First Bank of Coastal Georgia: 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): 25.22 percentage points higher than in Q1 2026, at 254.55%. First Bank of Coastal Georgia has the 6th lowest loan-to-deposit ratio of the 122 banks headquartered in Georgia, at 37.75% as of Q2 2026. First Bank of Coastal Georgia's loan-to-deposit ratio of 37.75% is well below the 80.94% median for banks in the $100M-1B asset tier, a gap of 43.19 points (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $71.6M |
| Net loans and leases | $70.7M |
| Loans held for sale | $0 |
| Loans to total assets | 33.20% |
| Loan-to-deposit ratio | 37.75% |
| Net loans to equity capital | 5.77% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 55.80% |
| Multifamily (5+ residential) | 2.43% |
| Commercial and industrial | 3.54% |
| Consumer | 2.77% |
| Credit cards | 0.19% |
| Farm | 2.91% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 254.55% |
| Construction concentration (Tier 1 capital + allowance) | 65.95% |
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 | 7.29% |
| Interest income on loans | $1.3M |
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 | $38.6M | $170.9M | 43.24% | 8.01% | 1.14% |
| Q4 2023 | $42.3M | $187.4M | 38.74% | 7.58% | 1.10% |
| Q1 2024 | $49.2M | $186.1M | 42.04% | 7.17% | 1.01% |
| Q2 2024 | $49.1M | $193.4M | 42.82% | 7.01% | 0.83% |
| Q3 2024 | $51.0M | $194.0M | 37.30% | 6.96% | 0.91% |
| Q4 2024 | $47.8M | $214.0M | 30.63% | 6.65% | 1.88% |
| Q1 2025 | $64.5M | $209.6M | 47.66% | 4.72% | 1.91% |
| Q2 2025 | $64.0M | $216.0M | 50.90% | 4.58% | 2.19% |
| Q3 2025 | $64.6M | $197.7M | 50.20% | 4.94% | 2.10% |
| Q4 2025 | $65.4M | $198.1M | 50.86% | 4.44% | 2.18% |
| Q1 2026 | $66.1M | $175.3M | 51.70% | 3.89% | 2.84% |
| Q2 2026 | $71.6M | $189.7M | 55.80% | 3.54% | 2.77% |
First Bank of Coastal Georgia loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock First Bank of Coastal Georgia, 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 Bank of Coastal Georgia profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15580) · FFIEC NIC profile (RSSD 823638)