FNB South: 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 CRE concentration (Tier 1 capital + allowance): 1.29 percentage points higher than in Q1 2026, at 83.59%. FNB South ranks 53rd of 122 Georgia banks on loan-to-deposit ratio, in the upper half at 81.50% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.55% on loan-to-deposit ratio; FNB South reported 81.50% for Q2 2026, nearly level with it.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $497.4M |
| Net loans and leases | $481.7M |
| Loans held for sale | $0 |
| Loans to total assets | 67.69% |
| Loan-to-deposit ratio | 81.50% |
| Net loans to equity capital | 4.13% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 42.14% |
| Multifamily (5+ residential) | 3.17% |
| Commercial and industrial | 10.62% |
| Consumer | 5.31% |
| Credit cards | 0.18% |
| Farm | 12.64% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.10% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 83.59% |
| Construction concentration (Tier 1 capital + allowance) | 20.05% |
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 | 8.23% |
| Interest income on loans | $10.0M |
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 | $389.4M | $479.5M | 39.49% | 8.90% | 7.87% |
| Q4 2023 | $389.1M | $486.4M | 38.66% | 8.53% | 8.15% |
| Q1 2024 | $414.8M | $503.9M | 40.29% | 9.03% | 7.66% |
| Q2 2024 | $422.7M | $504.7M | 42.07% | 8.46% | 7.46% |
| Q3 2024 | $441.7M | $527.4M | 42.05% | 8.69% | 7.06% |
| Q4 2024 | $427.4M | $582.9M | 43.70% | 8.99% | 6.97% |
| Q1 2025 | $431.5M | $593.4M | 44.17% | 9.29% | 6.70% |
| Q2 2025 | $443.9M | $577.5M | 45.18% | 9.40% | 6.63% |
| Q3 2025 | $457.0M | $588.3M | 43.45% | 9.70% | 6.32% |
| Q4 2025 | $465.8M | $596.5M | 43.55% | 9.75% | 6.01% |
| Q1 2026 | $478.9M | $596.1M | 42.68% | 10.38% | 5.60% |
| Q2 2026 | $497.4M | $610.4M | 42.14% | 10.62% | 5.31% |
FNB South loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock FNB South, 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 FNB South profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17011) · FFIEC NIC profile (RSSD 12030)