Rabun County 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 25.55 percentage points in Q2 2026, from 149.21% to 174.76%. It was the largest change from Q1 2026 among the key lines here. Within Georgia, Rabun County Bank is 73rd of 122 on loan-to-deposit ratio, 72.81% as of Q2 2026, below the middle of the field. Rabun County Bank reported 72.81% on loan-to-deposit ratio for Q2 2026, 8.03 points below the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $233.9M |
| Net loans and leases | $230.7M |
| Loans held for sale | $604K |
| Loans to total assets | 64.71% |
| Loan-to-deposit ratio | 72.81% |
| Net loans to equity capital | 6.16% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 21.64% |
| Multifamily (5+ residential) | 4.67% |
| Commercial and industrial | 4.49% |
| Consumer | 5.41% |
| Credit cards | 0.00% |
| Farm | 2.59% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.97% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 174.76% |
| Construction concentration (Tier 1 capital + allowance) | 97.78% |
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 | 6.93% |
| Interest income on loans | $3.9M |
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 | $166.3M | $246.2M | 16.09% | 3.67% | 7.61% |
| Q4 2023 | $172.8M | $254.1M | 17.86% | 4.20% | 7.14% |
| Q1 2024 | $182.2M | $266.2M | 17.45% | 4.03% | 7.00% |
| Q2 2024 | $184.9M | $268.9M | 17.33% | 4.14% | 7.24% |
| Q3 2024 | $196.4M | $317.8M | 18.41% | 4.01% | 7.33% |
| Q4 2024 | $193.3M | $295.7M | 18.66% | 3.83% | 7.04% |
| Q1 2025 | $200.0M | $297.5M | 19.46% | 4.77% | 6.56% |
| Q2 2025 | $209.0M | $303.2M | 20.40% | 4.76% | 6.26% |
| Q3 2025 | $213.7M | $310.4M | 20.94% | 4.65% | 6.18% |
| Q4 2025 | $215.1M | $326.9M | 20.86% | 4.79% | 6.27% |
| Q1 2026 | $218.9M | $323.7M | 20.76% | 5.20% | 5.97% |
| Q2 2026 | $233.9M | $321.3M | 21.64% | 4.49% | 5.41% |
Rabun County Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Rabun County 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 Rabun County Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 22138) · FFIEC NIC profile (RSSD 514936)