First City Bank: Loan Portfolio
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Data as of · Call Report Schedule RC-C How we update
First City Bank reported all 18 line items on this page on its Q3 2026 filing. Total loans and leases was $16.0M in Q3 2026. That is 27.4% of its total assets.
Loan-to-deposit ratio dropped 625.81 percentage points in Q3 2026, from 668.81% to 43.00%. It was the largest change from Q2 2026 among the key lines here. First City Bank has the 10th lowest loan-to-deposit ratio of the 122 banks headquartered in Georgia, at 43.00% as of Q3 2026. The median for banks in the < $100M asset tier is 68.95% on loan-to-deposit ratio. First City Bank sits 25.94 points lower, at 43.00% (Q3 2026).
Loan totals
| Line item | Q3 2026 |
|---|---|
| Total loans and leases | $16.0M |
| Net loans and leases | $15.8M |
| Loans held for sale | $0 |
| Loans to total assets | 27.41% |
| Loan-to-deposit ratio | 43.00% |
| Net loans to equity capital | 0.76× |
Source: Call Report Schedule RC-C, Part I: Total loans and leases (item 12, RCON2122).
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Portfolio mix (share of total loans)
Farm moved most in this table, down 11.19 points: 20.06% in Q2 2026, 8.87% in Q3 2026.
| Line item | Q3 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 53.53% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 0.04% |
| Consumer | 0.00% |
| Credit cards | 0.00% |
| Farm | 8.87% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
CRE concentration (Tier 1 capital + allowance) changed the most here, up 6.10 points to 17.81% in Q3 2026 from 11.71% in Q2 2026.
| Line item | Q3 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 17.81% |
| Construction concentration (Tier 1 capital + allowance) | 4.07% |
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 | 7.30% |
| Interest income on loans | $175K |
Loan Portfolio trend
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q2 2026 | $7.3M | $1.1M | 56.11% | 0.19% | 0.00% |
| Q3 2026 | $16.0M | $37.2M | 53.53% | 0.04% | 0.00% |
First City Bank loan portfolio, quarter by quarter
Loan Portfolio since Q3 2021 · peer percentiles on every line item · watchlist alerts
Unlock this bank, freeSource: Call Report Schedule RC-C, Q3 2026. Open the filed call report for Q3 2026 on the FFIEC CDR. How this page is built. See the full First City Bank profile or its peer group comparison.
Regulator records: FDIC BankFind (cert 16281) · FFIEC NIC profile (RSSD 6125996)