First Bank of Pike: 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.
Cre concentration (tier 1 capital + allowance) dropped 13.71 percentage points in Q2 2026, from 144.65% to 130.95%. It was the largest change from Q1 2026 among the key lines here. Within Georgia, First Bank of Pike is 78th of 122 on loan-to-deposit ratio, 70.35% as of Q2 2026, below the middle of the field. First Bank of Pike reported 70.35% on loan-to-deposit ratio for Q2 2026, 2.72 points above the 67.62% median for banks in the < $100M asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $54.8M |
| Net loans and leases | $53.9M |
| Loans held for sale | $0 |
| Loans to total assets | 62.58% |
| Loan-to-deposit ratio | 70.35% |
| Net loans to equity capital | 6.37% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 28.22% |
| Multifamily (5+ residential) | 0.39% |
| Commercial and industrial | 7.32% |
| Consumer | 12.17% |
| Credit cards | 0.00% |
| Farm | 0.84% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.03% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 130.95% |
| Construction concentration (Tier 1 capital + allowance) | 47.32% |
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 | — |
| Interest income on loans | $1.2M |
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 | $47.5M | $65.9M | 23.81% | 9.43% | 16.34% |
| Q4 2023 | $49.7M | $64.3M | 22.94% | 8.29% | 15.01% |
| Q1 2024 | $48.0M | $67.8M | 22.78% | 8.41% | 14.98% |
| Q2 2024 | $50.2M | $67.3M | 20.75% | 7.62% | 14.02% |
| Q3 2024 | $50.4M | $67.3M | 20.10% | 8.80% | 13.71% |
| Q4 2024 | $48.1M | $66.3M | 20.50% | 9.56% | 13.70% |
| Q1 2025 | $52.8M | $70.9M | 25.83% | 8.18% | 12.80% |
| Q2 2025 | $53.5M | $75.0M | 26.69% | 7.58% | 12.81% |
| Q3 2025 | $53.7M | $77.4M | 27.68% | 6.00% | 12.83% |
| Q4 2025 | $54.6M | $76.8M | 27.99% | 5.25% | 12.94% |
| Q1 2026 | $55.0M | $80.6M | 27.09% | 7.15% | 12.96% |
| Q2 2026 | $54.8M | $77.8M | 28.22% | 7.32% | 12.17% |
First Bank of Pike loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock First Bank of Pike, 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 Pike profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9070) · FFIEC NIC profile (RSSD 760939)