Primesouth 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.
Loans held for sale climbed 129.4% in Q2 2026, from $1.5M to $3.5M. It was the largest change from Q1 2026 among the key lines here. On loan-to-deposit ratio, Primesouth Bank ranks 10th highest among the 122 banks headquartered in Georgia, at 99.40% (Q2 2026). The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. Primesouth Bank sits 11.20 points higher, at 99.40% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $1.32B |
| Net loans and leases | $1.30B |
| Loans held for sale | $3.5M |
| Loans to total assets | 82.37% |
| Loan-to-deposit ratio | 99.40% |
| Net loans to equity capital | 7.44% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 31.09% |
| Multifamily (5+ residential) | 3.01% |
| Commercial and industrial | 10.11% |
| Consumer | 1.36% |
| Credit cards | 0.00% |
| Farm | 3.45% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.88% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 193.16% |
| Construction concentration (Tier 1 capital + allowance) | 104.38% |
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 | 6.85% |
| Interest income on loans | $22.2M |
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 | $956.0M | $1.03B | 30.60% | 11.61% | 2.62% |
| Q4 2023 | $971.8M | $1.08B | 30.81% | 12.80% | 2.55% |
| Q1 2024 | $1.00B | $1.10B | 31.48% | 12.22% | 2.39% |
| Q2 2024 | $1.04B | $1.13B | 31.00% | 11.84% | 2.03% |
| Q3 2024 | $1.08B | $1.15B | 32.01% | 11.21% | 1.95% |
| Q4 2024 | $1.09B | $1.17B | 31.84% | 10.97% | 1.86% |
| Q1 2025 | $1.11B | $1.19B | 31.04% | 11.10% | 1.72% |
| Q2 2025 | $1.14B | $1.23B | 30.58% | 10.70% | 1.67% |
| Q3 2025 | $1.20B | $1.25B | 29.16% | 11.46% | 1.57% |
| Q4 2025 | $1.21B | $1.26B | 29.05% | 11.04% | 1.54% |
| Q1 2026 | $1.26B | $1.31B | 29.83% | 10.42% | 1.41% |
| Q2 2026 | $1.32B | $1.33B | 31.09% | 10.11% | 1.36% |
Primesouth Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Primesouth 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 Primesouth Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5694) · FFIEC NIC profile (RSSD 1011638)