Amerifirst 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): 4.79 percentage points lower than in Q1 2026, at 213.93%. Amerifirst Bank ranks 16th of 93 Alabama banks on loan-to-deposit ratio, in the upper half at 86.34% (Q2 2026). Amerifirst Bank reported 86.34% on loan-to-deposit ratio for Q2 2026, 5.50 points above the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $280.7M |
| Net loans and leases | $277.4M |
| Loans held for sale | $0 |
| Loans to total assets | 77.08% |
| Loan-to-deposit ratio | 86.34% |
| Net loans to equity capital | 8.02% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 30.95% |
| Multifamily (5+ residential) | 1.98% |
| Commercial and industrial | 11.62% |
| Consumer | 1.33% |
| Credit cards | 0.00% |
| Farm | 0.43% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 213.93% |
| Construction concentration (Tier 1 capital + allowance) | 143.34% |
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 | 6.69% |
| Interest income on loans | $4.7M |
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 | $237.1M | $278.2M | 31.21% | 14.42% | 1.69% |
| Q4 2023 | $244.0M | $283.7M | 30.58% | 14.28% | 1.69% |
| Q1 2024 | $244.6M | $284.5M | 31.32% | 13.18% | 1.67% |
| Q2 2024 | $244.2M | $281.3M | 32.53% | 13.66% | 1.66% |
| Q3 2024 | $243.6M | $306.5M | 31.99% | 13.16% | 1.76% |
| Q4 2024 | $263.3M | $299.3M | 33.99% | 13.04% | 1.60% |
| Q1 2025 | $261.7M | $321.1M | 30.60% | 13.75% | 2.24% |
| Q2 2025 | $260.5M | $308.6M | 33.21% | 12.09% | 1.54% |
| Q3 2025 | $265.3M | $317.7M | 32.84% | 10.29% | 1.59% |
| Q4 2025 | $276.3M | $319.6M | 31.57% | 13.12% | 1.37% |
| Q1 2026 | $279.2M | $323.1M | 31.40% | 11.55% | 1.31% |
| Q2 2026 | $280.7M | $325.1M | 30.95% | 11.62% | 1.33% |
Amerifirst Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Amerifirst 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 Amerifirst Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 2838) · FFIEC NIC profile (RSSD 139133)