The Bank of Edison: 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 CRE concentration (Tier 1 capital + allowance): 36.18 percentage points lower than in Q1 2026, at 52.09%. The Bank of Edison ranks 91st of 122 Georgia banks on loan-to-deposit ratio, in the lower half at 64.04% (Q2 2026). The median for banks in the < $100M asset tier is 67.62% on loan-to-deposit ratio. The Bank of Edison sits 3.59 points lower, at 64.04% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $50.3M |
| Net loans and leases | $49.6M |
| Loans held for sale | $0 |
| Loans to total assets | 59.92% |
| Loan-to-deposit ratio | 64.04% |
| Net loans to equity capital | 9.80% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 17.44% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 7.27% |
| Consumer | 6.01% |
| Credit cards | 0.00% |
| Farm | 16.53% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.15% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 52.09% |
| Construction concentration (Tier 1 capital + allowance) | 6.85% |
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 | 8.49% |
| Interest income on loans | $1.0M |
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 | $40.3M | $70.2M | 14.92% | 4.36% | 8.72% |
| Q4 2023 | $37.7M | $70.7M | 20.78% | 4.64% | 9.17% |
| Q1 2024 | $41.0M | $77.9M | 20.23% | 4.21% | 8.52% |
| Q2 2024 | $45.6M | $75.1M | 17.90% | 3.44% | 7.55% |
| Q3 2024 | $47.6M | $74.7M | 18.38% | 3.67% | 7.36% |
| Q4 2024 | $42.9M | $75.4M | 20.32% | 4.87% | 7.68% |
| Q1 2025 | $42.6M | $76.4M | 19.33% | 9.42% | 7.61% |
| Q2 2025 | $47.2M | $76.1M | 15.63% | 10.42% | 6.64% |
| Q3 2025 | $48.0M | $82.3M | 14.96% | 11.55% | 6.23% |
| Q4 2025 | $47.7M | $79.8M | 23.24% | 12.24% | 5.81% |
| Q1 2026 | $49.7M | $79.8M | 25.60% | 10.32% | 5.40% |
| Q2 2026 | $50.3M | $78.6M | 17.44% | 7.27% | 6.01% |
The Bank of Edison loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The Bank of Edison, 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 The Bank of Edison profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5686) · FFIEC NIC profile (RSSD 610539)