Promiseone 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 16.83 percentage points in Q2 2026, from 267.79% to 284.62%. It was the largest change from Q1 2026 among the key lines here. Within Georgia, Promiseone Bank is 43rd of 122 on loan-to-deposit ratio, 84.54% as of Q2 2026, above the middle of the field. Promiseone Bank reported 84.54% on loan-to-deposit ratio for Q2 2026, 3.71 points above the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $619.0M |
| Net loans and leases | $613.0M |
| Loans held for sale | $0 |
| Loans to total assets | 76.22% |
| Loan-to-deposit ratio | 84.54% |
| Net loans to equity capital | 8.80% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 50.76% |
| Multifamily (5+ residential) | 2.50% |
| Commercial and industrial | 6.07% |
| Consumer | 0.00% |
| Credit cards | 0.00% |
| Farm | 0.42% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 284.62% |
| Construction concentration (Tier 1 capital + allowance) | 2.32% |
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 | — |
| Interest income on loans | $10.3M |
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 | $545.0M | $595.0M | 42.18% | 4.03% | 0.01% |
| Q4 2023 | $549.0M | $606.7M | 41.32% | 3.51% | 0.01% |
| Q1 2024 | $558.0M | $614.1M | 41.42% | 3.31% | 0.01% |
| Q2 2024 | $565.2M | $602.7M | 42.35% | 3.60% | 0.01% |
| Q3 2024 | $575.0M | $629.1M | 42.58% | 3.58% | 0.01% |
| Q4 2024 | $584.4M | $738.7M | 42.61% | 4.37% | 0.01% |
| Q1 2025 | $605.6M | $722.8M | 44.32% | 5.18% | 0.01% |
| Q2 2025 | $604.1M | $740.1M | 45.55% | 5.21% | 0.01% |
| Q3 2025 | $609.8M | $741.8M | 46.65% | 5.94% | 0.01% |
| Q4 2025 | $611.5M | $757.7M | 48.18% | 5.93% | 0.00% |
| Q1 2026 | $608.9M | $762.1M | 48.41% | 6.15% | 0.00% |
| Q2 2026 | $619.0M | $732.2M | 50.76% | 6.07% | 0.00% |
Promiseone Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Promiseone 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 Promiseone Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58657) · FFIEC NIC profile (RSSD 3832127)