Craft 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): 15.80 percentage points higher than in Q1 2026, at 128.89%. Among 122 Georgia banks, Craft Bank sits 6th from the top on loan-to-deposit ratio, 100.63% as of Q2 2026. Craft Bank reported 100.63% on loan-to-deposit ratio for Q2 2026, 19.80 points above the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $262.0M |
| Net loans and leases | $258.8M |
| Loans held for sale | $14.6M |
| Loans to total assets | 85.63% |
| Loan-to-deposit ratio | 100.63% |
| Net loans to equity capital | 6.16% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 32.80% |
| Multifamily (5+ residential) | 2.09% |
| Commercial and industrial | 32.72% |
| Consumer | 0.40% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 218.79% |
| Construction concentration (Tier 1 capital + allowance) | 128.89% |
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 | 8.49% |
| Interest income on loans | $5.4M |
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 | $143.3M | $148.9M | 41.40% | 17.36% | 3.75% |
| Q4 2023 | $168.3M | $184.9M | 40.87% | 17.99% | 3.02% |
| Q1 2024 | $186.8M | $193.3M | 42.67% | 20.34% | 2.43% |
| Q2 2024 | $200.4M | $212.8M | 42.06% | 21.71% | 2.08% |
| Q3 2024 | $202.5M | $206.7M | 41.38% | 22.99% | 1.83% |
| Q4 2024 | $209.8M | $227.3M | 37.49% | 27.82% | 1.47% |
| Q1 2025 | $225.1M | $226.6M | 37.10% | 27.06% | 1.17% |
| Q2 2025 | $219.4M | $227.4M | 36.35% | 32.04% | 1.03% |
| Q3 2025 | $224.5M | $238.8M | 36.81% | 31.55% | 0.87% |
| Q4 2025 | $234.2M | $228.5M | 36.53% | 31.49% | 0.68% |
| Q1 2026 | $248.7M | $278.4M | 35.28% | 31.49% | 0.50% |
| Q2 2026 | $262.0M | $260.3M | 32.80% | 32.72% | 0.40% |
Craft Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Craft 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 Craft Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 59209) · FFIEC NIC profile (RSSD 5472880)