Tristar 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.
Construction concentration (Tier 1 capital + allowance) dropped 13.51 percentage points in Q2 2026, from 67.26% to 53.75%. It was the largest change from Q1 2026 among the key lines here. Tristar Bank ranks 66th of 109 Tennessee banks on loan-to-deposit ratio, in the lower half at 80.36% (Q2 2026). At 80.36%, Tristar Bank's loan-to-deposit ratio is close to the 80.55% median for banks in the $100M-1B asset tier (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $374.7M |
| Net loans and leases | $371.5M |
| Loans held for sale | $1.1M |
| Loans to total assets | 66.59% |
| Loan-to-deposit ratio | 80.36% |
| Net loans to equity capital | 7.94% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 33.88% |
| Multifamily (5+ residential) | 1.05% |
| Commercial and industrial | 7.31% |
| Consumer | 2.69% |
| Credit cards | 0.00% |
| Farm | 1.62% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 5.97% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 188.39% |
| Construction concentration (Tier 1 capital + allowance) | 53.75% |
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 | 6.77% |
| Interest income on loans | $6.2M |
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 | $317.2M | $405.9M | 30.80% | 6.74% | 4.19% |
| Q4 2023 | $328.0M | $403.0M | 31.59% | 6.98% | 3.76% |
| Q1 2024 | $328.4M | $404.7M | 32.27% | 7.14% | 3.96% |
| Q2 2024 | $344.3M | $415.7M | 31.70% | 7.20% | 3.79% |
| Q3 2024 | $358.2M | $401.5M | 30.06% | 7.64% | 3.56% |
| Q4 2024 | $364.2M | $406.7M | 30.32% | 7.46% | 3.35% |
| Q1 2025 | $374.4M | $419.6M | 30.22% | 7.38% | 3.18% |
| Q2 2025 | $368.9M | $423.2M | 30.74% | 7.69% | 3.17% |
| Q3 2025 | $373.1M | $445.1M | 30.05% | 7.75% | 3.01% |
| Q4 2025 | $383.5M | $459.7M | 32.14% | 7.29% | 2.88% |
| Q1 2026 | $374.5M | $479.6M | 31.66% | 7.56% | 2.76% |
| Q2 2026 | $374.7M | $466.3M | 33.88% | 7.31% | 2.69% |
Tristar Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Tristar 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 Tristar Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 35417) · FFIEC NIC profile (RSSD 2871099)