Bank of Hazlehurst: 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: 4.05 percentage points higher than in Q1 2026, at 48.76%. On loan-to-deposit ratio, Bank of Hazlehurst is 11th from the bottom among 122 Georgia banks, 48.76% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Bank of Hazlehurst sits 32.08 points lower, at 48.76% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $57.5M |
| Net loans and leases | $55.3M |
| Loans held for sale | $0 |
| Loans to total assets | 42.83% |
| Loan-to-deposit ratio | 48.76% |
| Net loans to equity capital | 3.48% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 13.49% |
| Multifamily (5+ residential) | 3.45% |
| Commercial and industrial | 8.83% |
| Consumer | 9.62% |
| Credit cards | 0.00% |
| Farm | 16.54% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 3.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 63.08% |
| Construction concentration (Tier 1 capital + allowance) | 28.43% |
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 | 7.82% |
| Interest income on loans | $1.1M |
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 | $55.0M | $117.3M | 21.68% | 7.35% | 4.53% |
| Q4 2023 | $52.3M | $114.1M | 19.45% | 7.99% | 4.83% |
| Q1 2024 | $46.5M | $109.6M | 20.37% | 10.26% | 5.07% |
| Q2 2024 | $52.4M | $108.6M | 17.83% | 8.79% | 9.41% |
| Q3 2024 | $52.7M | $106.3M | 18.03% | 9.03% | 9.49% |
| Q4 2024 | $50.2M | $120.9M | 19.26% | 10.03% | 10.07% |
| Q1 2025 | $46.9M | $118.8M | 19.00% | 10.25% | 11.10% |
| Q2 2025 | $50.6M | $130.7M | 16.73% | 10.34% | 10.08% |
| Q3 2025 | $50.0M | $129.3M | 15.04% | 10.01% | 10.64% |
| Q4 2025 | $54.1M | $127.1M | 13.85% | 9.30% | 9.98% |
| Q1 2026 | $54.5M | $122.0M | 14.18% | 9.41% | 10.14% |
| Q2 2026 | $57.5M | $117.9M | 13.49% | 8.83% | 9.62% |
Bank of Hazlehurst loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Hazlehurst, 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 Hazlehurst profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 149) · FFIEC NIC profile (RSSD 628039)