Community Bank of Pickens County: 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 CRE concentration (Tier 1 capital + allowance): 6.04 percentage points higher than in Q1 2026, at 210.71%. Within Georgia, Community Bank of Pickens County is 21st of 122 on loan-to-deposit ratio, 90.99% 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. Community Bank of Pickens County sits 10.16 points higher, at 90.99% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $489.4M |
| Net loans and leases | $483.9M |
| Loans held for sale | $0 |
| Loans to total assets | 77.86% |
| Loan-to-deposit ratio | 90.99% |
| Net loans to equity capital | 5.62% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 46.30% |
| Multifamily (5+ residential) | 1.67% |
| Commercial and industrial | 3.80% |
| Consumer | 1.84% |
| Credit cards | 0.00% |
| Farm | 0.72% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 210.71% |
| Construction concentration (Tier 1 capital + allowance) | 143.11% |
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 | 7.38% |
| Interest income on loans | $9.0M |
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 | $367.8M | $473.5M | 46.31% | 5.95% | 3.07% |
| Q4 2023 | $382.2M | $479.4M | 46.62% | 5.87% | 2.73% |
| Q1 2024 | $399.5M | $480.1M | 45.09% | 5.67% | 2.47% |
| Q2 2024 | $411.6M | $473.3M | 45.79% | 5.16% | 2.39% |
| Q3 2024 | $421.7M | $484.4M | 46.10% | 4.77% | 2.45% |
| Q4 2024 | $435.3M | $504.5M | 46.62% | 4.71% | 2.47% |
| Q1 2025 | $436.1M | $512.7M | 48.25% | 4.67% | 2.23% |
| Q2 2025 | $454.2M | $508.5M | 46.40% | 4.75% | 2.08% |
| Q3 2025 | $454.5M | $527.6M | 46.44% | 4.63% | 2.16% |
| Q4 2025 | $468.1M | $542.4M | 46.46% | 4.30% | 2.05% |
| Q1 2026 | $473.8M | $548.3M | 46.02% | 4.31% | 1.91% |
| Q2 2026 | $489.4M | $537.8M | 46.30% | 3.80% | 1.84% |
Community Bank of Pickens County loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Community Bank of Pickens County, 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 Pickens County profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 35513) · FFIEC NIC profile (RSSD 2943615)