Loyal Trust 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 Construction concentration (Tier 1 capital + allowance): 14.05 percentage points lower than in Q1 2026, at 12.73%. Loyal Trust Bank ranks 14th of 122 Georgia banks on loan-to-deposit ratio, in the upper half at 95.83% (Q2 2026). Loyal Trust Bank reported 95.83% on loan-to-deposit ratio for Q2 2026, 14.99 points above the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $168.1M |
| Net loans and leases | $166.2M |
| Loans held for sale | $623K |
| Loans to total assets | 71.43% |
| Loan-to-deposit ratio | 95.83% |
| Net loans to equity capital | 6.55% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 58.55% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 5.34% |
| Consumer | 0.46% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 194.53% |
| Construction concentration (Tier 1 capital + allowance) | 12.73% |
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 | 7.31% |
| Interest income on loans | $3.0M |
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 | $123.4M | $116.3M | 65.60% | 3.87% | 0.02% |
| Q4 2023 | $119.2M | $134.8M | 64.82% | 2.52% | 0.02% |
| Q1 2024 | $121.7M | $136.4M | 63.53% | 2.85% | 0.05% |
| Q2 2024 | $123.8M | $134.6M | 62.01% | 2.54% | 0.02% |
| Q3 2024 | $126.9M | $135.9M | 61.52% | 2.60% | 1.18% |
| Q4 2024 | $139.3M | $138.3M | 61.33% | 2.20% | 1.18% |
| Q1 2025 | $143.8M | $155.0M | 59.75% | 2.45% | 1.03% |
| Q2 2025 | $150.9M | $159.5M | 57.87% | 2.84% | 0.92% |
| Q3 2025 | $155.0M | $176.7M | 55.45% | 3.62% | 0.82% |
| Q4 2025 | $160.8M | $186.0M | 53.59% | 6.08% | 0.60% |
| Q1 2026 | $161.4M | $174.0M | 53.42% | 6.14% | 0.52% |
| Q2 2026 | $168.1M | $175.4M | 58.55% | 5.34% | 0.46% |
Loyal Trust Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Loyal Trust 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 Loyal Trust Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 59182) · FFIEC NIC profile (RSSD 5427684)