Bank of Alapaha: 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 4.31 percentage points in Q2 2026, from 9.40% to 5.10%. It was the largest change from Q1 2026 among the key lines here. Within Georgia, Bank of Alapaha is 106th of 122 on loan-to-deposit ratio, 55.10% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 80.94% on loan-to-deposit ratio. Bank of Alapaha sits 25.85 points lower, at 55.10% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $126.7M |
| Net loans and leases | $123.7M |
| Loans held for sale | $0 |
| Loans to total assets | 50.49% |
| Loan-to-deposit ratio | 55.10% |
| Net loans to equity capital | 6.39% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 4.37% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 24.45% |
| Consumer | 4.73% |
| Credit cards | 0.00% |
| Farm | 7.86% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 36.88% |
| Construction concentration (Tier 1 capital + allowance) | 5.10% |
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 | 6.41% |
| Interest income on loans | $2.0M |
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 | $121.4M | $204.5M | 0.46% | 28.50% | 6.38% |
| Q4 2023 | $118.0M | $224.7M | 0.54% | 28.55% | 6.58% |
| Q1 2024 | $117.9M | $211.4M | 0.43% | 28.88% | 7.28% |
| Q2 2024 | $120.2M | $203.2M | 0.38% | 28.10% | 6.83% |
| Q3 2024 | $125.8M | $202.2M | 0.59% | 28.44% | 7.06% |
| Q4 2024 | $118.7M | $220.7M | 10.03% | 19.73% | 6.88% |
| Q1 2025 | $116.6M | $220.0M | 6.70% | 18.25% | 6.99% |
| Q2 2025 | $122.7M | $218.7M | 5.83% | 19.14% | 6.37% |
| Q3 2025 | $125.8M | $223.2M | 4.94% | 21.18% | 5.75% |
| Q4 2025 | $122.3M | $229.6M | 4.56% | 22.35% | 5.83% |
| Q1 2026 | $120.0M | $230.1M | 4.67% | 23.71% | 4.60% |
| Q2 2026 | $126.7M | $230.0M | 4.37% | 24.45% | 4.73% |
Bank of Alapaha loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Alapaha, 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 Bank of Alapaha profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 155) · FFIEC NIC profile (RSSD 986935)