Bank call report · Clayton, GA
Rabun County Bank Call Report
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Rabun County Bank filed its latest call report for the quarter ended June 30, 2026 on the FFIEC 051. Below are its 247 reported line items, schedule by schedule (448 items filed as zero are left out). The official PDF is on the FFIEC Central Data Repository.
| Call report form | FFIEC 051 |
|---|---|
| Latest quarter filed | Q2 2026 (June 30, 2026) |
| Federal Reserve RSSD ID | 514936 |
| FDIC certificate number | 22138 |
| Total assets | $361.5M |
Official Q2 2026 call report PDF (FFIEC) →
Rabun County Bank call report by schedule, Q2 2026
Dollar amounts are as filed, in the units the form uses. Each line item links to its definition; each schedule links to the full schedule reference for the FFIEC 051.
Schedule RC: Balance Sheet (22 items)
About Schedule RC · Rabun County Bank balance sheet trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Assets | RCON2170 | $361.5M |
| Total Liabilities, Limited-life Preferred Stock, and Equity Capital | RCON3300 | $361.5M |
| Total Liabilities and Minority Interest | RCON2948 | $324.1M |
| Total Deposits | RCON2200 | $321.3M |
| Loans and Leases, Net of Unearned Income - Totals | RCONB528 | $233.3M |
| Loans and Leases, Net of Unearned Income and Allowance | RCONB529 | $230.1M |
| Total Interest-bearing Deposits in Foreign and Domestic Offices | RCON6636 | $226.1M |
| Interest-bearing Balances | RCON0071 | $99.2M |
| Deposits: Noninterest-bearing | RCON6631 | $95.2M |
| Total Equity Capital | RCON3210 | $37.4M |
| Total Equity Capital Including Noncontrolling Minority Interests in Consolidated Subsidiaries | RCONG105 | $37.4M |
| Surplus | RCON3839 | $23.9M |
| Undivided Profits and Capital Reserves | RCON3632 | $13.0M |
| Available-for-sale debt securities (from Schedule RC-B, column D) | RCON1773 | $12.3M |
| Premises and Fixed Assets (Including Capitalized Leases) | RCON2145 | $8.2M |
| Other Assets | RCON2160 | $7.5M |
| Noninterest-bearing Balances and Currency and Coin | RCON0081 | $3.7M |
| Allowance for Loan and Lease Losses | RCON3123 | $3.3M |
| Other Liabilities, Total | RCON2930 | $2.8M |
| Common Stock | RCON3230 | $720K |
| Loans and Leases Held for Sale | RCON5369 | $604K |
| Accumulated Other Comprehensive Income | RCONB530 | -$152K |
Schedule RI: Income Statement (38 items)
About Schedule RI · Rabun County Bank income statement trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Interest Income | RIAD4107 | $9.8M |
| Interest and Fee Income on Loans, Total | RIAD4010 | $7.6M |
| Net Interest Income | RIAD4074 | $7.0M |
| Total Noninterest Expense | RIAD4093 | $4.3M |
| Income (Loss) Before Applicable Income Taxes and Discontinued Operations | RIAD4301 | $3.9M |
| Income (loss) before change in net unrealized holding gains (losses) on equity securities not held for trading, applicable income taxes, and discontinued operations operations (item 3 plus or minus items 4, 5.m, 6.a, 6.b, and 7.e) | RIADHT69 | $3.9M |
| Interest and Fee Income on All Other Loans Secured by Real Estate | RIAD4436 | $3.4M |
| Interest and Fee Income on Loans Secured by 1-4 Family Residential Properties | RIAD4435 | $3.2M |
| Income (Loss) Before Discontinued Operations | RIAD4300 | $3.0M |
| Net Income (Loss) | RIAD4340 | $3.0M |
| Net Income (Loss) Attributable to Bank and Noncontrolling Minority Interests | RIADG104 | $3.0M |
| Total Interest Expense | RIAD4073 | $2.8M |
| Salaries and Employee Benefits | RIAD4135 | $2.6M |
| Interest Income on Balances Due from Depository Institutions | RIAD4115 | $2.1M |
| Total Noninterest Income | RIAD4079 | $1.4M |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of 250000 or Less | RIADHK03 | $1.4M |
| Other Noninterest Expense | RIAD4092 | $1.3M |
| Applicable Income Taxes | RIAD4302 | $925K |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of More Than 250000 | RIADHK04 | $605K |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADB486 | $582K |
| Net Gains (Losses) on Other Real Estate Owned | RIAD5415 | $514K |
| Other Noninterest Income | RIADB497 | $450K |
| Savings Deposits (Including Mmdas) | RIAD0093 | $449K |
| Interest and Fee Income on Commercial and Industrial Loans | RIAD4012 | $413K |
| Expenses of Premises and Fixed Assets | RIAD4217 | $397K |
| Interest on Transaction Accounts (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) | RIAD4508 | $361K |
| Net Gains (Losses) on Sales of Loans | RIAD5416 | $228K |
| Service Charges on Deposit Accounts in Domestic Offices | RIAD4080 | $198K |
| Provisions for Credit Losses on Financial Assets | RIADJJ33 | $183K |
| Provision for Loan and Lease Losses | RIAD4230 | $175K |
| Interest and Dividend Income on Securities: U.S. Treasury Securities and U.S. Government Agency Obligations (Excluding Mortgage-backed Securities) | RIADB488 | $99K |
| Interest and Fee Income on All Other Loans in Domestic Offices | RIAD4058 | $54K |
| Interest and Dividend Income on Securities: Mortgage-backed Securities | RIADB489 | $47K |
| Estimated Income on Tax-exempt Loans and Leases to States and Political Subdivisions in the U.S. | RIAD4313 | $28K |
| Interest on Other Securities | RIAD4060 | $19K |
| Other Interest Income | RIAD4518 | $8K |
| Noninterest income: Income from insurance activities | RIADHT74 | $2K |
| Number of Full Time Equivalent Employees on Payroll at End of Current Period | RIAD4150 | 50 |
Schedule RC-B: Securities (22 items)
About Schedule RC-B · Rabun County Bank securities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Mortgage-backed Securities (MBS): Other Residential MBS (Include Cmos, REMICS, and Stripped MBS): Issued or Guaranteed by FNMA, FHLMC, or GNMA - Available-for-sale Amortized Cost | RCONG314 | $297K |
| Mortgage-backed Securities (MBS): Other Residential MBS (Include Cmos, REMICS, and Stripped MBS): Issued or Guaranteed by FNMA, FHLMC, or GNMA - Available-for-sale Fair Value | RCONG315 | $278K |
| Total Amortized Cost of Available-for-sale Securities | RCON1772 | $12.5M |
| Pledged Securities | RCON0416 | $9.2M |
| Amortized Cost of Available-for-sale U.S. Treasury Securities | RCON1286 | $6.0M |
| Fixed Rate and Floating Rate Debt Securities with a Remaining Maturity of One Year or Less | RCONA248 | $6.0M |
| Fair Value of Available-for-sale U.S. Treasury Securities | RCON1287 | $6.0M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONA550 | $5.0M |
| US government agency obligations (exclude mortgage-backed securities), Available for sale, Amortized Cost | RCONHT52 | $3.0M |
| US government agency obligations (exclude mortgage-backed securities), Available for sale, Fair Value | RCONHT53 | $3.0M |
| Mortgage backed securities (MBS), Issued or guarnteed by FNMA, FHLMC, or GNMA, Available for sale, Amortized Cost | RCONHT56 | $2.6M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Three Months of Less | RCONA549 | $2.6M |
| Mortgage backed securities (MBS), Issued or guarnteed by FNMA, FHLMC, or GNMA, Available for sale, Fair Value | RCONHT57 | $2.5M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONA551 | $2.0M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over 15 Years | RCONA560 | $1.4M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Five Years Through 15 Years | RCONA559 | $1.0M |
| Amortized Cost of Structured Notes | RCON8782 | $1.0M |
| Fair Value of Structured Notes | RCON8783 | $981K |
| Fair Value of Other Available-for-sale Domestic Debt Securities | RCON1741 | $557K |
| Amortized Cost of Other Available-for-sale Domestic Debt Securities | RCON1739 | $556K |
| OTHER MORTGAGE-BACKED SECURITIES (INCLUDE CMOs, REMICs, AND STRIPPED MBS) WITH AN EXPECTED AVERAGE LIFE OF OVER THREE YEARS | RCONA562 | $278K |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONA556 | $15K |
Schedule RC-C, Part I: Loans and Leases (35 items)
About Schedule RC-C, Part I · Rabun County Bank loans and leases trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Loans and Leases, Net of Unearned Income | RCON2122 | $233.9M |
| Pledged Loans and Leases | RCONG378 | $194.7M |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by First Liens | RCON5367 | $80.9M |
| Fixed Rate and Floating Rate Loans and Leases with a Remaining Maturity of One Year or Less | RCONA247 | $46.1M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over 15 Years | RCONA569 | $44.5M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over 15 Years | RCONA575 | $37.0M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Three Months or Less | RCONA570 | $33.2M |
| Loans Secured by Owner Occupied Nonfarm Nonresidential Properties | RCONF160 | $30.4M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Months Through 12 Months | RCONA571 | $29.0M |
| Loans Secured by Other Construction Loans and All Land Development and Other Land Loans | RCONF159 | $25.7M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Years Through Five Years | RCONA573 | $23.1M |
| Adjustable Rate Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties | RCON5370 | $21.4M |
| Loans Secured by Other Nonfarm Nonresidential Properties. | RCONF161 | $20.5M |
| Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit | RCON1797 | $18.5M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Months Through 12 Months | RCONA565 | $17.9M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over One Year Through Three Years | RCONA572 | $17.1M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Five Years Through 15 Years | RCONA574 | $14.7M |
| Loans Secured by 1-4 Family Residential Construction | RCONF158 | $14.3M |
| Real Estate Loans Secured by Multi-family (5 or More) Residential Properties | RCON1460 | $11.0M |
| Commercial and Industrial Loans | RCON1766 | $10.5M |
| Automobile Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper) | RCONK137 | $8.4M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Years Through Five Years | RCONA567 | $6.9M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Five Years Through 15 Years | RCONA568 | $6.4M |
| Real Estate Loans Secured by Farmland | RCON1420 | $6.1M |
| Other Consumer Loans to Individuals for Household, Family, and Other Personal Expenditures (Includes Single Payment, Installment, and All Student Loans) | RCONK207 | $4.3M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Three Months or Less | RCONA564 | $3.0M |
| Obligations (Other Than Securities and Leases) of States and Political Subdivisions in the U.S. | RCON2107 | $2.3M |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by Junior Liens | RCON5368 | $2.1M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over One Year Through Three Years | RCONA566 | $2.0M |
| Unearned Income on Loans | RCON2123 | $932K |
| Loan Modifications to Borrowers Experiencing Financial Difficulty and in Compliance with Modified Terms: Loans Secured by 1-4 Family Residential Properties in Domestic Offices | RCONF576 | $663K |
| Total Loan Modifications to Borrowers Experiencing Financial Difficulty That Are in Compliance with Their Modified Terms | RCONHK25 | $663K |
| Revolving, open-end lines of credit secured by 1-4 family residential properties that have converted to non-revolving closed-end status that are included in item 1.c(1) above | RCONLE75 | $275K |
| Other Loans | RCONJ464 | $48K |
| Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper): Other Revolving Credit Plans | RCONB539 | $13K |
Schedule RC-C, Part II: Loans to Small Businesses and Small Farms (18 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5569 | $19.7M |
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5567 | $6.6M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5571 | $5.5M |
| Amount Currently Outstanding of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $250,000 Through $500,000 | RCON5583 | $2.9M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5575 | $2.7M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5573 | $1.0M |
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5565 | $527K |
| Amount Currently Outstanding of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5581 | $373K |
| Amount Currently Outstanding of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5579 | $65K |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5570 | 204 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5568 | 60 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5566 | 53 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5564 | 13 |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5572 | 12 |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5574 | 8 |
| Number of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $250,000 Through $500,000 | RCON5582 | 7 |
| Number of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5580 | 3 |
| Number of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5578 | 2 |
Schedule RC-E: Deposit Liabilities (23 items)
About Schedule RC-E · Rabun County Bank deposit liabilities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Nontransaction Accounts (Including Mmda's) | RCON2385 | $171.3M |
| Total Nontransaction Accounts Deposits of Individuals, Partnerships, and Corporations | RCONB550 | $169.5M |
| Total Transaction Accounts | RCON2215 | $149.9M |
| Total Transaction Accounts - Deposits of Individuals, Partnerships, and Corporation | RCONB549 | $143.7M |
| Total Demand Deposits (See Note Below) | RCON2210 | $95.2M |
| Time Deposits of 250000 or Less with a Remaining Maturity of One Year or Less | RCONHK11 | $71.6M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONHK08 | $50.6M |
| Money Market Deposit Accounts (Mmda's) | RCON6810 | $45.0M |
| Components of Total Nontransaction Accounts: Total Time Deposits of $100,000 Through $250,000 | RCONJ473 | $44.8M |
| Total Time Deposits of Less Than $100,000 | RCON6648 | $34.5M |
| Components of Total Nontransaction Accounts: Total Time Deposits of More Than $250,000 | RCONJ474 | $32.5M |
| Time Deposits of More Than $250,000 with a Remaining Maturity of One or Year Less | RCONK222 | $30.0M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONHK13 | $22.5M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONHK07 | $21.0M |
| Other Nontransaction Savings Deposits (Excludes Mmda's) | RCON0352 | $14.5M |
| All Time and Savings Deposits Held in IRA and Keogh Plan Accounts | RCON6835 | $11.6M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONHK12 | $7.5M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONHK09 | $6.5M |
| Individual Retirement Accounts (Iras) and Keogh Plan Accounts Included in Memorandum Item 2.C, 'Total Time Deposits of $100,000 or More,' Above | RCONF233 | $6.4M |
| Total Transaction Accounts - Deposits of States and Political Subdivisions in the U.S. | RCON2203 | $6.2M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONHK14 | $2.5M |
| Total Nontransaction Accounts of States and Political Subdivisions in the U.S. | RCON2530 | $1.8M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over Three Years | RCONHK10 | $1.2M |
Schedule RC-F: Other Assets (6 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Life Insurance Assets: General Account Life Insurance Assets | RCONK201 | $5.8M |
| Accrued Interest Receivable | RCONB556 | $914K |
| Other Assets | RCON2168 | $431K |
| Prepaid Expenses | RCON2166 | $428K |
| Historical Cost of All Other Available-for-sale Equity Securities | RCON1752 | $285K |
| Net Deferred Tax Assets | RCON2148 | $100K |
Schedule RC-G: Other Liabilities (5 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Interest Accrued and Unpaid on Deposits (in Domestic Offices) | RCON3645 | $1.9M |
| Other Expenses Accrued and Unpaid | RCON3646 | $708K |
| All Other Liabilities | RCON2938 | $163K |
| First Itemized Amount That Exceeds 25% of All Other Liabilities (2938) or (2942) | RCON3552 | $125K |
| Allowance for Credit Losses on Off-balance Sheet Credit Exposures | RCONB557 | $72K |
Schedule RC-K: Quarterly Averages (14 items)
About Schedule RC-K · Rabun County Bank quarterly averages trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Quarterly Average of Total Assets | RCON3368 | $358.2M |
| Quarterly Average of Total Loans | RCON3360 | $226.9M |
| Quarterly Average of Interest-bearing Balances Due from Depository Institutions | RCON3381 | $104.1M |
| Quarterly Average of Loans Secured by 1-4 Family Residential Properties | RCON3465 | $100.6M |
| Quarterly Average of All Other Loans Secured by Real Estate | RCON3466 | $99.9M |
| Liabilities, Nontransaction Accounts, Time Deposits of 250000 or Less | RCONHK16 | $78.0M |
| Nontransaction Accounts in Domestic Offices: Savings Deposits | RCONB563 | $59.8M |
| Transaction Accounts (in Domestic Offices) (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) - Quarterly Average | RCON3485 | $52.9M |
| Liabilities, Nontransaction Accounts, Time Deposits of More Than 250000 | RCONHK17 | $32.4M |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Other | RCONB562 | $12.8M |
| Quarterly Average of Commercial and Industrial Loans | RCON3387 | $11.2M |
| U.S. Treasury Securities and U.S. Government Agency Obligations (Excluding Mortgage-backed Securities) | RCONB558 | $7.3M |
| Mortgage-backed Securities | RCONB559 | $3.0M |
| All Other Securities | RCONB560 | $556K |
Schedule RC-L: Derivatives and Off-Balance-Sheet Items (6 items)
About Schedule RC-L · Rabun County Bank derivatives and off-balance-sheet items trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Unused Commitments - Revolving, Open-end Lines Secured by 1-4 Family Residential Properties | RCON3814 | $17.6M |
| 1-4 Family Residential Construction Loan Commitments | RCONF164 | $13.8M |
| Commercial Real Estate, Other Construction Loan and Land Development Loan Commitments | RCONF165 | $7.9M |
| Other Unused Commitments: Commercial and Industrial Loans | RCONJ457 | $2.8M |
| Other Unused Commitments: All Other Unused Commitments | RCONJ459 | $2.5M |
| Financial Standby Letters of Credit and Foreign Office Guarantees | RCON3819 | $22K |
Schedule RC-M: Memoranda (2 items)
About Schedule RC-M · Rabun County Bank memoranda trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Aggregate Amount of All Extensions of Credit to All Executive Officers, Directors, Principal Shareholders, and Their Related Interests | RCON6164 | $3.1M |
| Number of Executive Officers, Directors, and Principal Shareholders to Whom the Amount of All Extensions of Credit by the Reporting Bank (Including Extensions of Credit to Related Interests) Equals or Exceeds the Lesser of $500,000 or 5 Percent of Total Capital as Defined for This Purpose in Agency Regulations | RCON6165 | 2 |
Schedule RC-N: Past Due and Nonaccrual Loans, Leases, and Other Assets (12 items)
About Schedule RC-N · Rabun County Bank past due and nonaccrual loans, leases, and other assets trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Loans and Lease Financing Receivables: Past Due 30-89 Days and Still Accruing | RCON1406 | $547K |
| Additions to Nonaccrual Assets | RCONC410 | $447K |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens-past Due 30 Thru 89 Days and Still Accruing | RCONC236 | $380K |
| Total Loans and Lease Finance Receivables: Nonaccrual | RCON1403 | $124K |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens-nonaccural | RCONC229 | $121K |
| Loans Secured by 1-4 Family Residential Properties: Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit - Past Due 30 Through 89 Days and Still Accruing | RCON5398 | $83K |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by Junior Liens-past Due 30 Thru 89 Days and Still Accruing | RCONC238 | $42K |
| Loan Modifications to Borrowers Experiencing Financial Difficulty Secured by 1-4 Residential Properties (in Domestic Offices) - Past Due 30 Through 89 Days and Still Accruing. | RCONF661 | $42K |
| Total Loan Modifications to Borrowers Experiencing Financial Difficulty Included in Schedule Rc-n Items 1 Through 7 Above and Not Reported in Schedule Rc-c, Part I, Memo Item 1, Past Due 30 Through 89 Days and Still Accruing | RCONHK26 | $42K |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Other - Past Due 30 Through 89 Days and Still Accruing | RCONK216 | $34K |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Automobile Loans - Past Due 30 Through 89 Days and Still Accruing | RCONK213 | $8K |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Automobile Loans - Nonaccrual | RCONK215 | $3K |
Schedule RC-O: Other Data for Deposit Insurance Assessments (12 items)
About Schedule RC-O · Rabun County Bank other data for deposit insurance assessments trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average Consolidated Total Assets for the Calendar Quarter | RCONK652 | $358.2M |
| Total Deposit Liabilities as Defined in Section 3(1) of the Federal Deposit Insurance Act Before Exclusions | RCONF236 | $323.1M |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of $250,000 or Less | RCONF049 | $208.7M |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF051 | $102.7M |
| Average Tangible Equity for the Calendar Quarter | RCONK654 | $37.8M |
| Amount of Retirement Deposits Accounts of $250,000 or Less | RCONF045 | $9.6M |
| Amount of Retirement Deposit Accounts of More Than $250,000 | RCONF047 | $2.1M |
| Number of Deposit Accounts (Excluding Retirement Accounts)of $250,000 or Less | RCONF050 | 12,712 |
| Number of Retirement Deposit Accounts of $250,000 or Less | RCONF046 | 393 |
| Number of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF052 | 200 |
| Number of Retirement Deposit Accounts of More Than $250,000 | RCONF048 | 7 |
| Averaging Method Used | RCONK653 | 1 |
Schedule RC-R, Part I: Regulatory Capital Components and Ratios (19 items)
About Schedule RC-R, Part I · Rabun County Bank regulatory capital components and ratios trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Assets | RCOA2170 | $361.5M |
| Average Total Assets (Net of Deductions) | RCOAA224 | $358.2M |
| Average total consolidated assets | RCOAKW03 | $358.2M |
| Common Equity Tier 1 Capital | RCOAP859 | $37.6M |
| Subtotal of Common Equity Tier 1 Capital: Adjustments and Deductions | RCOAP852 | $37.6M |
| Tier 1 Capital Allowable Under the Risk-based Capital Guidelines | RCOA8274 | $37.6M |
| Common Equity Tier 1 Capital Before Adjustments and Deductions | RCOAP840 | $37.4M |
| Total off-balance sheet exposures (sum of items 34.a through 34.c) Report as a dollar amount in Column A and as a percentage of total assets (25% limit) in Column B | RCOAKX82 | $26.9M |
| Off-balance sheet exposures: Unused portion of conditionally cancellable commitments | RCOAKX79 | $26.9M |
| Common Equity Tier 1 Capital: Common Stock Plus Related Surplus, Net of Treasury Stock and Unearned Employee Stock Ownership Plan (ESOP) Shares | RCOAP742 | $24.6M |
| Unconditionally Cancellable Commitments | RCOAS540 | $17.7M |
| Retained Earnings | RCOAKW00 | $13.0M |
| Accumulated Other Comprehensive Income | RCOAB530 | -$152K |
| Less: Net Unrealized Gains (Losses) on Available-for-sale Debt Securities (If a Gain, Report as a Positive Value, If a Loss, Report as a Negative Value) | RCOAP844 | -$152K |
| Off-balance sheet exposures: Other off-balance sheet exposures | RCOAKX81 | $22K |
| A. AOCI Opt-out Election (Enter '1' for Yes, Enter '0' for No.) | RCOAP838 | 1 |
| Do you qualify for and opt-in to CBLR? | RCOALE74 | 1 |
| Tier 1 Leverage Capital Ratio | RCOA7204 | 0.1049 |
| Total off-balance sheet exposures (sum of items 15a through 15.c) | RCOAKX83 | 0.0744 |
Schedule RI-A: Changes in Bank Equity Capital (5 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Equity Capital | RIAD3210 | $37.4M |
| Balance End of Previous Calendar Year as Restated | RIADB508 | $36.9M |
| Equity Capital, Most Recently Reported for the End of Previous Calendar Year (I.e., After Adjustments from Amended Reports of Income) | RIAD3217 | $36.9M |
| Cash Dividends Declared on Common Stock | RIAD4460 | $2.4M |
| Other Comprehensive Income | RIADB511 | -$6K |
Schedule RI-B, Part I: Charge-offs and Recoveries on Loans and Leases (5 items)
About Schedule RI-B, Part I · Rabun County Bank charge-offs and recoveries on loans and leases trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Recoveries on Allowance for Loan and Lease Losses | RIAD4605 | $8K |
| Recoveries on Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens | RIADC217 | $3K |
| Recoveries All Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADK206 | $2K |
| Recoveries on Closed-end Loans Secured by 1-4 Family Residential Properties:secured by Junior Liens | RIADC218 | $2K |
| Recoveries on Automobile Loans | RIADK133 | $1K |
Schedule RI-B, Part II: Changes in Allowances for Credit Losses (3 items)
About Schedule RI-B, Part II · Rabun County Bank changes in allowances for credit losses trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Allowance for Loan and Lease Losses | RIAD3123 | $3.3M |
| Balance Most Recently Reported for the December 31, 2000, Reports of Condition and Income(i.e., After Adjustments from Amended Report of Income) | RIADB522 | $3.1M |
| Provisions for credit losses on off-balance-sheet exposures | RIADMG93 | $8K |
Rabun County Bank call reports on file
Each link opens the bank's filed report on the FFIEC Central Data Repository.
- Q2 2026 call report (quarter ended June 30, 2026)
- Q1 2026 call report (quarter ended March 31, 2026)
- Q4 2025 call report (quarter ended December 31, 2025)
- Q3 2025 call report (quarter ended September 30, 2025)
- Q2 2025 call report (quarter ended June 30, 2025)
- Q1 2025 call report (quarter ended March 31, 2025)
Where can I find the Rabun County Bank call report?
The Rabun County Bank call report for the quarter ended June 30, 2026 is on this page, schedule by schedule. The official PDF is on the FFIEC Central Data Repository, linked here for every quarter on file. Call reports are public: anyone can read or download them without an account.
Which call report form does Rabun County Bank file?
Rabun County Bank files the FFIEC 051. The FFIEC 031 is for banks with foreign offices, the FFIEC 041 for banks with domestic offices only, and the FFIEC 051 is the streamlined form most domestic banks under $5 billion in total assets may file.
What is the Rabun County Bank call report number?
A call report has no number of its own. It is filed and looked up by the bank's identifiers: Rabun County Bank has Federal Reserve RSSD ID 514936 and FDIC certificate number 22138. Either one finds its filings on the FFIEC Central Data Repository.
How often does Rabun County Bank file a call report?
Every quarter, as of March 31, June 30, September 30 and December 31. The report is due 30 calendar days after the quarter ends, or 35 days for a bank with more than one foreign office.
Rabun County Bank financial reports and ratios →
New to call reports? What a call report is, every call report code explained, and how the UBPR turns it into ratios.
Regulator records: FDIC BankFind (cert 22138) · FFIEC NIC profile (RSSD 514936)