Community 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.
The standout move of Q2 2026 was in Construction concentration (Tier 1 capital + allowance): 14.68 percentage points lower than in Q1 2026, at 51.79%. Community Bank of Georgia ranks 66th of 122 Georgia banks on loan-to-deposit ratio, in the lower half at 78.56% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio; Community Bank of Georgia reported 78.56% for Q2 2026, nearly level with it.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $188.3M |
| Net loans and leases | $184.7M |
| Loans held for sale | $0 |
| Loans to total assets | 69.85% |
| Loan-to-deposit ratio | 78.56% |
| Net loans to equity capital | 6.67% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 24.52% |
| Multifamily (5+ residential) | 7.48% |
| Commercial and industrial | 4.48% |
| Consumer | 1.08% |
| Credit cards | 0.00% |
| Farm | 29.59% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 162.97% |
| Construction concentration (Tier 1 capital + allowance) | 51.79% |
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 | 7.76% |
| 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 | $110.4M | $167.0M | 26.78% | 12.44% | 1.35% |
| Q4 2023 | $113.9M | $173.8M | 26.08% | 9.86% | 1.27% |
| Q1 2024 | $111.8M | $170.6M | 27.53% | 8.25% | 1.37% |
| Q2 2024 | $120.9M | $182.9M | 22.80% | 8.90% | 1.28% |
| Q3 2024 | $125.0M | $181.6M | 24.98% | 7.65% | 1.29% |
| Q4 2024 | $133.9M | $197.4M | 26.23% | 5.24% | 1.18% |
| Q1 2025 | $144.8M | $205.0M | 28.67% | 4.19% | 0.97% |
| Q2 2025 | $152.6M | $224.2M | 27.31% | 4.34% | 0.94% |
| Q3 2025 | $159.5M | $220.1M | 24.54% | 4.81% | 0.92% |
| Q4 2025 | $165.9M | $219.2M | 21.38% | 3.93% | 0.88% |
| Q1 2026 | $176.4M | $219.9M | 20.68% | 4.34% | 0.91% |
| Q2 2026 | $188.3M | $239.6M | 24.52% | 4.48% | 1.08% |
Community Bank of Georgia loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Community 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 Community Bank of Georgia profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57579) · FFIEC NIC profile (RSSD 3213333)