First State Bank of Randolph County: 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.
Net loans to equity capital climbed 4.07 percentage points in Q2 2026, from 20.94% to 25.01%. It was the largest change from Q1 2026 among the key lines here. First State Bank of Randolph County has the 5th lowest loan-to-deposit ratio of the 122 banks headquartered in Georgia, at 36.30% as of Q2 2026. The median for banks in the < $100M asset tier is 67.62% on loan-to-deposit ratio. First State Bank of Randolph County sits 31.33 points lower, at 36.30% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $30.6M |
| Net loans and leases | $30.3M |
| Loans held for sale | $0 |
| Loans to total assets | 35.27% |
| Loan-to-deposit ratio | 36.30% |
| Net loans to equity capital | 25.01% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 24.92% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 18.88% |
| Consumer | 11.80% |
| Credit cards | 0.00% |
| Farm | 18.09% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 1.59% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 4.96% |
| Construction concentration (Tier 1 capital + allowance) | 0.00% |
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 | $578K |
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 | $32.5M | $84.9M | 19.15% | 24.83% | 12.18% |
| Q4 2023 | $31.4M | $89.2M | 20.25% | 26.35% | 12.01% |
| Q1 2024 | $32.4M | $89.6M | 19.27% | 24.87% | 11.67% |
| Q2 2024 | $32.8M | $88.1M | 19.25% | 23.23% | 12.01% |
| Q3 2024 | $32.3M | $85.4M | 18.82% | 22.64% | 12.37% |
| Q4 2024 | $30.6M | $89.0M | 19.29% | 23.28% | 12.97% |
| Q1 2025 | $31.6M | $87.4M | 19.76% | 21.29% | 12.73% |
| Q2 2025 | $29.5M | $85.4M | 18.25% | 20.58% | 12.74% |
| Q3 2025 | $30.1M | $82.2M | 21.25% | 20.82% | 12.34% |
| Q4 2025 | $28.5M | $83.8M | 22.55% | 20.02% | 12.81% |
| Q1 2026 | $28.3M | $86.3M | 27.65% | 18.63% | 12.52% |
| Q2 2026 | $30.6M | $84.4M | 24.92% | 18.88% | 11.80% |
First State Bank of Randolph County loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock First State Bank of Randolph County, 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 Randolph County profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 2157) · FFIEC NIC profile (RSSD 140634)