First National Community Bank: 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) climbed 9.73 percentage points in Q2 2026, from 75.41% to 85.14%. It was the largest change from Q1 2026 among the key lines here. First National Community Bank ranks 50th of 122 Georgia banks on loan-to-deposit ratio, in the upper half at 82.67% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio; First National Community Bank reported 82.67% for Q2 2026, nearly level with it.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $540.0M |
| Net loans and leases | $532.9M |
| Loans held for sale | $1.3M |
| Loans to total assets | 71.55% |
| Loan-to-deposit ratio | 82.67% |
| Net loans to equity capital | 5.47% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 48.18% |
| Multifamily (5+ residential) | 3.34% |
| Commercial and industrial | 8.79% |
| Consumer | 0.71% |
| Credit cards | 0.00% |
| Farm | 0.35% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 209.45% |
| Construction concentration (Tier 1 capital + allowance) | 85.14% |
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 | 7.69% |
| Interest income on loans | $10.2M |
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 | $453.2M | $507.3M | 46.04% | 10.17% | 1.61% |
| Q4 2023 | $457.4M | $542.7M | 44.96% | 10.45% | 1.57% |
| Q1 2024 | $466.9M | $530.1M | 47.53% | 10.84% | 1.48% |
| Q2 2024 | $478.8M | $565.4M | 48.69% | 8.93% | 1.06% |
| Q3 2024 | $486.3M | $538.4M | 49.03% | 8.67% | 1.23% |
| Q4 2024 | $499.0M | $560.6M | 49.78% | 8.86% | 1.06% |
| Q1 2025 | $512.1M | $585.5M | 49.28% | 8.19% | 0.93% |
| Q2 2025 | $527.8M | $605.7M | 49.57% | 8.35% | 0.78% |
| Q3 2025 | $511.9M | $615.6M | 50.31% | 7.09% | 0.80% |
| Q4 2025 | $496.1M | $604.8M | 49.66% | 7.14% | 0.88% |
| Q1 2026 | $516.2M | $619.0M | 49.50% | 8.25% | 0.79% |
| Q2 2026 | $540.0M | $653.2M | 48.18% | 8.79% | 0.71% |
First National Community Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock First National Community Bank, 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 Community Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 22092) · FFIEC NIC profile (RSSD 450632)