Bank of Dade: 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 9.90 percentage points in Q2 2026, from 77.69% to 67.79%. It was the largest change from Q1 2026 among the key lines here. Bank of Dade ranks 89th of 122 Georgia banks on loan-to-deposit ratio, in the lower half at 64.89% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.94% on loan-to-deposit ratio. Bank of Dade sits 16.05 points lower, at 64.89% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $98.2M |
| Net loans and leases | $96.9M |
| Loans held for sale | $0 |
| Loans to total assets | 60.48% |
| Loan-to-deposit ratio | 64.89% |
| Net loans to equity capital | 9.30% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 8.66% |
| Multifamily (5+ residential) | 3.12% |
| Commercial and industrial | 1.65% |
| Consumer | 7.43% |
| Credit cards | 0.00% |
| Farm | 3.84% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 1.81% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 97.31% |
| Construction concentration (Tier 1 capital + allowance) | 67.79% |
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 | 7.72% |
| Interest income on loans | $1.8M |
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 | $80.7M | $140.3M | 12.44% | 2.95% | 8.57% |
| Q4 2023 | $82.5M | $146.1M | 11.81% | 3.23% | 8.11% |
| Q1 2024 | $83.3M | $145.5M | 11.25% | 2.98% | 8.15% |
| Q2 2024 | $85.4M | $144.3M | 10.52% | 2.86% | 8.27% |
| Q3 2024 | $87.8M | $142.5M | 9.99% | 2.98% | 8.73% |
| Q4 2024 | $87.5M | $144.1M | 11.75% | 1.94% | 7.86% |
| Q1 2025 | $87.1M | $145.3M | 11.89% | 2.04% | 8.38% |
| Q2 2025 | $89.6M | $141.9M | 10.96% | 2.08% | 8.26% |
| Q3 2025 | $92.1M | $140.8M | 10.66% | 1.80% | 7.82% |
| Q4 2025 | $91.5M | $149.2M | 9.55% | 1.80% | 7.85% |
| Q1 2026 | $94.5M | $150.1M | 8.84% | 1.76% | 7.62% |
| Q2 2026 | $98.2M | $151.3M | 8.66% | 1.65% | 7.43% |
Bank of Dade loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Dade, 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 Dade profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17543) · FFIEC NIC profile (RSSD 441630)