The Claxton 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 Construction concentration (Tier 1 capital + allowance): 8.08 percentage points lower than in Q1 2026, at 64.10%. The Claxton Bank ranks 35th of 122 Georgia banks on loan-to-deposit ratio, in the upper half at 86.44% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. The Claxton Bank sits 5.60 points higher, at 86.44% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $215.4M |
| Net loans and leases | $212.3M |
| Loans held for sale | $0 |
| Loans to total assets | 70.66% |
| Loan-to-deposit ratio | 86.44% |
| Net loans to equity capital | 5.96% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 50.44% |
| Multifamily (5+ residential) | 5.73% |
| Commercial and industrial | 10.68% |
| Consumer | 1.61% |
| Credit cards | 0.00% |
| Farm | 2.41% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 229.85% |
| Construction concentration (Tier 1 capital + allowance) | 64.10% |
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 | 6.82% |
| Interest income on loans | $3.6M |
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 | $101.2M | $144.0M | 40.46% | 7.17% | 2.71% |
| Q4 2023 | $102.5M | $148.2M | 37.62% | 7.42% | 2.60% |
| Q1 2024 | $103.9M | $154.1M | 38.02% | 7.64% | 2.53% |
| Q2 2024 | $101.0M | $156.7M | 38.78% | 7.79% | 2.48% |
| Q3 2024 | $108.6M | $162.1M | 44.23% | 7.35% | 3.19% |
| Q4 2024 | $121.5M | $188.1M | 45.11% | 6.97% | 2.78% |
| Q1 2025 | $137.2M | $192.2M | 42.84% | 5.73% | 2.53% |
| Q2 2025 | $156.7M | $202.1M | 43.47% | 9.77% | 2.27% |
| Q3 2025 | $164.1M | $223.2M | 45.49% | 8.88% | 2.33% |
| Q4 2025 | $174.3M | $228.4M | 44.77% | 11.21% | 2.40% |
| Q1 2026 | $212.8M | $251.1M | 49.46% | 9.88% | 1.82% |
| Q2 2026 | $215.4M | $249.1M | 50.44% | 10.68% | 1.61% |
The Claxton Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The Claxton 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 The Claxton Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15826) · FFIEC NIC profile (RSSD 452739)