Northeast Georgia 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) climbed 2.90 percentage points in Q2 2026, from 70.20% to 73.11%. It was the largest change from Q1 2026 among the key lines here. Northeast Georgia Bank ranks 94th of 122 Georgia banks on loan-to-deposit ratio, in the lower half at 60.04% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Northeast Georgia Bank sits 20.80 points lower, at 60.04% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $338.0M |
| Net loans and leases | $332.7M |
| Loans held for sale | $0 |
| Loans to total assets | 51.95% |
| Loan-to-deposit ratio | 60.04% |
| Net loans to equity capital | 4.10% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 22.66% |
| Multifamily (5+ residential) | 2.79% |
| Commercial and industrial | 7.84% |
| Consumer | 3.44% |
| Credit cards | 0.00% |
| Farm | 18.49% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 1.70% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 104.30% |
| Construction concentration (Tier 1 capital + allowance) | 73.11% |
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 | 7.33% |
| Interest income on loans | $6.1M |
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 | $283.6M | $526.0M | 19.59% | 10.64% | 2.93% |
| Q4 2023 | $292.6M | $568.8M | 19.83% | 9.91% | 3.07% |
| Q1 2024 | $292.3M | $541.8M | 20.01% | 10.36% | 2.72% |
| Q2 2024 | $298.3M | $538.3M | 19.11% | 10.65% | 2.65% |
| Q3 2024 | $296.7M | $535.4M | 18.54% | 10.69% | 2.33% |
| Q4 2024 | $306.3M | $556.1M | 18.04% | 10.29% | 4.00% |
| Q1 2025 | $309.5M | $564.7M | 17.67% | 10.30% | 4.54% |
| Q2 2025 | $318.2M | $552.4M | 17.13% | 9.85% | 4.43% |
| Q3 2025 | $326.1M | $549.0M | 16.84% | 9.22% | 4.46% |
| Q4 2025 | $324.0M | $557.2M | 21.51% | 8.59% | 3.74% |
| Q1 2026 | $328.3M | $566.6M | 22.41% | 8.25% | 3.64% |
| Q2 2026 | $338.0M | $562.9M | 22.66% | 7.84% | 3.44% |
Northeast Georgia Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Northeast Georgia 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 Northeast Georgia Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15771) · FFIEC NIC profile (RSSD 888833)