The Citizens Bank of Georgia: 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.
Construction concentration (tier 1 capital + allowance) dropped 8.16 percentage points in Q2 2026, from 66.41% to 58.25%. It was the largest change from Q1 2026 among the key lines here. Within Georgia, The Citizens Bank of Georgia is 93rd of 122 on loan-to-deposit ratio, 61.39% as of Q2 2026, below the middle of the field. The Citizens Bank of Georgia reported 61.39% on loan-to-deposit ratio for Q2 2026, 19.44 points below the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $326.2M |
| Net loans and leases | $321.9M |
| Loans held for sale | $0 |
| Loans to total assets | 54.50% |
| Loan-to-deposit ratio | 61.39% |
| Net loans to equity capital | 4.92% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 50.07% |
| Multifamily (5+ residential) | 3.91% |
| Commercial and industrial | 5.82% |
| Consumer | 2.04% |
| Credit cards | 0.00% |
| Farm | 0.20% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 199.95% |
| Construction concentration (Tier 1 capital + allowance) | 58.25% |
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 | 6.51% |
| Interest income on loans | $5.3M |
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 | $277.4M | $484.3M | 48.00% | 8.04% | 1.82% |
| Q4 2023 | $283.7M | $475.6M | 47.88% | 8.35% | 1.76% |
| Q1 2024 | $278.3M | $493.7M | 49.56% | 6.81% | 1.76% |
| Q2 2024 | $275.5M | $498.9M | 49.38% | 6.84% | 1.83% |
| Q3 2024 | $281.5M | $495.7M | 49.16% | 6.72% | 1.89% |
| Q4 2024 | $287.9M | $505.9M | 49.00% | 7.57% | 1.77% |
| Q1 2025 | $283.7M | $527.8M | 49.61% | 6.63% | 1.72% |
| Q2 2025 | $294.6M | $532.9M | 48.55% | 6.69% | 1.83% |
| Q3 2025 | $313.9M | $555.3M | 45.75% | 6.40% | 2.12% |
| Q4 2025 | $319.4M | $554.0M | 45.84% | 6.31% | 2.28% |
| Q1 2026 | $324.5M | $556.3M | 47.99% | 6.92% | 2.13% |
| Q2 2026 | $326.2M | $531.3M | 50.07% | 5.82% | 2.04% |
The Citizens Bank of Georgia loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The Citizens Bank of Georgia, 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 The Citizens Bank of Georgia profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34229) · FFIEC NIC profile (RSSD 2505451)