AB&T: Loan Portfolio
BankRegReports is independent of AB&T and never asks for online banking logins or passwords.
Data as of · Call Report Schedule RC-C How we update
AB&T reported all 18 line items on this page on its Q3 2026 filing. Total loans and leases was $195.6M in Q3 2026, up 1.2% from $193.3M in Q3 2025. That is 71.5% of its total assets. Across the 12 quarters shown it ranged from $168.9M (Q3 2024) to $195.6M (Q3 2026).
What the loan portfolio page covers and where each line comes from.
CRE concentration (Tier 1 capital + allowance) climbed 9.18 percentage points in Q3 2026, from 124.04% to 133.23%. It was the largest change from Q2 2026 among the key lines here. AB&T ranks 57th of 122 Georgia banks on loan-to-deposit ratio, in the upper half at 83.05% (Q3 2026). At 83.05%, AB&T's loan-to-deposit ratio is close to the 81.45% median for banks in the $100M-1B asset tier (Q3 2026).
Loan totals
| Line item | Q3 2026 |
|---|---|
| Total loans and leases | $195.6M |
| Net loans and leases | $193.2M |
| Loans held for sale | $0 |
| Loans to total assets | 71.48% |
| Loan-to-deposit ratio | 83.05% |
| Net loans to equity capital | 6.29× |
Source: Call Report Schedule RC-C; Total loans and leases: Call Report Schedule RC-C, Part I, item 12 (RCON2122). Open the filed call report for Q3 2026 on the FFIEC CDR.
Portfolio mix (share of total loans)
| Line item | Q3 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 33.96% |
| Multifamily (5+ residential) | 1.01% |
| Commercial and industrial | 19.90% |
| Consumer | 1.62% |
| Credit cards | 0.00% |
| Farm | 4.71% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Source: Call Report Schedule RC-C. Open the filed call report for Q3 2026 on the FFIEC CDR.
Concentration measures
| Line item | Q3 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 133.23% |
| Construction concentration (Tier 1 capital + allowance) | 22.38% |
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.
Source: Call Report Schedule RC-C. Open the filed call report for Q3 2026 on the FFIEC CDR.
Loan earnings
| Line item | Q3 2026 |
|---|---|
| Yield on loans | 6.54% |
| Interest income on loans | $3.2M |
Source: Call Report Schedule RC-C. Open the filed call report for Q3 2026 on the FFIEC CDR.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q4 2023 | $174.9M | $216.0M | 31.47% | 22.55% | 1.42% |
| Q1 2024 | $171.7M | $226.4M | 32.99% | 24.05% | 1.35% |
| Q2 2024 | $174.4M | $220.7M | 35.06% | 24.44% | 1.36% |
| Q3 2024 | $168.9M | $225.4M | 36.18% | 21.86% | 1.78% |
| Q4 2024 | $169.6M | $236.0M | 38.18% | 22.05% | 1.88% |
| Q1 2025 | $168.9M | $238.6M | 36.43% | 24.19% | 1.69% |
| Q2 2025 | $176.3M | $225.8M | 35.24% | 24.39% | 1.45% |
| Q3 2025 | $193.3M | $230.1M | 33.90% | 22.74% | 1.35% |
| Q4 2025 | $187.0M | $247.2M | 31.54% | 20.70% | 1.45% |
| Q1 2026 | $181.5M | $238.6M | 28.81% | 24.22% | 1.51% |
| Q2 2026 | $186.8M | $227.9M | 34.11% | 20.54% | 1.69% |
| Q3 2026 | $195.6M | $235.6M | 33.96% | 19.90% | 1.62% |
AB&T loan portfolio, quarter by quarter
Loan Portfolio since Q3 2021 · peer percentiles on every line item · watchlist alerts
Unlock this bank, freeSource: Call Report Schedule RC-C, Q3 2026. How these pages are built. See the full AB&T profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 35029) · FFIEC NIC profile (RSSD 2775151)