Apex Banking Company of Georgia: 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 Construction concentration (Tier 1 capital + allowance): 10.00 percentage points higher than in Q1 2026, at 108.74%. Apex Banking Company of Georgia ranks 83rd of 122 Georgia banks on loan-to-deposit ratio, in the lower half at 68.17% (Q2 2026). At 68.17%, Apex Banking Company of Georgia's loan-to-deposit ratio is close to the 67.62% median for banks in the < $100M asset tier (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $45.3M |
| Net loans and leases | $44.8M |
| Loans held for sale | $0 |
| Loans to total assets | 62.42% |
| Loan-to-deposit ratio | 68.17% |
| Net loans to equity capital | 7.65% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 18.08% |
| Multifamily (5+ residential) | 0.69% |
| Commercial and industrial | 7.96% |
| Consumer | 4.86% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 147.85% |
| Construction concentration (Tier 1 capital + allowance) | 108.74% |
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 | 8.16% |
| Interest income on loans | $890K |
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 | $23.9M | $46.4M | 11.99% | 2.63% | 6.73% |
| Q4 2023 | $26.4M | $48.0M | 10.97% | 6.74% | 5.54% |
| Q1 2024 | $27.6M | $54.8M | 10.36% | 7.30% | 5.47% |
| Q2 2024 | $30.4M | $55.8M | 11.39% | 7.69% | 5.22% |
| Q3 2024 | $31.0M | $55.6M | 11.80% | 6.74% | 5.88% |
| Q4 2024 | $33.7M | $52.6M | 11.04% | 8.32% | 5.82% |
| Q1 2025 | $34.8M | $58.3M | 12.65% | 8.87% | 5.62% |
| Q2 2025 | $35.4M | $61.2M | 13.47% | 8.91% | 5.57% |
| Q3 2025 | $35.7M | $63.7M | 15.12% | 9.37% | 5.97% |
| Q4 2025 | $37.5M | $70.7M | 14.77% | 9.01% | 5.73% |
| Q1 2026 | $42.7M | $66.8M | 16.52% | 9.30% | 5.16% |
| Q2 2026 | $45.3M | $66.5M | 18.08% | 7.96% | 4.86% |
Apex Banking Company of Georgia loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Apex Banking Company of Georgia, 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 Apex Banking Company of Georgia profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10074) · FFIEC NIC profile (RSSD 102333)