Pineland 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) dropped 14.58 percentage points in Q2 2026, from 205.42% to 190.85%. It was the largest change from Q1 2026 among the key lines here. Pineland Bank ranks 60th of 122 Georgia banks on loan-to-deposit ratio, in the upper half at 79.55% (Q2 2026). At 79.55%, Pineland Bank's loan-to-deposit ratio is close to the 80.84% median for banks in the $100M-1B asset tier (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $423.7M |
| Net loans and leases | $416.4M |
| Loans held for sale | $0 |
| Loans to total assets | 70.97% |
| Loan-to-deposit ratio | 79.55% |
| Net loans to equity capital | 6.90% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 37.79% |
| Multifamily (5+ residential) | 0.34% |
| Commercial and industrial | 8.88% |
| Consumer | 2.05% |
| Credit cards | 0.15% |
| Farm | 13.08% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.16% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 190.85% |
| Construction concentration (Tier 1 capital + allowance) | 66.47% |
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 | 7.18% |
| Interest income on loans | $7.5M |
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 | $309.8M | $383.4M | 40.44% | 8.10% | 2.20% |
| Q4 2023 | $331.0M | $396.4M | 41.70% | 7.39% | 2.30% |
| Q1 2024 | $352.0M | $421.2M | 39.20% | 8.69% | 2.31% |
| Q2 2024 | $351.3M | $433.0M | 39.01% | 8.93% | 2.34% |
| Q3 2024 | $361.5M | $435.0M | 39.44% | 9.54% | 2.22% |
| Q4 2024 | $380.5M | $481.6M | 40.04% | 9.43% | 2.22% |
| Q1 2025 | $396.0M | $500.0M | 39.92% | 8.94% | 2.10% |
| Q2 2025 | $403.1M | $521.9M | 39.15% | 9.54% | 2.14% |
| Q3 2025 | $421.1M | $513.2M | 38.28% | 8.56% | 2.15% |
| Q4 2025 | $405.2M | $509.0M | 38.45% | 8.70% | 2.15% |
| Q1 2026 | $416.1M | $504.3M | 38.45% | 8.64% | 2.08% |
| Q2 2026 | $423.7M | $532.6M | 37.79% | 8.88% | 2.05% |
Pineland Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Pineland 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 Pineland Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15699) · FFIEC NIC profile (RSSD 6039)