Carver State Bank: 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): 15.52 percentage points higher than in Q1 2026, at 149.64%. Carver State Bank has the 13th lowest loan-to-deposit ratio of the 122 banks headquartered in Georgia, at 50.62% as of Q2 2026. Carver State Bank reported 50.62% on loan-to-deposit ratio for Q2 2026, 30.22 points below the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $47.1M |
| Net loans and leases | $46.5M |
| Loans held for sale | $0 |
| Loans to total assets | 42.35% |
| Loan-to-deposit ratio | 50.62% |
| Net loans to equity capital | 2.75% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 50.02% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 15.91% |
| Consumer | 5.04% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 149.64% |
| Construction concentration (Tier 1 capital + allowance) | 17.35% |
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 | 8.40% |
| Interest income on loans | $993K |
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 | $41.3M | $67.6M | 38.37% | 26.15% | 5.17% |
| Q4 2023 | $41.9M | $65.8M | 37.13% | 27.52% | 5.22% |
| Q1 2024 | $43.4M | $65.7M | 37.33% | 27.16% | 5.21% |
| Q2 2024 | $44.7M | $70.9M | 36.34% | 30.10% | 5.23% |
| Q3 2024 | $42.2M | $73.6M | 32.00% | 33.28% | 6.90% |
| Q4 2024 | $42.9M | $88.8M | 31.08% | 35.44% | 7.51% |
| Q1 2025 | $44.3M | $89.5M | 36.66% | 23.29% | 6.44% |
| Q2 2025 | $46.0M | $90.8M | 39.05% | 19.03% | 5.98% |
| Q3 2025 | $46.3M | $93.4M | 38.02% | 22.08% | 7.19% |
| Q4 2025 | $45.5M | $98.1M | 37.49% | 22.91% | 6.51% |
| Q1 2026 | $44.9M | $97.2M | 45.60% | 18.31% | 5.67% |
| Q2 2026 | $47.1M | $93.1M | 50.02% | 15.91% | 5.04% |
Carver State Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Carver State Bank, 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 Carver State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16584) · FFIEC NIC profile (RSSD 370833)