First National Bank of Griffin: 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 5.72 percentage points in Q2 2026, from 202.13% to 196.42%. It was the largest change from Q1 2026 among the key lines here. Within Georgia, First National Bank of Griffin is 100th of 122 on loan-to-deposit ratio, 57.36% as of Q2 2026, below 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 Griffin sits 23.48 points lower, at 57.36% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $184.3M |
| Net loans and leases | $181.9M |
| Loans held for sale | $0 |
| Loans to total assets | 50.04% |
| Loan-to-deposit ratio | 57.36% |
| Net loans to equity capital | 5.31% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 41.36% |
| Multifamily (5+ residential) | 9.45% |
| Commercial and industrial | 13.85% |
| Consumer | 2.32% |
| Credit cards | 0.20% |
| Farm | 0.36% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.14% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 196.42% |
| Construction concentration (Tier 1 capital + allowance) | 46.99% |
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 | 6.78% |
| Interest income on loans | $3.1M |
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 | $113.0M | $335.5M | 37.64% | 5.14% | 4.05% |
| Q4 2023 | $113.7M | $337.1M | 38.93% | 7.30% | 4.09% |
| Q1 2024 | $119.4M | $329.1M | 38.08% | 10.82% | 4.01% |
| Q2 2024 | $131.9M | $323.6M | 38.10% | 12.76% | 3.87% |
| Q3 2024 | $135.2M | $312.9M | 36.53% | 13.46% | 4.07% |
| Q4 2024 | $145.6M | $317.3M | 35.80% | 13.55% | 3.41% |
| Q1 2025 | $145.0M | $326.2M | 38.51% | 12.54% | 3.31% |
| Q2 2025 | $157.1M | $323.1M | 39.14% | 13.89% | 3.26% |
| Q3 2025 | $170.7M | $322.3M | 40.12% | 12.88% | 2.93% |
| Q4 2025 | $180.0M | $317.4M | 42.22% | 12.81% | 2.67% |
| Q1 2026 | $184.3M | $328.1M | 41.70% | 14.55% | 2.51% |
| Q2 2026 | $184.3M | $321.3M | 41.36% | 13.85% | 2.32% |
First National Bank of Griffin loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock First National Bank of Griffin, 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 Griffin profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 169) · FFIEC NIC profile (RSSD 563233)