City First Bank, N.A.: 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): 17.95 percentage points higher than in Q1 2026, at 435.74%. City First Bank, N.A. reported 96.16% on loan-to-deposit ratio for Q2 2026, 7.96 points above the 88.20% median for banks in the $1B-10B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $1.14B |
| Net loans and leases | $1.13B |
| Loans held for sale | $0 |
| Loans to total assets | 72.81% |
| Loan-to-deposit ratio | 96.16% |
| Net loans to equity capital | 5.98% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 16.69% |
| Multifamily (5+ residential) | 50.32% |
| Commercial and industrial | 23.37% |
| Consumer | 0.01% |
| 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) | 435.74% |
| Construction concentration (Tier 1 capital + allowance) | 44.09% |
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 | — |
| Interest income on loans | $14.4M |
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 | $842.3M | $752.4M | 14.67% | 8.04% | 0.00% |
| Q4 2023 | $887.8M | $760.1M | 14.62% | 7.47% | 0.00% |
| Q1 2024 | $934.0M | $774.0M | 14.67% | 6.85% | 0.00% |
| Q2 2024 | $946.8M | $765.6M | 15.83% | 6.32% | 0.00% |
| Q3 2024 | $975.3M | $749.1M | 17.49% | 7.30% | 0.00% |
| Q4 2024 | $1.01B | $818.6M | 17.14% | 7.74% | 0.00% |
| Q1 2025 | $1.00B | $848.7M | 17.37% | 7.76% | 0.01% |
| Q2 2025 | $986.9M | $870.1M | 16.93% | 9.15% | 0.00% |
| Q3 2025 | $1.02B | $919.4M | 16.49% | 13.88% | 0.00% |
| Q4 2025 | $1.03B | $987.8M | 16.73% | 15.47% | 0.00% |
| Q1 2026 | $1.07B | $1.14B | 16.57% | 19.84% | 0.00% |
| Q2 2026 | $1.14B | $1.18B | 16.69% | 23.37% | 0.01% |
City First Bank, N.A. loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock City First Bank, N.A., 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 City First Bank, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34352) · FFIEC NIC profile (RSSD 2697963)