Georgia Banking Company: 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.
Loan-to-deposit ratio dropped 11.57 percentage points in Q2 2026, from 101.57% to 90.00%. It was the largest change from Q1 2026 among the key lines here. Georgia Banking Company ranks 23rd of 122 Georgia banks on loan-to-deposit ratio, in the upper half at 90.00% (Q2 2026). At 90.00%, Georgia Banking Company's loan-to-deposit ratio is close to the 88.20% median for banks in the $1B-10B asset tier (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $2.59B |
| Net loans and leases | $2.56B |
| Loans held for sale | $500.6M |
| Loans to total assets | 79.47% |
| Loan-to-deposit ratio | 90.00% |
| Net loans to equity capital | 8.07% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 34.21% |
| Multifamily (5+ residential) | 2.71% |
| Commercial and industrial | 14.89% |
| Consumer | 2.11% |
| Credit cards | 0.00% |
| Farm | 0.16% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 291.59% |
| Construction concentration (Tier 1 capital + allowance) | 81.79% |
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 | 6.94% |
| Interest income on loans | $41.1M |
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 | $1.29B | $1.37B | 29.23% | 18.83% | 2.26% |
| Q4 2023 | $1.32B | $1.49B | 29.92% | 18.55% | 2.18% |
| Q1 2024 | $1.46B | $1.42B | 28.16% | 18.82% | 2.41% |
| Q2 2024 | $1.52B | $1.54B | 28.58% | 16.31% | 2.39% |
| Q3 2024 | $1.77B | $1.68B | 26.12% | 14.96% | 2.02% |
| Q4 2024 | $1.81B | $1.87B | 26.43% | 13.91% | 1.91% |
| Q1 2025 | $2.04B | $2.03B | 32.14% | 16.78% | 2.22% |
| Q2 2025 | $2.24B | $2.09B | 30.53% | 15.94% | 2.16% |
| Q3 2025 | $2.24B | $2.19B | 31.45% | 15.00% | 2.03% |
| Q4 2025 | $2.23B | $2.37B | 30.19% | 14.83% | 1.93% |
| Q1 2026 | $2.28B | $2.24B | 31.90% | 14.50% | 2.52% |
| Q2 2026 | $2.59B | $2.88B | 34.21% | 14.89% | 2.11% |
Georgia Banking Company loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Georgia Banking Company, 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 Georgia Banking Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57071) · FFIEC NIC profile (RSSD 3016347)