South Atlantic 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.
The standout move of Q2 2026 was in CRE concentration (Tier 1 capital + allowance): 12.61 percentage points higher than in Q1 2026, at 335.14%. South Atlantic Bank ranks 9th of 44 South Carolina banks on loan-to-deposit ratio, in the upper half at 91.95% (Q2 2026). South Atlantic Bank reported 91.95% on loan-to-deposit ratio for Q2 2026, 3.75 points above the 88.20% median for banks in the $1B-10B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $1.54B |
| Net loans and leases | $1.53B |
| Loans held for sale | $6.3M |
| Loans to total assets | 77.97% |
| Loan-to-deposit ratio | 91.95% |
| Net loans to equity capital | 8.94% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 38.33% |
| Multifamily (5+ residential) | 3.26% |
| Commercial and industrial | 5.29% |
| Consumer | 0.33% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 335.14% |
| Construction concentration (Tier 1 capital + allowance) | 135.44% |
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 | 5.93% |
| Interest income on loans | $22.4M |
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 | $1.13B | $1.31B | 38.73% | 5.61% | 0.62% |
| Q4 2023 | $1.18B | $1.30B | 37.88% | 5.45% | 0.58% |
| Q1 2024 | $1.20B | $1.35B | 37.93% | 5.89% | 0.56% |
| Q2 2024 | $1.22B | $1.42B | 37.51% | 5.80% | 0.54% |
| Q3 2024 | $1.28B | $1.48B | 37.53% | 5.41% | 0.49% |
| Q4 2024 | $1.34B | $1.47B | 38.25% | 5.15% | 0.54% |
| Q1 2025 | $1.38B | $1.57B | 37.64% | 5.30% | 0.51% |
| Q2 2025 | $1.43B | $1.62B | 39.18% | 5.62% | 0.48% |
| Q3 2025 | $1.43B | $1.59B | 36.87% | 5.48% | 0.47% |
| Q4 2025 | $1.47B | $1.56B | 36.39% | 5.65% | 0.44% |
| Q1 2026 | $1.48B | $1.60B | 37.78% | 5.41% | 0.33% |
| Q2 2026 | $1.54B | $1.68B | 38.33% | 5.29% | 0.33% |
South Atlantic Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock South Atlantic 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 South Atlantic Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58689) · FFIEC NIC profile (RSSD 3637247)