Banksouth: 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): 11.39 percentage points higher than in Q1 2026, at 243.00%. Banksouth ranks 20th of 122 Georgia banks on loan-to-deposit ratio, in the upper half at 91.01% (Q2 2026). The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. Banksouth sits 2.81 points higher, at 91.01% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $1.24B |
| Net loans and leases | $1.22B |
| Loans held for sale | $44.7M |
| Loans to total assets | 78.03% |
| Loan-to-deposit ratio | 91.01% |
| Net loans to equity capital | 7.40% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 24.59% |
| Multifamily (5+ residential) | 4.22% |
| Commercial and industrial | 4.36% |
| Consumer | 1.47% |
| Credit cards | 0.00% |
| Farm | 1.12% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.01% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 243.00% |
| Construction concentration (Tier 1 capital + allowance) | 97.99% |
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 | — |
| Interest income on loans | $20.2M |
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 | $1.01B | $1.06B | 25.77% | 3.13% | 0.55% |
| Q4 2023 | $1.06B | $1.04B | 26.34% | 3.53% | 0.46% |
| Q1 2024 | $1.07B | $1.10B | 28.75% | 3.46% | 0.42% |
| Q2 2024 | $1.10B | $1.14B | 28.31% | 3.38% | 0.48% |
| Q3 2024 | $1.09B | $1.15B | 28.38% | 3.54% | 0.48% |
| Q4 2024 | $1.08B | $1.13B | 30.08% | 3.57% | 0.44% |
| Q1 2025 | $1.08B | $1.16B | 29.62% | 3.67% | 0.44% |
| Q2 2025 | $1.07B | $1.13B | 27.51% | 3.37% | 0.49% |
| Q3 2025 | $1.08B | $1.13B | 27.09% | 4.48% | 0.43% |
| Q4 2025 | $1.22B | $1.34B | 26.56% | 4.38% | 1.61% |
| Q1 2026 | $1.19B | $1.40B | 26.01% | 4.59% | 1.60% |
| Q2 2026 | $1.24B | $1.36B | 24.59% | 4.36% | 1.47% |
Banksouth loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Banksouth, 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 Banksouth profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16418) · FFIEC NIC profile (RSSD 88231)