The Citizens Bank of Swainsboro: 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.
Cre concentration (tier 1 capital + allowance) dropped 4.03 percentage points in Q2 2026, from 165.35% to 161.32%. It was the largest change from Q1 2026 among the key lines here. The Citizens Bank of Swainsboro ranks 52nd of 122 Georgia banks on loan-to-deposit ratio, in the upper half at 81.91% (Q2 2026). At 81.91%, The Citizens Bank of Swainsboro's loan-to-deposit ratio is close to the 80.84% median for banks in the $100M-1B asset tier (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $299.0M |
| Net loans and leases | $293.2M |
| Loans held for sale | $0 |
| Loans to total assets | 71.12% |
| Loan-to-deposit ratio | 81.91% |
| Net loans to equity capital | 5.78% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 18.22% |
| Multifamily (5+ residential) | 3.59% |
| Commercial and industrial | 13.83% |
| Consumer | 4.79% |
| Credit cards | 0.00% |
| Farm | 6.68% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.68% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 161.32% |
| Construction concentration (Tier 1 capital + allowance) | 73.93% |
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 | 7.22% |
| Interest income on loans | $5.4M |
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 | $245.1M | $288.2M | 15.10% | 18.56% | 5.85% |
| Q4 2023 | $245.6M | $299.6M | 15.42% | 18.03% | 6.13% |
| Q1 2024 | $247.8M | $299.7M | 15.23% | 17.56% | 5.92% |
| Q2 2024 | $258.9M | $303.3M | 16.22% | 16.14% | 5.67% |
| Q3 2024 | $261.4M | $315.2M | 16.73% | 16.33% | 5.52% |
| Q4 2024 | $263.3M | $343.3M | 16.64% | 16.19% | 5.26% |
| Q1 2025 | $274.1M | $353.1M | 19.61% | 15.35% | 5.08% |
| Q2 2025 | $281.9M | $352.7M | 20.06% | 14.82% | 5.00% |
| Q3 2025 | $286.4M | $358.2M | 19.25% | 14.50% | 4.92% |
| Q4 2025 | $290.4M | $359.9M | 19.02% | 13.92% | 4.92% |
| Q1 2026 | $294.8M | $365.7M | 18.41% | 13.66% | 4.78% |
| Q2 2026 | $299.0M | $365.1M | 18.22% | 13.83% | 4.79% |
The Citizens Bank of Swainsboro loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The Citizens Bank of Swainsboro, 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 Swainsboro profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11295) · FFIEC NIC profile (RSSD 268136)