Climate First 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): 26.51 percentage points higher than in Q1 2026, at 262.71%. On loan-to-deposit ratio, Climate First Bank ranks 3rd highest among the 81 banks headquartered in Florida, at 108.36% (Q2 2026). Climate First Bank reported 108.36% on loan-to-deposit ratio for Q2 2026, 20.15 points above the 88.20% median for banks in the $1B-10B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $1.68B |
| Net loans and leases | $1.66B |
| Loans held for sale | $5.0M |
| Loans to total assets | 86.38% |
| Loan-to-deposit ratio | 108.36% |
| Net loans to equity capital | 9.31% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 30.26% |
| Multifamily (5+ residential) | 1.70% |
| Commercial and industrial | 26.87% |
| Consumer | 19.79% |
| Credit cards | 0.00% |
| Farm | 0.28% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 262.71% |
| Construction concentration (Tier 1 capital + allowance) | 70.68% |
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 | 7.70% |
| Interest income on loans | $30.7M |
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 | $395.5M | $384.5M | 44.25% | 18.26% | 13.36% |
| Q4 2023 | $466.2M | $479.8M | 41.52% | 21.18% | 13.77% |
| Q1 2024 | $507.7M | $554.2M | 40.99% | 22.31% | 14.69% |
| Q2 2024 | $609.0M | $620.9M | 37.53% | 23.24% | 13.43% |
| Q3 2024 | $702.3M | $781.9M | 36.18% | 25.35% | 13.03% |
| Q4 2024 | $769.3M | $785.8M | 35.33% | 25.80% | 13.60% |
| Q1 2025 | $873.3M | $870.9M | 33.19% | 25.53% | 13.81% |
| Q2 2025 | $1.02B | $1.01B | 30.94% | 27.31% | 14.60% |
| Q3 2025 | $1.18B | $1.20B | 29.28% | 28.25% | 16.89% |
| Q4 2025 | $1.41B | $1.36B | 29.01% | 25.20% | 20.59% |
| Q1 2026 | $1.53B | $1.52B | 28.66% | 25.45% | 21.58% |
| Q2 2026 | $1.68B | $1.55B | 30.26% | 26.87% | 19.79% |
Climate First Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Climate First 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 Climate First Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 59257) · FFIEC NIC profile (RSSD 5592340)