The GEO. D. Warthen 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 CRE concentration (Tier 1 capital + allowance): 7.94 percentage points higher than in Q1 2026, at 50.95%. The GEO. D. Warthen Bank ranks 87th of 122 Georgia banks on loan-to-deposit ratio, in the lower half at 65.79% (Q2 2026). The GEO. D. Warthen Bank reported 65.79% on loan-to-deposit ratio for Q2 2026, 15.05 points below the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $107.2M |
| Net loans and leases | $105.7M |
| Loans held for sale | $0 |
| Loans to total assets | 56.33% |
| Loan-to-deposit ratio | 65.79% |
| Net loans to equity capital | 4.30% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 13.20% |
| Multifamily (5+ residential) | 0.09% |
| Commercial and industrial | 14.29% |
| Consumer | 12.79% |
| Credit cards | 0.00% |
| Farm | 4.72% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 1.57% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 50.95% |
| Construction concentration (Tier 1 capital + allowance) | 22.46% |
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 | $2.0M |
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 | $117.1M | $190.8M | 15.04% | 19.32% | 11.66% |
| Q4 2023 | $116.7M | $194.9M | 14.86% | 19.80% | 11.90% |
| Q1 2024 | $115.6M | $203.8M | 15.32% | 15.59% | 11.82% |
| Q2 2024 | $114.6M | $187.1M | 15.26% | 14.96% | 11.96% |
| Q3 2024 | $109.8M | $186.3M | 13.01% | 16.42% | 12.62% |
| Q4 2024 | $109.7M | $177.6M | 12.40% | 16.45% | 12.86% |
| Q1 2025 | $110.6M | $177.2M | 12.10% | 18.04% | 12.49% |
| Q2 2025 | $113.0M | $174.6M | 12.96% | 16.84% | 12.27% |
| Q3 2025 | $110.3M | $171.5M | 12.07% | 15.98% | 12.50% |
| Q4 2025 | $112.2M | $168.2M | 11.73% | 16.27% | 12.44% |
| Q1 2026 | $106.1M | $179.1M | 12.04% | 14.32% | 13.56% |
| Q2 2026 | $107.2M | $162.9M | 13.20% | 14.29% | 12.79% |
The GEO. D. Warthen Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The GEO. D. Warthen 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 GEO. D. Warthen Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 2154) · FFIEC NIC profile (RSSD 305237)