West Central 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.
The standout move of Q3 2026 was in CRE concentration (Tier 1 capital + allowance): 9.90 percentage points higher than in Q2 2026, at 57.16%. Within Georgia, West Central Georgia Bank is 90th of 122 on loan-to-deposit ratio, 64.71% as of Q3 2026, below the middle of the field. West Central Georgia Bank reported 64.71% on loan-to-deposit ratio for Q3 2026, 16.13 points below the 80.84% median for banks in the $100M-1B asset tier; the peer median is as of Q2 2026.
Loan totals
| Line item | Q3 2026 |
|---|---|
| Total loans and leases | $82.6M |
| Net loans and leases | $80.8M |
| Loans held for sale | $0 |
| Loans to total assets | 50.32% |
| Loan-to-deposit ratio | 64.71% |
| Net loans to equity capital | 2.39% |
Portfolio mix (share of total loans)
| Line item | Q3 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 24.07% |
| Multifamily (5+ residential) | 0.08% |
| Commercial and industrial | 6.11% |
| Consumer | 5.03% |
| Credit cards | 0.46% |
| Farm | 0.18% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q3 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 57.16% |
| Construction concentration (Tier 1 capital + allowance) | 17.87% |
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 | Q3 2026 |
|---|---|
| Yield on loans | — |
| Interest income on loans | $1.6M |
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 |
|---|---|---|---|---|---|
| Q4 2023 | $61.4M | $108.5M | 20.97% | 6.01% | 11.05% |
| Q1 2024 | $65.3M | $110.8M | 21.22% | 7.51% | 9.80% |
| Q2 2024 | $68.5M | $112.8M | 21.11% | 7.46% | 9.48% |
| Q3 2024 | $72.2M | $113.3M | 22.85% | 6.79% | 8.89% |
| Q4 2024 | $76.7M | $114.2M | 22.66% | 6.46% | 8.25% |
| Q1 2025 | $77.6M | $120.6M | 23.14% | 6.51% | 7.75% |
| Q2 2025 | $77.4M | $122.0M | 23.54% | 6.25% | 7.68% |
| Q3 2025 | $80.2M | $122.5M | 24.53% | 6.05% | 6.89% |
| Q4 2025 | $79.3M | $121.1M | 25.97% | 6.21% | 6.21% |
| Q1 2026 | $77.7M | $126.1M | 25.40% | 6.39% | 6.05% |
| Q2 2026 | $79.5M | $123.7M | 25.22% | 5.96% | 5.57% |
| Q3 2026 | $82.6M | $127.6M | 24.07% | 6.11% | 5.03% |
West Central Georgia Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock West Central 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 West Central Georgia Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 21526) · FFIEC NIC profile (RSSD 280138)