South Georgia Banking Company: 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.
Loan-to-deposit ratio climbed 6.81 percentage points in Q2 2026, from 75.01% to 81.82%. It was the largest change from Q1 2026 among the key lines here. Within Georgia, South Georgia Banking Company is 53rd of 122 on loan-to-deposit ratio, 81.82% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio; South Georgia Banking Company reported 81.82% for Q2 2026, nearly level with it.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $398.9M |
| Net loans and leases | $394.5M |
| Loans held for sale | $0 |
| Loans to total assets | 69.98% |
| Loan-to-deposit ratio | 81.82% |
| Net loans to equity capital | 4.96% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 32.58% |
| Multifamily (5+ residential) | 2.67% |
| Commercial and industrial | 6.24% |
| Consumer | 4.30% |
| Credit cards | 0.00% |
| Farm | 19.04% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 3.54% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 157.12% |
| Construction concentration (Tier 1 capital + allowance) | 40.05% |
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 | 7.05% |
| Interest income on loans | $6.8M |
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 | $329.0M | $515.2M | 29.92% | 6.98% | 3.43% |
| Q4 2023 | $332.9M | $532.2M | 31.70% | 7.38% | 3.39% |
| Q1 2024 | $330.0M | $508.3M | 32.33% | 7.00% | 3.52% |
| Q2 2024 | $336.4M | $485.2M | 31.69% | 6.63% | 3.60% |
| Q3 2024 | $338.3M | $468.7M | 31.80% | 6.02% | 3.56% |
| Q4 2024 | $329.0M | $504.7M | 31.97% | 6.27% | 4.11% |
| Q1 2025 | $348.1M | $503.2M | 31.52% | 5.90% | 5.35% |
| Q2 2025 | $352.3M | $481.4M | 31.98% | 5.33% | 5.32% |
| Q3 2025 | $357.4M | $474.3M | 32.04% | 5.55% | 5.76% |
| Q4 2025 | $370.4M | $528.8M | 32.51% | 5.87% | 5.07% |
| Q1 2026 | $382.9M | $510.5M | 33.81% | 6.25% | 4.81% |
| Q2 2026 | $398.9M | $487.6M | 32.58% | 6.24% | 4.30% |
South Georgia Banking Company loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock South Georgia Banking Company, 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 Banking Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 20198) · FFIEC NIC profile (RSSD 767732)