Vallant 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): 31.09 percentage points higher than in Q1 2026, at 264.70%. Vallant Bank ranks 35th of 122 Georgia banks on loan-to-deposit ratio, in the upper half at 86.30% (Q2 2026). At 86.30%, Vallant Bank's loan-to-deposit ratio is close to the 88.20% median for banks in the $1B-10B asset tier (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $2.99B |
| Net loans and leases | $2.95B |
| Loans held for sale | $11.1M |
| Loans to total assets | 74.91% |
| Loan-to-deposit ratio | 86.30% |
| Net loans to equity capital | 6.04% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 40.60% |
| Multifamily (5+ residential) | 3.10% |
| Commercial and industrial | 7.05% |
| Consumer | 0.87% |
| Credit cards | 0.02% |
| Farm | 12.63% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.53% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 264.70% |
| Construction concentration (Tier 1 capital + allowance) | 90.41% |
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 | 6.54% |
| Interest income on loans | $48.0M |
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 | $1.52B | $1.84B | 38.71% | 9.25% | 1.55% |
| Q4 2023 | $1.53B | $1.87B | 39.18% | 8.93% | 1.53% |
| Q1 2024 | $1.52B | $1.92B | 40.27% | 8.91% | 1.58% |
| Q2 2024 | $1.53B | $1.93B | 40.27% | 8.83% | 1.57% |
| Q3 2024 | $1.52B | $1.89B | 40.14% | 8.74% | 1.56% |
| Q4 2024 | $1.56B | $1.98B | 40.97% | 9.15% | 1.58% |
| Q1 2025 | $1.58B | $2.04B | 41.81% | 8.82% | 1.43% |
| Q2 2025 | $1.62B | $2.03B | 41.37% | 8.34% | 1.36% |
| Q3 2025 | $1.67B | $2.00B | 42.03% | 8.19% | 1.26% |
| Q4 2025 | $1.70B | $2.02B | 42.06% | 7.85% | 1.20% |
| Q1 2026 | $1.75B | $2.09B | 41.31% | 8.06% | 1.12% |
| Q2 2026 | $2.99B | $3.46B | 40.60% | 7.05% | 0.87% |
Vallant Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Vallant 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 Vallant Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14065) · FFIEC NIC profile (RSSD 366238)