Bank of Camilla: 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 Loan-to-deposit ratio: 8.79 percentage points higher than in Q1 2026, at 87.03%. Within Georgia, Bank of Camilla is 33rd of 122 on loan-to-deposit ratio, 87.03% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Bank of Camilla sits 6.19 points higher, at 87.03% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $128.5M |
| Net loans and leases | $127.1M |
| Loans held for sale | $0 |
| Loans to total assets | 68.29% |
| Loan-to-deposit ratio | 87.03% |
| Net loans to equity capital | 3.21% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 15.47% |
| Multifamily (5+ residential) | 10.04% |
| Commercial and industrial | 11.57% |
| Consumer | 1.48% |
| Credit cards | 0.28% |
| Farm | 16.13% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 69.44% |
| Construction concentration (Tier 1 capital + allowance) | 24.90% |
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 | 6.76% |
| Interest income on loans | $2.1M |
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 | $98.9M | $117.0M | 14.14% | 4.12% | 1.61% |
| Q4 2023 | $108.0M | $128.8M | 13.13% | 3.81% | 1.63% |
| Q1 2024 | $107.9M | $142.9M | 13.25% | 3.54% | 1.61% |
| Q2 2024 | $110.0M | $139.2M | 15.69% | 4.04% | 1.44% |
| Q3 2024 | $112.8M | $132.7M | 15.31% | 5.82% | 1.44% |
| Q4 2024 | $111.8M | $151.1M | 14.78% | 7.27% | 1.44% |
| Q1 2025 | $111.8M | $132.5M | 15.30% | 6.74% | 1.46% |
| Q2 2025 | $122.5M | $142.0M | 16.22% | 6.49% | 1.25% |
| Q3 2025 | $120.7M | $138.8M | 17.26% | 6.08% | 1.32% |
| Q4 2025 | $118.8M | $155.1M | 17.32% | 5.55% | 1.27% |
| Q1 2026 | $120.6M | $154.1M | 16.95% | 5.97% | 1.53% |
| Q2 2026 | $128.5M | $147.6M | 15.47% | 11.57% | 1.48% |
Bank of Camilla loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Camilla, 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 Camilla profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17190) · FFIEC NIC profile (RSSD 124830)