First Federal Savings & Loan Association of Valdosta: 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 5.82 percentage points in Q2 2026, from 68.72% to 62.90%. It was the largest change from Q1 2026 among the key lines here. Among 122 Georgia banks, First Federal Savings & Loan Association of Valdosta sits 2nd from the top on loan-to-deposit ratio, 117.16% as of Q2 2026. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. First Federal Savings & Loan Association of Valdosta sits 36.32 points higher, at 117.16% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $244.3M |
| Net loans and leases | $243.3M |
| Loans held for sale | $0 |
| Loans to total assets | 87.73% |
| Loan-to-deposit ratio | 117.16% |
| Net loans to equity capital | 7.19% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 6.01% |
| Multifamily (5+ residential) | 0.53% |
| Commercial and industrial | 0.00% |
| Consumer | 3.02% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 83.95% |
| Construction concentration (Tier 1 capital + allowance) | 62.90% |
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 | 6.65% |
| Interest income on loans | $4.0M |
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 | $186.5M | $159.4M | 4.99% | 0.00% | 3.65% |
| Q4 2023 | $191.2M | $169.7M | 5.51% | 0.00% | 3.49% |
| Q1 2024 | $196.0M | $166.5M | 5.80% | 0.00% | 3.52% |
| Q2 2024 | $203.2M | $175.2M | 6.34% | 0.00% | 3.58% |
| Q3 2024 | $207.9M | $178.4M | 6.17% | 0.00% | 3.43% |
| Q4 2024 | $210.3M | $189.2M | 6.06% | 0.00% | 3.57% |
| Q1 2025 | $216.0M | $198.6M | 5.78% | 0.00% | 3.48% |
| Q2 2025 | $221.5M | $193.5M | 5.75% | 0.00% | 3.57% |
| Q3 2025 | $230.7M | $189.7M | 5.90% | 0.00% | 3.36% |
| Q4 2025 | $238.5M | $195.5M | 5.59% | 0.00% | 3.32% |
| Q1 2026 | $240.9M | $207.3M | 5.81% | 0.00% | 3.21% |
| Q2 2026 | $244.3M | $208.5M | 6.01% | 0.00% | 3.02% |
First Federal Savings & Loan Association of Valdosta loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock First Federal Savings & Loan Association of Valdosta, 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 Federal Savings & Loan Association of Valdosta profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 29164) · FFIEC NIC profile (RSSD 828174)