Exchange 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 Loan-to-deposit ratio: 5.65 percentage points higher than in Q1 2026, at 85.44%. Exchange Bank ranks 39th of 122 Georgia banks on loan-to-deposit ratio, in the upper half at 85.44% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.55% on loan-to-deposit ratio. Exchange Bank sits 4.89 points higher, at 85.44% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $306.6M |
| Net loans and leases | $302.1M |
| Loans held for sale | $0 |
| Loans to total assets | 74.73% |
| Loan-to-deposit ratio | 85.44% |
| Net loans to equity capital | 7.70% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 27.35% |
| Multifamily (5+ residential) | 2.38% |
| Commercial and industrial | 2.19% |
| Consumer | 0.47% |
| 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) | 289.06% |
| Construction concentration (Tier 1 capital + allowance) | 205.25% |
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 | 7.59% |
| Interest income on loans | $5.7M |
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 | $203.3M | $321.5M | 27.32% | 2.46% | 1.14% |
| Q4 2023 | $213.9M | $315.4M | 27.27% | 2.81% | 1.08% |
| Q1 2024 | $214.7M | $330.5M | 27.87% | 2.60% | 1.07% |
| Q2 2024 | $225.0M | $318.7M | 27.26% | 2.71% | 0.91% |
| Q3 2024 | $226.8M | $318.7M | 28.97% | 2.16% | 0.91% |
| Q4 2024 | $237.3M | $326.8M | 28.22% | 2.01% | 0.84% |
| Q1 2025 | $244.0M | $329.6M | 28.63% | 1.82% | 0.83% |
| Q2 2025 | $251.3M | $342.6M | 29.16% | 1.86% | 0.85% |
| Q3 2025 | $258.8M | $340.3M | 29.52% | 2.18% | 0.74% |
| Q4 2025 | $270.8M | $344.5M | 28.44% | 2.15% | 0.66% |
| Q1 2026 | $290.8M | $364.4M | 27.58% | 1.89% | 0.59% |
| Q2 2026 | $306.6M | $358.9M | 27.35% | 2.19% | 0.47% |
Exchange Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Exchange 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 Exchange Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 160) · FFIEC NIC profile (RSSD 613839)