TowneBank: 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): 21.26 percentage points lower than in Q1 2026, at 283.65%. TowneBank ranks 31st of 56 Virginia banks on loan-to-deposit ratio, in the lower half at 82.24% (Q2 2026). The median for banks in the $10B-100B asset tier is 86.87% on loan-to-deposit ratio. TowneBank sits 4.63 points lower, at 82.24% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $15.48B |
| Net loans and leases | $15.28B |
| Loans held for sale | $309.5M |
| Loans to total assets | 68.44% |
| Loan-to-deposit ratio | 82.24% |
| Net loans to equity capital | 5.10% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 43.82% |
| Multifamily (5+ residential) | 5.59% |
| Commercial and industrial | 10.88% |
| Consumer | 5.16% |
| Credit cards | 0.00% |
| Farm | 0.20% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 3.39% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 283.65% |
| Construction concentration (Tier 1 capital + allowance) | 55.79% |
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 | 5.68% |
| Interest income on loans | $218.5M |
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 | $11.36B | $14.02B | 41.03% | 11.38% | 4.82% |
| Q4 2023 | $11.48B | $14.01B | 41.53% | 11.53% | 4.81% |
| Q1 2024 | $11.60B | $14.25B | 41.64% | 11.63% | 4.70% |
| Q2 2024 | $11.65B | $14.40B | 41.04% | 11.35% | 4.68% |
| Q3 2024 | $11.68B | $14.47B | 41.01% | 10.98% | 4.62% |
| Q4 2024 | $11.66B | $14.53B | 41.12% | 11.18% | 4.82% |
| Q1 2025 | $11.82B | $14.76B | 41.91% | 11.52% | 4.84% |
| Q2 2025 | $12.60B | $15.47B | 42.41% | 11.12% | 4.63% |
| Q3 2025 | $13.59B | $16.63B | 41.85% | 10.11% | 5.28% |
| Q4 2025 | $13.49B | $16.60B | 42.09% | 10.23% | 5.09% |
| Q1 2026 | $15.44B | $18.59B | 43.40% | 10.79% | 5.18% |
| Q2 2026 | $15.48B | $18.82B | 43.82% | 10.88% | 5.16% |
TowneBank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock TowneBank, 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 TowneBank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 35095) · FFIEC NIC profile (RSSD 2797724)