Bank of Dudley: 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 Q3 2026 was in CRE concentration (Tier 1 capital + allowance): 15.47 percentage points lower than in Q2 2026, at 237.67%. Bank of Dudley ranks 40th of 122 Georgia banks on loan-to-deposit ratio, in the upper half at 85.28% (Q3 2026). Bank of Dudley reported 85.28% on loan-to-deposit ratio for Q3 2026, 4.45 points above the 80.84% median for banks in the $100M-1B asset tier; the peer median is as of Q2 2026.
Loan totals
| Line item | Q3 2026 |
|---|---|
| Total loans and leases | $403.7M |
| Net loans and leases | $398.2M |
| Loans held for sale | $0 |
| Loans to total assets | 76.08% |
| Loan-to-deposit ratio | 85.28% |
| Net loans to equity capital | 7.27% |
Portfolio mix (share of total loans)
| Line item | Q3 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 43.78% |
| Multifamily (5+ residential) | 4.20% |
| Commercial and industrial | 11.23% |
| Consumer | 4.25% |
| Credit cards | 0.25% |
| Farm | 3.35% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.37% |
Concentration measures
| Line item | Q3 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 237.67% |
| Construction concentration (Tier 1 capital + allowance) | 84.52% |
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 | Q3 2026 |
|---|---|
| Yield on loans | 7.42% |
| Interest income on loans | $7.1M |
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 |
|---|---|---|---|---|---|
| Q4 2023 | $263.1M | $345.5M | 44.55% | 12.78% | 5.67% |
| Q1 2024 | $266.8M | $364.2M | 45.06% | 12.23% | 5.51% |
| Q2 2024 | $275.6M | $367.3M | 43.98% | 12.38% | 5.37% |
| Q3 2024 | $290.1M | $375.0M | 41.99% | 11.41% | 5.38% |
| Q4 2024 | $289.3M | $400.1M | 40.32% | 11.50% | 5.04% |
| Q1 2025 | $296.4M | $410.6M | 39.18% | 11.48% | 5.27% |
| Q2 2025 | $314.1M | $412.8M | 41.43% | 11.81% | 4.98% |
| Q3 2025 | $322.0M | $448.5M | 41.47% | 11.65% | 4.82% |
| Q4 2025 | $341.6M | $453.1M | 43.39% | 11.81% | 4.44% |
| Q1 2026 | $347.2M | $475.4M | 42.13% | 12.46% | 4.27% |
| Q2 2026 | $369.4M | $486.8M | 41.48% | 12.11% | 4.14% |
| Q3 2026 | $403.7M | $473.4M | 43.78% | 11.23% | 4.25% |
Bank of Dudley loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Dudley, 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 Dudley profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9068) · FFIEC NIC profile (RSSD 546535)