |
| Loans to total assets | 67.55% |
| Loan-to-deposit ratio | 75.98% |
| Net loans to equity capital | 8.14× |
Source: Call Report Schedule RC-C; Total loans and leases: Call Report Schedule RC-C, Part I, item 12 (RCON2122). Open the filed call report for Q3 2026 on the FFIEC CDR.
Portfolio mix (share of total loans)
| Line item | Q3 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 40.04% |
| Multifamily (5+ residential) | 19.76% |
| Commercial and industrial | 3.96% |
| Consumer | 0.24% |
| Credit cards | 0.24% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Source: Call Report Schedule RC-C. Open the filed call report for Q3 2026 on the FFIEC CDR.
Concentration measures
| Line item | Q3 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 391.79% |
| Construction concentration (Tier 1 capital + allowance) | 27.06% |
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.
Source: Call Report Schedule RC-C. Open the filed call report for Q3 2026 on the FFIEC CDR.
Loan earnings
| Line item | Q3 2026 |
|---|---|
| Yield on loans | 5.90% |
| Interest income on loans | $9.3M |
Source: Call Report Schedule RC-C. Open the filed call report for Q3 2026 on the FFIEC CDR.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q4 2023 | $509.3M | $680.2M | 41.31% | 3.14% | 0.28% |
| Q1 2024 | $516.7M | $694.4M | 42.24% | 2.72% | 0.28% |
| Q2 2024 | $521.4M | $706.7M | 42.27% | 2.70% | 0.29% |
| Q3 2024 | $524.5M | $730.6M | 42.58% | 3.34% | 0.29% |
| Q4 2024 | $524.0M | $724.9M | 41.47% | 2.91% | 0.28% |
| Q1 2025 | $513.5M | $750.6M | 41.64% | 3.40% | 0.30% |
| Q2 2025 | $521.2M | $737.1M | 41.79% | 3.36% | 0.32% |
| Q3 2025 | $538.9M | $750.5M | 40.77% | 4.68% | 0.30% |
| Q4 2025 | $567.0M | $771.2M | 41.30% | 5.33% | 0.28% |
| Q1 2026 | $571.8M | $762.5M | 41.22% | 5.03% | 0.27% |
| Q2 2026 | $605.2M | $791.4M | 41.33% | 3.01% | 0.28% |
| Q3 2026 | $655.1M | $862.2M | 40.04% | 3.96% | 0.24% |
Terrabank, N.A. loan portfolio, quarter by quarter
Loan Portfolio since Q3 2021 · peer percentiles on every line item · watchlist alerts
Unlock this bank, freeSource: Call Report Schedule RC-C, Q3 2026. How these pages are built. See the full Terrabank, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 26442) · FFIEC NIC profile (RSSD 238737)