Bank of Hazlehurst: Loan Modifications and Restructuring
Data as of · Call Report Schedules RC-C Memoranda and RC-N How we update
Loans whose terms were changed for a borrower in financial difficulty. Modification postpones a loss rather than removing it, so a modified book growing faster than the non-performing book is worth reading as an early signal rather than a clean bill of health.
Net charge-off ratio dropped 0.81 percentage points in Q2 2026, from 0.13% to -0.68%. It was the largest change from Q1 2026 among the key lines here.
Modified loans
| Line item | Q2 2026 |
|---|---|
| Modified loans and leases | $0 |
| Modified loans to total loans | 0.00% |
| Non-performing assets excluding restructured loans, to assets | 0.29% |
Read against the non-performing book
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to total loans | 0.68% |
| Nonaccrual loans to loans | 0.68% |
| Loans 90+ days past due to loans | 0.00% |
| Net charge-off ratio | -0.68% |
| Allowance for credit losses to loans | 3.82% |
Shown side by side so the modified share can be compared with recognised non-performing loans and with what has already been charged off.
Loan Modifications and Restructuring trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
A modified share rising while the non-performing share stays flat is the pattern worth investigating.
Loan Modifications and Restructuring by quarter
| Quarter | Modified loans | Non-performing loans | Net charge-offs |
|---|---|---|---|
| Q3 2023 | 0.21% | 1.67% | -0.10% |
| Q4 2023 | 0.22% | 1.49% | 0.12% |
| Q1 2024 | 0.24% | 0.79% | -3.41% |
| Q2 2024 | 0.00% | 0.46% | -0.19% |
| Q3 2024 | 0.00% | 0.39% | -0.37% |
| Q4 2024 | 0.00% | 0.27% | -0.16% |
| Q1 2025 | 0.00% | 0.41% | -0.35% |
| Q2 2025 | 0.00% | 1.77% | -0.15% |
| Q3 2025 | 0.00% | 1.31% | -0.28% |
| Q4 2025 | 0.00% | 1.16% | -0.47% |
| Q1 2026 | 0.00% | 0.72% | 0.13% |
| Q2 2026 | 0.00% | 0.68% | -0.68% |
Bank of Hazlehurst loan modifications and restructuring, all the way back
Loan Modifications and Restructuring back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Hazlehurst, freeSource: Call Report Schedules RC-C Memoranda and RC-N, 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)