South Georgia 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) dropped 3.91 percentage points in Q2 2026, from 154.30% to 150.40%. It was the largest change from Q1 2026 among the key lines here. South Georgia Bank ranks 103rd of 122 Georgia banks on loan-to-deposit ratio, in the lower half at 56.85% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. South Georgia Bank sits 23.99 points lower, at 56.85% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $137.2M |
| Net loans and leases | $133.7M |
| Loans held for sale | $0 |
| Loans to total assets | 50.90% |
| Loan-to-deposit ratio | 56.85% |
| Net loans to equity capital | 5.60% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 31.96% |
| Multifamily (5+ residential) | 5.15% |
| Commercial and industrial | 14.16% |
| Consumer | 4.77% |
| Credit cards | 0.00% |
| Farm | 6.27% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 2.80% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 150.40% |
| Construction concentration (Tier 1 capital + allowance) | 41.30% |
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 | $2.6M |
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 | $120.4M | $190.7M | 40.42% | 8.92% | 4.96% |
| Q4 2023 | $121.5M | $200.0M | 40.29% | 9.35% | 4.79% |
| Q1 2024 | $120.4M | $197.8M | 38.41% | 11.12% | 4.92% |
| Q2 2024 | $117.7M | $194.2M | 36.83% | 14.89% | 4.90% |
| Q3 2024 | $121.4M | $195.3M | 35.41% | 15.60% | 4.77% |
| Q4 2024 | $119.4M | $204.7M | 35.66% | 15.34% | 4.71% |
| Q1 2025 | $120.1M | $213.8M | 33.81% | 15.01% | 4.62% |
| Q2 2025 | $130.2M | $223.8M | 30.76% | 14.09% | 4.55% |
| Q3 2025 | $137.4M | $224.7M | 31.22% | 12.96% | 4.98% |
| Q4 2025 | $141.1M | $228.1M | 31.28% | 13.61% | 4.79% |
| Q1 2026 | $137.1M | $235.0M | 31.54% | 14.55% | 4.94% |
| Q2 2026 | $137.2M | $241.3M | 31.96% | 14.16% | 4.77% |
South Georgia Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock South Georgia 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 Georgia Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 32532) · FFIEC NIC profile (RSSD 995571)