First State Bank of Blakely: 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) dropped 4.48 percentage points in Q2 2026, from 12.85% to 8.37%. It was the largest change from Q1 2026 among the key lines here. Within Georgia, First State Bank of Blakely is 41st of 122 on loan-to-deposit ratio, 85.26% 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 State Bank of Blakely sits 4.42 points higher, at 85.26% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $454.7M |
| Net loans and leases | $448.0M |
| Loans held for sale | $0 |
| Loans to total assets | 68.05% |
| Loan-to-deposit ratio | 85.26% |
| Net loans to equity capital | 3.44% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 20.72% |
| Multifamily (5+ residential) | 0.29% |
| Commercial and industrial | 9.46% |
| Consumer | 2.08% |
| Credit cards | 0.19% |
| Farm | 23.15% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 1.76% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 37.07% |
| Construction concentration (Tier 1 capital + allowance) | 8.37% |
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 | 8.05% |
| Interest income on loans | $9.0M |
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 | $412.1M | $473.8M | 16.22% | 10.00% | 2.77% |
| Q4 2023 | $395.5M | $469.3M | 18.76% | 11.29% | 2.88% |
| Q1 2024 | $420.7M | $497.2M | 18.53% | 10.25% | 2.65% |
| Q2 2024 | $442.9M | $500.4M | 17.85% | 9.87% | 2.46% |
| Q3 2024 | $451.9M | $519.6M | 18.25% | 9.62% | 2.42% |
| Q4 2024 | $423.4M | $531.6M | 18.49% | 11.16% | 2.62% |
| Q1 2025 | $442.4M | $533.2M | 17.65% | 10.63% | 2.42% |
| Q2 2025 | $459.4M | $519.3M | 18.18% | 9.52% | 2.31% |
| Q3 2025 | $468.8M | $520.7M | 18.80% | 9.22% | 2.23% |
| Q4 2025 | $437.4M | $528.8M | 20.69% | 9.75% | 2.35% |
| Q1 2026 | $445.3M | $531.6M | 19.75% | 9.54% | 2.21% |
| Q2 2026 | $454.7M | $533.3M | 20.72% | 9.46% | 2.08% |
First State Bank of Blakely loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock First State Bank of Blakely, 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 State Bank of Blakely profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15496) · FFIEC NIC profile (RSSD 5135)