Townbridge 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): 72.80 percentage points higher than in Q1 2026, at 228.62%. Townbridge Bank ranks 34th of 57 Mississippi banks on loan-to-deposit ratio, in the lower half at 68.04% (Q2 2026). The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. Townbridge Bank sits 20.16 points lower, at 68.04% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $685.0M |
| Net loans and leases | $677.2M |
| Loans held for sale | $2.3M |
| Loans to total assets | 50.79% |
| Loan-to-deposit ratio | 68.04% |
| Net loans to equity capital | 5.20% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 40.48% |
| Multifamily (5+ residential) | 4.30% |
| Commercial and industrial | 11.48% |
| Consumer | 2.46% |
| Credit cards | 0.00% |
| Farm | 2.22% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.08% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 228.62% |
| Construction concentration (Tier 1 capital + allowance) | 67.20% |
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 | 8.29% |
| Interest income on loans | $11.7M |
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 | $419.7M | $547.4M | 41.55% | 15.22% | 2.22% |
| Q4 2023 | $425.7M | $531.7M | 40.77% | 14.91% | 2.18% |
| Q1 2024 | $424.6M | $518.5M | 39.48% | 16.06% | 2.02% |
| Q2 2024 | $454.6M | $621.6M | 37.86% | 16.41% | 2.05% |
| Q3 2024 | $458.1M | $614.8M | 37.27% | 15.74% | 1.95% |
| Q4 2024 | $471.4M | $606.3M | 35.79% | 14.63% | 1.77% |
| Q1 2025 | $467.3M | $621.1M | 35.23% | 15.31% | 1.99% |
| Q2 2025 | $471.0M | $642.1M | 35.73% | 14.68% | 1.72% |
| Q3 2025 | $473.5M | $637.3M | 37.56% | 15.13% | 1.72% |
| Q4 2025 | $450.9M | $631.0M | 39.34% | 14.28% | 1.79% |
| Q1 2026 | $448.1M | $658.5M | 38.98% | 14.25% | 1.92% |
| Q2 2026 | $685.0M | $1.01B | 40.48% | 11.48% | 2.46% |
Townbridge Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Townbridge 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 Townbridge Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 12203) · FFIEC NIC profile (RSSD 94139)