First National Bank of Coffee County: 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): 19.42 percentage points higher than in Q1 2026, at 225.54%. First National Bank of Coffee County ranks 102nd of 122 Georgia banks on loan-to-deposit ratio, in the lower half at 57.12% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. First National Bank of Coffee County sits 23.71 points lower, at 57.12% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $282.6M |
| Net loans and leases | $278.7M |
| Loans held for sale | $0 |
| Loans to total assets | 51.61% |
| Loan-to-deposit ratio | 57.12% |
| Net loans to equity capital | 5.97% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 47.71% |
| Multifamily (5+ residential) | 5.27% |
| Commercial and industrial | 10.68% |
| Consumer | 1.58% |
| Credit cards | 0.00% |
| Farm | 4.39% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 225.54% |
| Construction concentration (Tier 1 capital + allowance) | 30.36% |
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 | 7.10% |
| Interest income on loans | $4.8M |
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 | $219.8M | $396.3M | 39.09% | 9.46% | 1.88% |
| Q4 2023 | $232.9M | $405.5M | 38.70% | 9.70% | 1.52% |
| Q1 2024 | $244.6M | $418.2M | 42.43% | 9.56% | 1.30% |
| Q2 2024 | $250.4M | $441.3M | 42.38% | 10.38% | 2.08% |
| Q3 2024 | $256.0M | $424.4M | 45.42% | 10.16% | 1.38% |
| Q4 2024 | $255.1M | $458.4M | 46.06% | 11.99% | 1.24% |
| Q1 2025 | $250.4M | $457.0M | 44.53% | 11.72% | 2.14% |
| Q2 2025 | $250.9M | $453.7M | 43.06% | 12.24% | 2.01% |
| Q3 2025 | $243.7M | $442.4M | 42.65% | 11.96% | 1.99% |
| Q4 2025 | $243.4M | $465.4M | 43.26% | 11.98% | 1.79% |
| Q1 2026 | $256.4M | $500.9M | 45.16% | 11.67% | 1.72% |
| Q2 2026 | $282.6M | $494.7M | 47.71% | 10.68% | 1.58% |
First National Bank of Coffee County loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock First National Bank of Coffee County, 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 National Bank of Coffee County profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 33506) · FFIEC NIC profile (RSSD 1892154)