Douglas National 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 CRE concentration (Tier 1 capital + allowance): 7.99 percentage points higher than in Q1 2026, at 223.92%. Within Georgia, Douglas National Bank is 38th of 122 on loan-to-deposit ratio, 85.61% 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. Douglas National Bank sits 4.77 points higher, at 85.61% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $252.3M |
| Net loans and leases | $249.7M |
| Loans held for sale | $0 |
| Loans to total assets | 77.16% |
| Loan-to-deposit ratio | 85.61% |
| Net loans to equity capital | 7.83% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 26.68% |
| Multifamily (5+ residential) | 0.14% |
| Commercial and industrial | 12.19% |
| Consumer | 3.44% |
| Credit cards | 0.00% |
| Farm | 9.26% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 223.92% |
| Construction concentration (Tier 1 capital + allowance) | 33.59% |
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 | 7.45% |
| Interest income on loans | $4.7M |
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 | $181.7M | $257.3M | 25.50% | 16.19% | 3.55% |
| Q4 2023 | $188.5M | $252.8M | 24.77% | 15.42% | 3.51% |
| Q1 2024 | $195.5M | $259.4M | 24.40% | 15.52% | 3.35% |
| Q2 2024 | $207.6M | $251.4M | 24.01% | 16.25% | 3.17% |
| Q3 2024 | $211.4M | $253.1M | 23.35% | 15.81% | 3.37% |
| Q4 2024 | $218.7M | $327.3M | 26.87% | 14.29% | 3.37% |
| Q1 2025 | $221.9M | $299.6M | 25.52% | 14.59% | 3.93% |
| Q2 2025 | $226.5M | $301.7M | 25.04% | 14.91% | 4.02% |
| Q3 2025 | $230.9M | $278.8M | 26.35% | 12.81% | 3.96% |
| Q4 2025 | $238.1M | $292.0M | 26.07% | 13.16% | 3.87% |
| Q1 2026 | $242.4M | $301.1M | 24.82% | 11.87% | 3.72% |
| Q2 2026 | $252.3M | $294.7M | 26.68% | 12.19% | 3.44% |
Douglas National Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Douglas National 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 Douglas National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57230) · FFIEC NIC profile (RSSD 3049635)