Great Oaks 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.
Construction concentration (tier 1 capital + allowance) dropped 20.96 percentage points in Q2 2026, from 78.56% to 57.60%. It was the largest change from Q1 2026 among the key lines here. Great Oaks Bank ranks 70th of 122 Georgia banks on loan-to-deposit ratio, in the lower half at 74.33% (Q2 2026). Great Oaks Bank reported 74.33% on loan-to-deposit ratio for Q2 2026, 6.51 points below the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $278.3M |
| Net loans and leases | $274.2M |
| Loans held for sale | $0 |
| Loans to total assets | 65.94% |
| Loan-to-deposit ratio | 74.33% |
| Net loans to equity capital | 6.70% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 45.34% |
| Multifamily (5+ residential) | 2.14% |
| Commercial and industrial | 8.94% |
| Consumer | 4.09% |
| Credit cards | 0.00% |
| Farm | 3.45% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 247.24% |
| Construction concentration (Tier 1 capital + allowance) | 57.60% |
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 | 6.99% |
| Interest income on loans | $4.9M |
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 | $199.5M | $291.7M | 42.31% | 13.65% | 3.79% |
| Q4 2023 | $211.8M | $321.3M | 42.29% | 13.41% | 3.88% |
| Q1 2024 | $224.8M | $345.5M | 40.06% | 11.77% | 4.06% |
| Q2 2024 | $247.4M | $347.6M | 38.55% | 12.48% | 3.41% |
| Q3 2024 | $250.3M | $347.1M | 38.50% | 11.56% | 3.64% |
| Q4 2024 | $250.7M | $341.5M | 38.33% | 9.67% | 3.55% |
| Q1 2025 | $272.1M | $344.7M | 41.94% | 8.28% | 3.37% |
| Q2 2025 | $269.1M | $358.1M | 41.61% | 8.99% | 3.62% |
| Q3 2025 | $264.8M | $368.9M | 42.60% | 8.01% | 3.83% |
| Q4 2025 | $276.3M | $354.6M | 43.09% | 8.10% | 3.90% |
| Q1 2026 | $286.3M | $377.8M | 42.45% | 8.87% | 3.88% |
| Q2 2026 | $278.3M | $374.4M | 45.34% | 8.94% | 4.09% |
Great Oaks Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Great Oaks 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 Great Oaks Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16780) · FFIEC NIC profile (RSSD 364131)