Bank of Hancock County: 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 State and political subdivisions: 5.72 percentage points higher than in Q1 2026, at 5.73%. On loan-to-deposit ratio, Bank of Hancock County is 3rd from the bottom among 122 Georgia banks, 24.48% (Q2 2026). Bank of Hancock County's loan-to-deposit ratio of 24.48% is well below the 67.62% median for banks in the < $100M asset tier, a gap of 43.14 points (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $17.5M |
| Net loans and leases | $16.8M |
| Loans held for sale | $0 |
| Loans to total assets | 20.50% |
| Loan-to-deposit ratio | 24.48% |
| Net loans to equity capital | 1.23% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 0.52% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 17.50% |
| Consumer | 31.63% |
| Credit cards | 0.00% |
| Farm | 4.29% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 5.73% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 2.79% |
| Construction concentration (Tier 1 capital + allowance) | 2.74% |
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 | 9.72% |
| Interest income on loans | $418K |
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 | $24.5M | $65.0M | 3.12% | 12.85% | 22.60% |
| Q4 2023 | $21.3M | $65.3M | 3.42% | 14.04% | 24.23% |
| Q1 2024 | $21.7M | $65.9M | 2.87% | 17.14% | 23.53% |
| Q2 2024 | $22.6M | $66.0M | 2.27% | 11.76% | 26.22% |
| Q3 2024 | $23.0M | $65.8M | 1.97% | 10.11% | 25.94% |
| Q4 2024 | $18.6M | $71.1M | 2.18% | 15.90% | 31.70% |
| Q1 2025 | $20.4M | $72.6M | 2.90% | 14.86% | 28.43% |
| Q2 2025 | $19.2M | $70.8M | 2.70% | 11.71% | 29.96% |
| Q3 2025 | $20.1M | $67.1M | 2.46% | 8.24% | 27.76% |
| Q4 2025 | $19.5M | $72.3M | 2.37% | 10.64% | 28.51% |
| Q1 2026 | $17.4M | $71.0M | 1.37% | 19.64% | 31.20% |
| Q2 2026 | $17.5M | $71.4M | 0.52% | 17.50% | 31.63% |
Bank of Hancock County loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Hancock County, 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 Hancock County profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10057) · FFIEC NIC profile (RSSD 37)