Family 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.
Construction concentration (tier 1 capital + allowance) climbed 3.27 percentage points in Q2 2026, from 14.75% to 18.03%. It was the largest change from Q1 2026 among the key lines here. On loan-to-deposit ratio, Family Bank ranks 5th highest among the 122 banks headquartered in Georgia, at 103.11% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Family Bank sits 22.27 points higher, at 103.11% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $142.6M |
| Net loans and leases | $140.0M |
| Loans held for sale | $0 |
| Loans to total assets | 88.02% |
| Loan-to-deposit ratio | 103.11% |
| Net loans to equity capital | 6.15% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 8.19% |
| Multifamily (5+ residential) | 1.85% |
| Commercial and industrial | 7.98% |
| Consumer | 7.94% |
| Credit cards | 0.00% |
| Farm | 2.70% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 31.61% |
| Construction concentration (Tier 1 capital + allowance) | 18.03% |
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 | 7.11% |
| Interest income on loans | $2.5M |
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 | $113.1M | $121.1M | 7.90% | 6.12% | 9.24% |
| Q4 2023 | $115.9M | $120.6M | 7.61% | 7.01% | 9.39% |
| Q1 2024 | $117.9M | $126.6M | 9.00% | 7.11% | 9.12% |
| Q2 2024 | $118.1M | $124.3M | 8.91% | 7.75% | 9.18% |
| Q3 2024 | $119.4M | $127.9M | 8.54% | 8.88% | 9.27% |
| Q4 2024 | $121.1M | $127.7M | 8.36% | 9.11% | 8.98% |
| Q1 2025 | $121.8M | $129.2M | 9.23% | 7.76% | 8.83% |
| Q2 2025 | $128.6M | $132.3M | 9.77% | 6.89% | 8.75% |
| Q3 2025 | $132.9M | $130.5M | 9.12% | 7.27% | 8.62% |
| Q4 2025 | $136.0M | $132.8M | 9.05% | 7.47% | 8.67% |
| Q1 2026 | $139.7M | $135.9M | 8.40% | 7.55% | 8.71% |
| Q2 2026 | $142.6M | $138.3M | 8.19% | 7.98% | 7.94% |
Family Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Family 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 Family Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 29357) · FFIEC NIC profile (RSSD 156970)