The Commercial 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.
Construction concentration (tier 1 capital + allowance) dropped 6.07 percentage points in Q2 2026, from 74.26% to 68.19%. It was the largest change from Q1 2026 among the key lines here. Within Georgia, The Commercial Bank is 47th of 122 on loan-to-deposit ratio, 83.07% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio; The Commercial Bank reported 83.07% for Q2 2026, nearly level with it.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $348.2M |
| Net loans and leases | $342.3M |
| Loans held for sale | $0 |
| Loans to total assets | 75.08% |
| Loan-to-deposit ratio | 83.07% |
| Net loans to equity capital | 8.50% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 35.71% |
| Multifamily (5+ residential) | 4.48% |
| Commercial and industrial | 6.11% |
| Consumer | 1.82% |
| Credit cards | 0.00% |
| Farm | 5.39% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 134.68% |
| Construction concentration (Tier 1 capital + allowance) | 68.19% |
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 | 7.48% |
| Interest income on loans | $6.3M |
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 | $269.6M | $361.3M | 32.20% | 7.21% | 1.86% |
| Q4 2023 | $273.2M | $371.6M | 32.06% | 6.77% | 1.93% |
| Q1 2024 | $280.6M | $377.1M | 33.24% | 7.07% | 2.25% |
| Q2 2024 | $290.9M | $382.4M | 33.47% | 6.60% | 2.25% |
| Q3 2024 | $298.2M | $383.5M | 33.77% | 6.63% | 2.14% |
| Q4 2024 | $299.6M | $398.3M | 33.10% | 6.35% | 2.03% |
| Q1 2025 | $301.1M | $396.4M | 33.11% | 6.13% | 2.21% |
| Q2 2025 | $311.1M | $390.9M | 34.60% | 6.10% | 2.17% |
| Q3 2025 | $311.3M | $393.8M | 35.37% | 5.89% | 2.03% |
| Q4 2025 | $322.5M | $419.7M | 34.68% | 5.76% | 2.06% |
| Q1 2026 | $328.6M | $417.2M | 34.43% | 6.18% | 1.88% |
| Q2 2026 | $348.2M | $419.2M | 35.71% | 6.11% | 1.82% |
The Commercial Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The Commercial 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 Commercial Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 175) · FFIEC NIC profile (RSSD 469737)