Traditions First 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.
Cre concentration (tier 1 capital + allowance) dropped 15.67 percentage points in Q2 2026, from 233.91% to 218.24%. It was the largest change from Q1 2026 among the key lines here. Traditions First Bank ranks 46th of 109 Tennessee banks on loan-to-deposit ratio, in the upper half at 85.92% (Q2 2026). Traditions First Bank reported 85.92% on loan-to-deposit ratio for Q2 2026, 5.08 points above the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $257.8M |
| Net loans and leases | $256.0M |
| Loans held for sale | $0 |
| Loans to total assets | 76.60% |
| Loan-to-deposit ratio | 85.92% |
| Net loans to equity capital | 7.96% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 23.10% |
| Multifamily (5+ residential) | 4.32% |
| Commercial and industrial | 3.10% |
| Consumer | 1.43% |
| Credit cards | 0.00% |
| Farm | 3.87% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.07% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 218.24% |
| Construction concentration (Tier 1 capital + allowance) | 110.44% |
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 | 6.66% |
| Interest income on loans | $4.4M |
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 | $181.1M | $250.4M | 23.60% | 4.79% | 2.14% |
| Q4 2023 | $196.8M | $252.5M | 23.65% | 5.67% | 2.08% |
| Q1 2024 | $207.2M | $265.8M | 23.23% | 4.84% | 1.90% |
| Q2 2024 | $220.0M | $270.5M | 23.17% | 5.01% | 1.71% |
| Q3 2024 | $226.8M | $272.5M | 22.32% | 3.70% | 1.74% |
| Q4 2024 | $238.8M | $279.2M | 23.00% | 3.26% | 1.55% |
| Q1 2025 | $233.8M | $285.0M | 24.68% | 3.42% | 1.63% |
| Q2 2025 | $235.0M | $277.7M | 26.53% | 3.62% | 1.52% |
| Q3 2025 | $241.8M | $290.6M | 25.85% | 3.52% | 1.43% |
| Q4 2025 | $254.0M | $285.1M | 26.88% | 3.46% | 1.32% |
| Q1 2026 | $260.4M | $301.2M | 25.79% | 3.64% | 1.29% |
| Q2 2026 | $257.8M | $300.1M | 23.10% | 3.10% | 1.43% |
Traditions First Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Traditions First 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 Traditions First Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57092) · FFIEC NIC profile (RSSD 2963864)