First American Bank and Trust Company: 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) dropped 7.77 percentage points in Q3 2026, from 94.59% to 86.82%. It was the largest change from Q2 2026 among the key lines here. First American Bank and Trust Company ranks 25th of 122 Georgia banks on loan-to-deposit ratio, in the upper half at 89.51% (Q3 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. First American Bank and Trust Company sits 8.67 points higher, at 89.51% (Q3 2026); the peer median is as of Q2 2026.
Loan totals
| Line item | Q3 2026 |
|---|---|
| Total loans and leases | $714.6M |
| Net loans and leases | $706.7M |
| Loans held for sale | $1.0M |
| Loans to total assets | 75.72% |
| Loan-to-deposit ratio | 89.51% |
| Net loans to equity capital | 5.91% |
Portfolio mix (share of total loans)
| Line item | Q3 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 46.08% |
| Multifamily (5+ residential) | 7.82% |
| Commercial and industrial | 3.12% |
| Consumer | 1.82% |
| Credit cards | 0.00% |
| Farm | 0.26% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q3 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 287.47% |
| Construction concentration (Tier 1 capital + allowance) | 86.82% |
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 | Q3 2026 |
|---|---|
| Yield on loans | 6.21% |
| Interest income on loans | $10.9M |
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 |
|---|---|---|---|---|---|
| Q4 2023 | $567.8M | $700.0M | 45.31% | 3.41% | 0.56% |
| Q1 2024 | $573.8M | $726.5M | 46.81% | 3.54% | 0.67% |
| Q2 2024 | $580.3M | $697.0M | 47.54% | 3.23% | 0.74% |
| Q3 2024 | $589.1M | $690.1M | 47.33% | 3.17% | 0.73% |
| Q4 2024 | $608.9M | $685.3M | 45.44% | 3.00% | 2.63% |
| Q1 2025 | $612.4M | $725.6M | 46.21% | 2.80% | 2.45% |
| Q2 2025 | $636.4M | $729.2M | 44.97% | 2.64% | 2.63% |
| Q3 2025 | $646.0M | $737.9M | 44.97% | 2.48% | 2.37% |
| Q4 2025 | $665.2M | $720.7M | 47.11% | 2.49% | 2.21% |
| Q1 2026 | $706.3M | $751.1M | 47.35% | 2.30% | 1.98% |
| Q2 2026 | $709.3M | $753.2M | 46.38% | 2.33% | 1.91% |
| Q3 2026 | $714.6M | $798.4M | 46.08% | 3.12% | 1.82% |
First American Bank and Trust Company loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock First American Bank and Trust Company, 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 First American Bank and Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16858) · FFIEC NIC profile (RSSD 921039)