First National Bank of Decatur 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): 7.87 percentage points lower than in Q1 2026, at 178.60%. Within Georgia, First National Bank of Decatur County is 57th of 122 on loan-to-deposit ratio, 80.98% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio; First National Bank of Decatur County reported 80.98% for Q2 2026, nearly level with it.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $267.9M |
| Net loans and leases | $265.4M |
| Loans held for sale | $0 |
| Loans to total assets | 74.51% |
| Loan-to-deposit ratio | 80.98% |
| Net loans to equity capital | 11.69% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 27.39% |
| Multifamily (5+ residential) | 2.00% |
| Commercial and industrial | 6.33% |
| Consumer | 2.62% |
| Credit cards | 0.00% |
| Farm | 3.60% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 10.72% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 178.60% |
| Construction concentration (Tier 1 capital + allowance) | 81.18% |
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 | 6.96% |
| Interest income on loans | $4.6M |
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 | $202.2M | $282.6M | 28.87% | 11.66% | 2.56% |
| Q4 2023 | $198.5M | $285.0M | 30.79% | 10.49% | 2.21% |
| Q1 2024 | $202.5M | $286.3M | 28.05% | 9.79% | 1.96% |
| Q2 2024 | $207.9M | $283.3M | 28.41% | 6.66% | 1.92% |
| Q3 2024 | $215.9M | $299.6M | 26.10% | 6.22% | 2.39% |
| Q4 2024 | $223.8M | $310.6M | 26.02% | 6.05% | 3.00% |
| Q1 2025 | $229.2M | $293.4M | 26.66% | 6.25% | 3.17% |
| Q2 2025 | $239.8M | $318.6M | 27.65% | 6.03% | 2.64% |
| Q3 2025 | $246.2M | $315.4M | 25.90% | 6.57% | 2.89% |
| Q4 2025 | $249.5M | $345.2M | 27.18% | 6.54% | 2.80% |
| Q1 2026 | $258.1M | $323.2M | 27.60% | 6.55% | 2.68% |
| Q2 2026 | $267.9M | $330.8M | 27.39% | 6.33% | 2.62% |
First National Bank of Decatur 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 Decatur 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 Decatur County profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57694) · FFIEC NIC profile (RSSD 3232370)