1st Federal Savings Bank of SC, Inc.: 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) climbed 6.58 percentage points in Q2 2026, from 49.50% to 56.08%. It was the largest change from Q1 2026 among the key lines here. Within South Carolina, 1st Federal Savings Bank of SC, Inc. is 15th of 44 on loan-to-deposit ratio, 86.80% as of Q2 2026, above the middle of the field. 1st Federal Savings Bank of SC, Inc. reported 86.80% on loan-to-deposit ratio for Q2 2026, 5.96 points above the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $116.6M |
| Net loans and leases | $115.7M |
| Loans held for sale | $0 |
| Loans to total assets | 76.94% |
| Loan-to-deposit ratio | 86.80% |
| Net loans to equity capital | 8.54% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 0.99% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 0.02% |
| Consumer | 1.20% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 56.08% |
| Construction concentration (Tier 1 capital + allowance) | 56.08% |
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 | 5.74% |
| Interest income on loans | $1.7M |
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 | $110.7M | $137.6M | 1.03% | 0.08% | 1.00% |
| Q4 2023 | $118.1M | $124.8M | 0.98% | 0.07% | 0.86% |
| Q1 2024 | $118.5M | $131.6M | 0.96% | 0.06% | 0.86% |
| Q2 2024 | $119.5M | $133.3M | 0.96% | 0.06% | 1.25% |
| Q3 2024 | $119.1M | $135.4M | 0.94% | 0.05% | 1.24% |
| Q4 2024 | $119.5M | $123.4M | 0.90% | 0.05% | 1.27% |
| Q1 2025 | $117.7M | $132.1M | 0.90% | 0.04% | 1.15% |
| Q2 2025 | $119.3M | $133.9M | 0.86% | 0.04% | 1.08% |
| Q3 2025 | $117.5M | $132.1M | 0.86% | 0.03% | 1.23% |
| Q4 2025 | $115.9M | $126.0M | 0.86% | 0.03% | 1.12% |
| Q1 2026 | $116.9M | $135.1M | 0.85% | 0.02% | 1.02% |
| Q2 2026 | $116.6M | $134.3M | 0.99% | 0.02% | 1.20% |
1st Federal Savings Bank of SC, Inc. loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock 1st Federal Savings Bank of SC, Inc., 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 1st Federal Savings Bank of SC, Inc. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 31410) · FFIEC NIC profile (RSSD 535575)