Commercial Banking Company: 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) climbed 54.26 percentage points in Q2 2026, from 64.81% to 119.07%. It was the largest change from Q1 2026 among the key lines here. Commercial Banking Company ranks 44th of 122 Georgia banks on loan-to-deposit ratio, in the upper half at 84.37% (Q2 2026). Commercial Banking Company reported 84.37% on loan-to-deposit ratio for Q2 2026, 3.53 points above the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $305.1M |
| Net loans and leases | $301.2M |
| Loans held for sale | $0 |
| Loans to total assets | 74.51% |
| Loan-to-deposit ratio | 84.37% |
| Net loans to equity capital | 7.79% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 27.96% |
| Multifamily (5+ residential) | 4.32% |
| Commercial and industrial | 7.01% |
| Consumer | 1.02% |
| Credit cards | 0.00% |
| Farm | 1.56% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.65% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 199.03% |
| Construction concentration (Tier 1 capital + allowance) | 119.07% |
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 | 7.24% |
| Interest income on loans | $5.5M |
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 | $210.6M | $312.2M | 27.17% | 7.31% | 1.34% |
| Q4 2023 | $214.1M | $314.0M | 26.56% | 7.07% | 1.14% |
| Q1 2024 | $225.7M | $317.3M | 26.91% | 6.24% | 1.10% |
| Q2 2024 | $229.9M | $316.8M | 27.37% | 6.02% | 0.99% |
| Q3 2024 | $237.0M | $329.3M | 27.27% | 7.44% | 1.08% |
| Q4 2024 | $238.4M | $308.5M | 27.25% | 6.98% | 1.13% |
| Q1 2025 | $247.9M | $322.4M | 27.87% | 8.72% | 1.18% |
| Q2 2025 | $260.9M | $316.4M | 26.73% | 8.87% | 1.12% |
| Q3 2025 | $275.0M | $334.9M | 27.77% | 8.68% | 1.10% |
| Q4 2025 | $289.2M | $327.9M | 30.78% | 8.35% | 1.08% |
| Q1 2026 | $300.5M | $363.3M | 29.75% | 9.40% | 0.95% |
| Q2 2026 | $305.1M | $361.6M | 27.96% | 7.01% | 1.02% |
Commercial Banking Company loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Commercial Banking Company, 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 Commercial Banking Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16246) · FFIEC NIC profile (RSSD 381932)