Oconee 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 24.13 percentage points in Q2 2026, from 223.21% to 247.34%. It was the largest change from Q1 2026 among the key lines here. Oconee State Bank ranks 46th of 122 Georgia banks on loan-to-deposit ratio, in the upper half at 82.73% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.55% on loan-to-deposit ratio; Oconee State Bank reported 82.73% for Q2 2026, nearly level with it.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $544.6M |
| Net loans and leases | $537.3M |
| Loans held for sale | $6.0M |
| Loans to total assets | 73.19% |
| Loan-to-deposit ratio | 82.73% |
| Net loans to equity capital | 7.80% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 58.41% |
| Multifamily (5+ residential) | 5.37% |
| Commercial and industrial | 4.91% |
| Consumer | 0.49% |
| Credit cards | 0.00% |
| Farm | 0.51% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 247.34% |
| Construction concentration (Tier 1 capital + allowance) | 42.84% |
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 | 6.65% |
| Interest income on loans | $8.7M |
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 | $339.2M | $509.9M | 54.06% | 7.01% | 0.72% |
| Q4 2023 | $347.5M | $537.4M | 55.98% | 6.58% | 0.75% |
| Q1 2024 | $354.4M | $532.7M | 54.54% | 5.82% | 0.73% |
| Q2 2024 | $376.0M | $537.6M | 54.87% | 6.15% | 0.71% |
| Q3 2024 | $385.2M | $548.7M | 57.39% | 4.84% | 0.68% |
| Q4 2024 | $411.7M | $570.4M | 59.16% | 5.59% | 0.65% |
| Q1 2025 | $424.7M | $576.7M | 57.53% | 6.07% | 0.62% |
| Q2 2025 | $468.5M | $589.4M | 55.46% | 6.23% | 0.52% |
| Q3 2025 | $472.7M | $607.9M | 56.31% | 5.68% | 0.49% |
| Q4 2025 | $483.5M | $649.6M | 55.73% | 5.24% | 0.49% |
| Q1 2026 | $504.6M | $639.7M | 60.45% | 4.90% | 0.53% |
| Q2 2026 | $544.6M | $658.3M | 58.41% | 4.91% | 0.49% |
Oconee State Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Oconee 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 Oconee State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 18143) · FFIEC NIC profile (RSSD 573036)