First Southern 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.
The standout move of Q2 2026 was in Construction concentration (Tier 1 capital + allowance): 9.75 percentage points higher than in Q1 2026, at 83.71%. First Southern Bank ranks 75th of 122 Georgia banks on loan-to-deposit ratio, in the lower half at 72.38% (Q2 2026). First Southern Bank reported 72.38% on loan-to-deposit ratio for Q2 2026, 8.46 points below the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $226.5M |
| Net loans and leases | $224.5M |
| Loans held for sale | $0 |
| Loans to total assets | 65.23% |
| Loan-to-deposit ratio | 72.38% |
| Net loans to equity capital | 6.87% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 37.18% |
| Multifamily (5+ residential) | 1.56% |
| Commercial and industrial | 10.36% |
| Consumer | 1.47% |
| Credit cards | 0.08% |
| Farm | 4.73% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 128.24% |
| Construction concentration (Tier 1 capital + allowance) | 83.71% |
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 | — |
| Interest income on loans | $4.0M |
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 | $184.9M | $287.4M | 41.78% | 12.45% | 1.97% |
| Q4 2023 | $194.3M | $280.8M | 40.02% | 13.70% | 1.94% |
| Q1 2024 | $190.4M | $290.9M | 40.03% | 13.99% | 2.07% |
| Q2 2024 | $193.3M | $285.9M | 39.40% | 14.12% | 1.99% |
| Q3 2024 | $202.4M | $279.7M | 37.62% | 13.93% | 1.76% |
| Q4 2024 | $204.3M | $285.6M | 37.54% | 13.93% | 1.66% |
| Q1 2025 | $210.0M | $299.5M | 39.88% | 13.48% | 1.61% |
| Q2 2025 | $216.9M | $300.3M | 38.26% | 12.28% | 2.01% |
| Q3 2025 | $224.3M | $292.3M | 37.64% | 11.36% | 1.52% |
| Q4 2025 | $231.4M | $288.5M | 37.94% | 11.16% | 1.68% |
| Q1 2026 | $221.6M | $301.6M | 37.25% | 11.55% | 1.65% |
| Q2 2026 | $226.5M | $312.9M | 37.18% | 10.36% | 1.47% |
First Southern Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock First Southern 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 Southern Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10055) · FFIEC NIC profile (RSSD 631039)