American Commerce Bank, N.A.: 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): 10.90 percentage points lower than in Q1 2026, at 246.66%. Among 122 Georgia banks, American Commerce Bank, N.A. sits 4th from the top on loan-to-deposit ratio, 104.65% as of Q2 2026. American Commerce Bank, N.A. reported 104.65% on loan-to-deposit ratio for Q2 2026, 23.81 points above the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $410.3M |
| Net loans and leases | $401.4M |
| Loans held for sale | $0 |
| Loans to total assets | 82.78% |
| Loan-to-deposit ratio | 104.65% |
| Net loans to equity capital | 4.74% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 64.66% |
| Multifamily (5+ residential) | 6.13% |
| Commercial and industrial | 7.16% |
| Consumer | 0.42% |
| Credit cards | 0.00% |
| Farm | 0.95% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 246.66% |
| Construction concentration (Tier 1 capital + allowance) | 43.08% |
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 | 7.17% |
| Interest income on loans | $7.5M |
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 | $418.5M | $420.9M | 57.67% | 4.88% | 0.63% |
| Q4 2023 | $413.4M | $416.2M | 59.27% | 3.59% | 0.63% |
| Q1 2024 | $423.1M | $410.8M | 58.72% | 4.40% | 0.60% |
| Q2 2024 | $423.5M | $394.6M | 58.19% | 5.46% | 0.58% |
| Q3 2024 | $448.2M | $423.8M | 60.16% | 5.81% | 0.53% |
| Q4 2024 | $449.0M | $443.5M | 60.16% | 9.84% | 0.50% |
| Q1 2025 | $441.3M | $416.7M | 60.62% | 10.14% | 0.50% |
| Q2 2025 | $427.8M | $404.8M | 61.64% | 10.31% | 0.51% |
| Q3 2025 | $406.1M | $398.1M | 61.73% | 10.74% | 0.51% |
| Q4 2025 | $414.6M | $385.1M | 64.70% | 7.30% | 0.47% |
| Q1 2026 | $418.6M | $384.8M | 65.43% | 7.11% | 0.43% |
| Q2 2026 | $410.3M | $392.1M | 64.66% | 7.16% | 0.42% |
American Commerce Bank, N.A. loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock American Commerce Bank, N.A., 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 American Commerce Bank, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57686) · FFIEC NIC profile (RSSD 3272956)