Bank of Madison: 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): 14.33 percentage points lower than in Q2 2026, at 191.68%. Within Georgia, Bank of Madison is 46th of 122 on loan-to-deposit ratio, 83.49% as of Q3 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Bank of Madison sits 2.65 points higher, at 83.49% (Q3 2026); the peer median is as of Q2 2026.
Loan totals
| Line item | Q3 2026 |
|---|---|
| Total loans and leases | $330.8M |
| Net loans and leases | $326.1M |
| Loans held for sale | $0 |
| Loans to total assets | 74.03% |
| Loan-to-deposit ratio | 83.49% |
| Net loans to equity capital | 6.99% |
Portfolio mix (share of total loans)
| Line item | Q3 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 26.09% |
| Multifamily (5+ residential) | 0.22% |
| Commercial and industrial | 3.79% |
| Consumer | 0.42% |
| Credit cards | 0.00% |
| Farm | 15.43% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.33% |
Concentration measures
| Line item | Q3 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 191.68% |
| Construction concentration (Tier 1 capital + allowance) | 119.03% |
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 | 7.43% |
| Interest income on loans | $6.1M |
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 | $283.2M | $369.2M | 24.22% | 5.20% | 0.53% |
| Q1 2024 | $289.5M | $372.7M | 23.73% | 4.85% | 0.53% |
| Q2 2024 | $296.0M | $371.6M | 22.45% | 5.05% | 0.51% |
| Q3 2024 | $296.4M | $372.0M | 21.81% | 4.97% | 0.48% |
| Q4 2024 | $295.3M | $358.9M | 22.96% | 4.97% | 0.91% |
| Q1 2025 | $298.2M | $389.1M | 23.16% | 5.42% | 0.87% |
| Q2 2025 | $304.7M | $391.1M | 22.79% | 4.73% | 0.78% |
| Q3 2025 | $308.1M | $385.3M | 22.16% | 4.71% | 0.82% |
| Q4 2025 | $319.9M | $379.7M | 24.82% | 5.03% | 0.50% |
| Q1 2026 | $318.7M | $400.8M | 26.04% | 4.52% | 0.55% |
| Q2 2026 | $326.6M | $398.1M | 24.83% | 4.17% | 0.33% |
| Q3 2026 | $330.8M | $396.2M | 26.09% | 3.79% | 0.42% |
Bank of Madison loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Madison, 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 Madison profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 148) · FFIEC NIC profile (RSSD 752831)