South Coast Bank & Trust: 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): 10.90 percentage points lower than in Q1 2026, at 180.08%. South Coast Bank & Trust ranks 58th of 122 Georgia banks on loan-to-deposit ratio, in the upper half at 80.66% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio; South Coast Bank & Trust reported 80.66% for Q2 2026, nearly level with it.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $193.1M |
| Net loans and leases | $190.0M |
| Loans held for sale | $0 |
| Loans to total assets | 71.58% |
| Loan-to-deposit ratio | 80.66% |
| Net loans to equity capital | 8.49% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 43.48% |
| Multifamily (5+ residential) | 1.90% |
| Commercial and industrial | 8.87% |
| Consumer | 0.65% |
| Credit cards | 0.00% |
| Farm | 0.03% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 180.08% |
| Construction concentration (Tier 1 capital + allowance) | 63.02% |
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 | 6.57% |
| Interest income on loans | $3.2M |
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 | $162.3M | $193.4M | 48.11% | 4.72% | 0.59% |
| Q4 2023 | $162.7M | $197.7M | 48.74% | 6.88% | 0.62% |
| Q1 2024 | $173.0M | $209.9M | 48.70% | 5.64% | 0.48% |
| Q2 2024 | $176.7M | $227.5M | 46.36% | 5.68% | 0.52% |
| Q3 2024 | $172.3M | $217.1M | 45.44% | 5.77% | 0.57% |
| Q4 2024 | $184.6M | $213.5M | 46.49% | 6.22% | 0.54% |
| Q1 2025 | $185.2M | $226.3M | 44.16% | 5.43% | 0.51% |
| Q2 2025 | $180.5M | $238.4M | 44.83% | 5.61% | 0.54% |
| Q3 2025 | $189.1M | $237.8M | 45.22% | 5.32% | 0.55% |
| Q4 2025 | $194.1M | $236.0M | 45.97% | 7.73% | 0.56% |
| Q1 2026 | $194.7M | $239.1M | 44.17% | 8.01% | 0.60% |
| Q2 2026 | $193.1M | $239.4M | 43.48% | 8.87% | 0.65% |
South Coast Bank & Trust loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock South Coast Bank & Trust, 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 Coast Bank & Trust profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16283) · FFIEC NIC profile (RSSD 706030)