Truxton Trust Company: 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): 12.48 percentage points lower than in Q1 2026, at 234.35%. Truxton Trust Company ranks 84th of 109 Tennessee banks on loan-to-deposit ratio, in the lower half at 71.36% (Q2 2026). The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. Truxton Trust Company sits 16.84 points lower, at 71.36% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $803.7M |
| Net loans and leases | $796.3M |
| Loans held for sale | $0 |
| Loans to total assets | 58.84% |
| Loan-to-deposit ratio | 71.36% |
| Net loans to equity capital | 6.59% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 29.30% |
| Multifamily (5+ residential) | 7.86% |
| Commercial and industrial | 11.31% |
| Consumer | 4.43% |
| Credit cards | 0.00% |
| Farm | 0.30% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 234.35% |
| Construction concentration (Tier 1 capital + allowance) | 52.80% |
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 | — |
| Interest income on loans | $12.3M |
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 | $641.8M | $791.3M | 33.94% | 7.64% | 7.47% |
| Q4 2023 | $657.8M | $793.2M | 31.48% | 7.34% | 7.39% |
| Q1 2024 | $659.7M | $861.5M | 31.80% | 6.36% | 8.23% |
| Q2 2024 | $648.3M | $850.3M | 31.97% | 6.96% | 7.24% |
| Q3 2024 | $664.7M | $896.5M | 31.49% | 6.77% | 7.96% |
| Q4 2024 | $670.0M | $866.5M | 32.94% | 6.89% | 6.54% |
| Q1 2025 | $701.7M | $1.03B | 29.20% | 10.16% | 5.86% |
| Q2 2025 | $692.1M | $1.05B | 29.77% | 8.60% | 5.92% |
| Q3 2025 | $720.7M | $1.16B | 30.80% | 7.99% | 4.99% |
| Q4 2025 | $813.6M | $1.24B | 32.34% | 11.44% | 4.10% |
| Q1 2026 | $807.8M | $1.19B | 31.39% | 11.75% | 4.19% |
| Q2 2026 | $803.7M | $1.13B | 29.30% | 11.31% | 4.43% |
Truxton Trust Company loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Truxton Trust Company, 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 Truxton Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57825) · FFIEC NIC profile (RSSD 3290240)