Durden Banking Company, Incorporated: 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 Loan-to-deposit ratio: 5.58 percentage points higher than in Q1 2026, at 97.16%. Among 122 Georgia banks, Durden Banking Company, Incorporated sits 12th from the top on loan-to-deposit ratio, 97.16% as of Q2 2026. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Durden Banking Company, Incorporated sits 16.32 points higher, at 97.16% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $245.1M |
| Net loans and leases | $240.8M |
| Loans held for sale | $0 |
| Loans to total assets | 81.92% |
| Loan-to-deposit ratio | 97.16% |
| Net loans to equity capital | 5.22% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 25.37% |
| Multifamily (5+ residential) | 2.01% |
| Commercial and industrial | 10.76% |
| Consumer | 4.77% |
| Credit cards | 0.00% |
| Farm | 4.83% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 2.05% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 163.13% |
| Construction concentration (Tier 1 capital + allowance) | 59.27% |
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 | 7.46% |
| Interest income on loans | $4.5M |
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 | $172.9M | $238.4M | 9.80% | 20.69% | 8.71% |
| Q4 2023 | $176.3M | $238.3M | 13.65% | 12.18% | 8.51% |
| Q1 2024 | $182.0M | $251.5M | 14.10% | 11.66% | 7.95% |
| Q2 2024 | $182.8M | $241.2M | 18.59% | 10.65% | 7.51% |
| Q3 2024 | $188.0M | $231.4M | 18.71% | 9.52% | 6.67% |
| Q4 2024 | $192.7M | $243.1M | 18.82% | 9.69% | 6.46% |
| Q1 2025 | $193.9M | $259.8M | 19.69% | 9.28% | 6.33% |
| Q2 2025 | $210.3M | $255.3M | 18.58% | 8.59% | 5.88% |
| Q3 2025 | $222.6M | $248.3M | 19.02% | 8.44% | 5.73% |
| Q4 2025 | $234.8M | $237.9M | 22.85% | 9.86% | 5.21% |
| Q1 2026 | $237.0M | $258.8M | 25.31% | 9.79% | 5.37% |
| Q2 2026 | $245.1M | $252.2M | 25.37% | 10.76% | 4.77% |
Durden Banking Company, Incorporated loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Durden Banking Company, Incorporated, 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 Durden Banking Company, Incorporated profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15336) · FFIEC NIC profile (RSSD 101439)