Legacy State 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) climbed 17.49 percentage points in Q2 2026, from 257.03% to 274.53%. It was the largest change from Q1 2026 among the key lines here. Within Georgia, Legacy State Bank is 37th of 122 on loan-to-deposit ratio, 86.22% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Legacy State Bank sits 5.38 points higher, at 86.22% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $155.4M |
| Net loans and leases | $153.6M |
| Loans held for sale | $0 |
| Loans to total assets | 75.50% |
| Loan-to-deposit ratio | 86.22% |
| Net loans to equity capital | 6.61% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 58.83% |
| Multifamily (5+ residential) | 1.21% |
| Commercial and industrial | 3.67% |
| Consumer | 2.03% |
| Credit cards | 0.00% |
| Farm | 1.01% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 274.53% |
| Construction concentration (Tier 1 capital + allowance) | 74.78% |
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 | 6.82% |
| Interest income on loans | $2.6M |
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 | $101.7M | $130.6M | 58.93% | 2.60% | 0.74% |
| Q4 2023 | $108.8M | $134.6M | 55.71% | 2.26% | 1.30% |
| Q1 2024 | $110.4M | $146.2M | 52.85% | 2.56% | 2.56% |
| Q2 2024 | $121.1M | $148.5M | 52.17% | 2.33% | 2.25% |
| Q3 2024 | $116.8M | $147.0M | 52.63% | 2.33% | 2.49% |
| Q4 2024 | $119.2M | $146.9M | 55.53% | 2.42% | 2.64% |
| Q1 2025 | $124.4M | $155.4M | 55.20% | 2.24% | 2.50% |
| Q2 2025 | $129.8M | $155.8M | 53.84% | 2.33% | 2.47% |
| Q3 2025 | $132.9M | $160.7M | 55.09% | 2.31% | 2.53% |
| Q4 2025 | $134.2M | $164.5M | 56.10% | 1.77% | 2.69% |
| Q1 2026 | $146.5M | $178.8M | 58.87% | 2.78% | 2.40% |
| Q2 2026 | $155.4M | $180.2M | 58.83% | 3.67% | 2.03% |
Legacy State Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Legacy State 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 Legacy State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57882) · FFIEC NIC profile (RSSD 3340903)