The Trust 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.
Construction concentration (tier 1 capital + allowance) climbed 5.45 percentage points in Q2 2026, from 49.70% to 55.15%. It was the largest change from Q1 2026 among the key lines here. The Trust Bank ranks 86th of 122 Georgia banks on loan-to-deposit ratio, in the lower half at 66.64% (Q2 2026). The median for banks in the < $100M asset tier is 67.62% on loan-to-deposit ratio; The Trust Bank reported 66.64% for Q2 2026, nearly level with it.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $26.2M |
| Net loans and leases | $25.9M |
| Loans held for sale | $0 |
| Loans to total assets | 55.81% |
| Loan-to-deposit ratio | 66.64% |
| Net loans to equity capital | 3.48% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 5.81% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 5.66% |
| Consumer | 11.42% |
| Credit cards | 0.00% |
| Farm | 5.23% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 63.45% |
| Construction concentration (Tier 1 capital + allowance) | 55.15% |
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 | 10.94% |
| Interest income on loans | $667K |
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 | $18.0M | $40.9M | 13.82% | 5.06% | 17.19% |
| Q4 2023 | $16.8M | $40.4M | 11.38% | 5.36% | 18.56% |
| Q1 2024 | $16.7M | $38.1M | 11.25% | 5.12% | 18.38% |
| Q2 2024 | $17.9M | $34.4M | 10.84% | 3.59% | 17.22% |
| Q3 2024 | $18.6M | $35.1M | 9.10% | 4.19% | 16.07% |
| Q4 2024 | $20.9M | $35.4M | 7.97% | 4.45% | 15.37% |
| Q1 2025 | $21.8M | $38.1M | 8.14% | 4.29% | 15.38% |
| Q2 2025 | $22.8M | $37.6M | 9.79% | 2.96% | 14.63% |
| Q3 2025 | $24.1M | $37.8M | 7.03% | 2.45% | 13.15% |
| Q4 2025 | $22.3M | $36.5M | 6.73% | 2.67% | 13.81% |
| Q1 2026 | $23.4M | $37.4M | 6.63% | 4.40% | 12.22% |
| Q2 2026 | $26.2M | $39.3M | 5.81% | 5.66% | 11.42% |
The Trust Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The Trust 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 The Trust Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 13832) · FFIEC NIC profile (RSSD 894834)