The Four County 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.
Cre concentration (tier 1 capital + allowance) dropped 5.94 percentage points in Q2 2026, from 74.73% to 68.80%. It was the largest change from Q1 2026 among the key lines here. Within Georgia, The Four County Bank is 63rd of 122 on loan-to-deposit ratio, 79.30% as of Q2 2026, below the middle of the field. The Four County Bank reported 79.30% on loan-to-deposit ratio for Q2 2026, 11.67 points above the 67.62% median for banks in the < $100M asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $59.8M |
| Net loans and leases | $58.5M |
| Loans held for sale | $0 |
| Loans to total assets | 68.65% |
| Loan-to-deposit ratio | 79.30% |
| Net loans to equity capital | 5.19% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 11.22% |
| Multifamily (5+ residential) | 0.62% |
| Commercial and industrial | 13.77% |
| Consumer | 21.59% |
| Credit cards | 0.00% |
| Farm | 5.88% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.30% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 68.80% |
| Construction concentration (Tier 1 capital + allowance) | 20.62% |
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 | 8.60% |
| Interest income on loans | $1.3M |
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 | $61.9M | $79.3M | 15.81% | 15.33% | 16.72% |
| Q4 2023 | $62.5M | $76.5M | 15.57% | 15.06% | 15.44% |
| Q1 2024 | $62.1M | $76.1M | 15.57% | 15.47% | 16.02% |
| Q2 2024 | $63.4M | $76.4M | 15.05% | 15.22% | 16.53% |
| Q3 2024 | $62.9M | $76.6M | 14.93% | 16.20% | 17.65% |
| Q4 2024 | $63.6M | $78.9M | 14.52% | 15.44% | 17.93% |
| Q1 2025 | $61.6M | $79.1M | 12.75% | 16.12% | 19.12% |
| Q2 2025 | $60.6M | $77.8M | 12.90% | 16.04% | 20.22% |
| Q3 2025 | $60.4M | $78.9M | 12.63% | 15.89% | 20.81% |
| Q4 2025 | $61.4M | $79.5M | 12.12% | 15.17% | 20.53% |
| Q1 2026 | $60.8M | $78.3M | 10.87% | 15.22% | 20.34% |
| Q2 2026 | $59.8M | $75.4M | 11.22% | 13.77% | 21.59% |
The Four County Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The Four County 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 The Four County Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15904) · FFIEC NIC profile (RSSD 7634)