Amory First Savings and Loan Bank, SSB: 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.
Loan-to-deposit ratio dropped 1.53 percentage points in Q2 2026, from 92.97% to 91.45%. It was the largest change from Q1 2026 among the key lines here. Among 57 Mississippi banks, Amory First Savings and Loan Bank, SSB sits 5th from the top on loan-to-deposit ratio, 91.45% as of Q2 2026. The median for banks in the < $100M asset tier is 67.62% on loan-to-deposit ratio. Amory First Savings and Loan Bank, SSB sits 23.82 points higher, at 91.45% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $62.3M |
| Net loans and leases | $61.6M |
| Loans held for sale | $0 |
| Loans to total assets | 79.09% |
| Loan-to-deposit ratio | 91.45% |
| Net loans to equity capital | 6.06% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 0.57% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 0.00% |
| Consumer | 0.62% |
| 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) | 34.82% |
| Construction concentration (Tier 1 capital + allowance) | 34.82% |
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 | 6.07% |
| Interest income on loans | $940K |
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 | $48.0M | $65.2M | 0.40% | 0.00% | 0.87% |
| Q4 2023 | $47.6M | $64.6M | 0.29% | 0.00% | 1.07% |
| Q1 2024 | $48.7M | $66.1M | 0.28% | 0.00% | 1.08% |
| Q2 2024 | $49.5M | $63.1M | 0.27% | 0.00% | 1.13% |
| Q3 2024 | $50.1M | $62.0M | 0.27% | 0.00% | 1.21% |
| Q4 2024 | $49.8M | $61.4M | 0.88% | 0.00% | 0.93% |
| Q1 2025 | $53.0M | $61.8M | 0.93% | 0.00% | 0.78% |
| Q2 2025 | $56.5M | $61.4M | 1.14% | 0.00% | 0.72% |
| Q3 2025 | $59.3M | $65.3M | 0.67% | 0.00% | 0.70% |
| Q4 2025 | $60.6M | $65.5M | 0.64% | 0.00% | 0.70% |
| Q1 2026 | $62.1M | $66.8M | 0.60% | 0.00% | 0.64% |
| Q2 2026 | $62.3M | $68.1M | 0.57% | 0.00% | 0.62% |
Amory First Savings and Loan Bank, SSB loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Amory First Savings and Loan Bank, SSB, 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 Amory First Savings and Loan Bank, SSB profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 28949) · FFIEC NIC profile (RSSD 715975)