The First National Bank of Waynesboro: 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.
Loan-to-deposit ratio climbed 3.48 percentage points in Q2 2026, from 80.27% to 83.75%. It was the largest change from Q1 2026 among the key lines here. Within Georgia, The First National Bank of Waynesboro is 45th of 122 on loan-to-deposit ratio, 83.75% as of Q2 2026, above the middle of the field. The First National Bank of Waynesboro reported 83.75% on loan-to-deposit ratio for Q2 2026, 2.92 points above the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $153.0M |
| Net loans and leases | $151.0M |
| Loans held for sale | $0 |
| Loans to total assets | 66.79% |
| Loan-to-deposit ratio | 83.75% |
| Net loans to equity capital | 3.41% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 7.63% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 8.44% |
| Consumer | 16.40% |
| Credit cards | 0.23% |
| Farm | 3.65% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 13.98% |
| Construction concentration (Tier 1 capital + allowance) | 10.63% |
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 | 7.64% |
| Interest income on loans | $2.9M |
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 | $122.6M | $163.8M | 10.58% | 8.23% | 16.27% |
| Q4 2023 | $123.7M | $172.3M | 10.10% | 8.56% | 16.67% |
| Q1 2024 | $127.6M | $174.6M | 9.76% | 9.92% | 15.96% |
| Q2 2024 | $131.5M | $170.6M | 9.97% | 8.55% | 15.71% |
| Q3 2024 | $137.4M | $169.2M | 10.12% | 9.22% | 15.30% |
| Q4 2024 | $136.2M | $181.4M | 9.89% | 8.57% | 16.10% |
| Q1 2025 | $135.6M | $184.7M | 10.04% | 8.59% | 16.35% |
| Q2 2025 | $141.5M | $180.8M | 9.19% | 8.65% | 16.68% |
| Q3 2025 | $146.2M | $179.9M | 7.78% | 11.14% | 17.09% |
| Q4 2025 | $145.6M | $183.0M | 7.84% | 9.68% | 17.21% |
| Q1 2026 | $146.1M | $182.0M | 7.85% | 8.64% | 16.99% |
| Q2 2026 | $153.0M | $182.7M | 7.63% | 8.44% | 16.40% |
The First National Bank of Waynesboro loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The First National Bank of Waynesboro, 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 The First National Bank of Waynesboro profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 2160) · FFIEC NIC profile (RSSD 31134)